Commercial Property Loss Form Comparison

Building Owners » Commercial Property

Causes of Loss Form Comparison

The following chart summarizes the perils, additional coverages and coverage extensions provided by the Basic, Broad and Special Causes of Loss Forms on a Commercial Property Policy.

Coverage for Earthquake, Flood, Terrorism, War, Mold and Intentional Loss are usually excluded on all Commercial Property Policies.

Peril	Basic	Broad	Special
			Open Peril*
Fire	•	•	•
Lighting	•	•	•
Explosion	•	•	•
Windstorm or Hail	•	•	•
Smoke	•	•	•
Aircraft or Vehicles	•	•	•
Riot or Civil Commotion	•	•	•
Vandalism	•	•	•
Sprinkler Collapse	•	•	•
Sinkhole Collapse	•	•	•
Volcanic Action	•	•	•
Falling Objects		•	•
Weight of Snow, Ice, Sleet		•	•
Water Damage		•	•
Collapse**		•	•
Property in Transit***			•
Water, Liquids, Powder, Molten Material***			•
Glass***			•
* Risks of Loss Not Otherwise Excluded Are Covered Additional Coverages * Coverage Extension