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Commercial Property & Liability
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Protect Your Life's Work
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Let us help you prepare for anything life can throw at you by securing the future of your company. GilsbarPRO offers a broad range of property and liability coverage that will fit your needs.
Business Income and Extra Expense, Dependent Property
Coverage is included at a $10,000 limit with the option of increasing limits to $1,000,000 if needed. Many competitors offer lower limits or do not offer this coverage in their base product.
Business Income and Extra Expense
Coverage is automatically included on a 12-month Actual Loss Sustained basis, with options to increase up to 24 months which many competitors do not offer. Additionally, many competitors have a specific waiting period and payroll limitation which CNA connect does not have.
Business Income Loss as a Result of Equipment Breakdown
We cover this on an Actual Loss Sustained basis. Many competitors do not include this level of coverage and have a waiting period which CNA's Commercial & Liability policy does not have.
Business Income/Extra Expense as Result of a Computer (electronic data processing including website) Loss
We cover this on an Actual Loss Sustained basis with a 12-hour deductible. Many other business owners policies have a short time limit or small maximum dollar limit included.
Business Personal Property
The Business Personal Property (BPP) limit at the described premises also applies to BPP in transit and off premises (up to 60 consecutive days at a temporary location). Many competitors include a small sublimit for BPP in transit or fewer days for BPP at temporary locations.
CNA connect waives coinsurance. Not every business owners policy does this; many carriers charge a coinsurance penalty on building or business personal property that is not insured to value.
Computers Off Premises, including Laptops and PDAs
We include worldwide coverage at a $25,000 limit. Many competitors do not include worldwide coverage and provide minimal limits of $1,000 to $5,000.
Computers, Software and Data (electronic data processing)
We include coverage at $50,000 for on location electronic data processing (EDP). This is in addition to the Business Personal Property limit.
Coverage is included at a $25,000 limit with options up to $1,000,000 available. Many competitors do not include any Employee Dishonesty coverage in their base form, while others include a minimal amount of $10,000 with maximum options up to $250,000
This is included as a cause of loss with an option to exclude if desired.
Extended Business Income
Coverage begins on the date the property is actually repaired, rebuilt or replaced and operations are resumed. The coverage is provided so the insured can restore their operations, with reasonable speed, to the level which would generate the Business Income amount that would have existed if no direct physical loss or damage occurred. Coverage is automatically included at 60 days, with options to select up to 365 days, which is a benefit that most competitors do not provide.
Coverage is included at $25,000 based on market value. Many competitors only include limits of $5,000 or $10,000 and do not value Fine Arts with market value.
Forgery and Alteration
Coverage is included at $25,000 limit with options up to $1,000,000 available. Many competitors include smaller limits with no options to increase.
Identity Theft/Recovery for Business Owners
Coverage is included at $25,000. Many competitors do not have this coverage available or provide a lower limit
CNA Connect includes an inflation guard of 3% for Building and Business Personal Property coverage with additional percentage options available.
Money and Securities
Coverage is included within the definition of Business Personal Property and up to the BPP limit. Many competitors do not include money and securities in the definition of BPP and only provide minimal limits.
Targeted Hacker Attack
Coverage is provided when employees or customers hack into the insured's computer systems and cause damage. Coverage is included at a limit of $25,000 Direct Damage and $25,000 Business Income.
These property extensions provide an assortment of coverage relevant to the insured's specific class or industry.
Coverage is available for seven different categories of Business Personal Property that is off premises at another location more than 60 consecutive days or while rented or leased to others.
Enhanced Replacement Cost for Building
25% Enhanced Replacement Cost is available for building owners at a nominal charge.
Blanket Building or Blanket Business Personal Property
Blanket options are available at no additional premium charge.
EcoCare Property Upgrade Extension Endorsement
Provides for green building upgrades as a result of a covered loss to the building of contents. Upgrades could encompass green structures, materials or processes incorporating energy, water, and materials or processing incorporating energy, water, and material efficiencies and environmental quality.
States this Product is available in
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