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                            Dentist's Property Coverage

                            Protect your building and personal property with Cincinnati's property coverage.

                            Choose a heading below for more information.

                            • Subject to Special Causes of Loss*
                            • Includes buildings and structures, plus fixtures (including outdoor fixtures); permanently installed machinery and equipment; permanently attached signs, awnings and canopies; building glass and foundations.
                            • Provides valuation options to insure at replacement cost or actual cash value
                            • Automatically increases the building limit of insurance 2 percent per year**
                            • Covers damage due to water backup of sewers, drains, septic systems or sump pumps up to $25,000 (except Florida).
                            • Responds to closures from the enforcement of ordinances or laws regulating the demolition or restoration of a damaged building (up to $25,000).**
                            * Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
                            ** Coverage may be increased for an additional charge.
                            • Subject to Special Causes of Loss*
                            • Includes owned property; personal property of others in your care, custody or control; tenants improvements and betterments plus sales samples.
                            • Includes leased personal property when contractually responsible to insure.
                            • Provides valuation options to insure at replacement cost or actual cash value.
                            • Covers damage due to change in temperature or humidity.
                            • Earthquake and flood (except Florida).
                            • Property off premises is covered up to $25,000** each while at
                              • - temporary locations
                              • - exhibitions, conferences and fairs
                              • - in transit or in or on a vehicle, including loading or unloading
                            * Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
                            ** Coverage may be increased for an additional charge.
                            • Accounts receivable - Special Causes of Loss* including flood and earthquake (up to $100,000)**
                            • Electronic data processing property - Covers hardware, software, manuals, duplicate data and peripheral equipment (up to $25,000).** Includes mechanical breakdown and electrical disturbances within 1,000 feet ($1,000 deductible). Covers EDP equipment in transit or off premises.
                            • Employee dishonesty - $25,000.**
                            • Money and securities - Pays for loss of money and securities on premises (up to $15,000)** and off premises (up to $5,000).**
                            • Newly acquired/constructed property - Buildings and business personal property are covered for 90 days (up to $1,000,000 and $500,000 respectively)
                            • Outdoor signs (on premises) - $10,000.**
                            • X-rays and valuable papers and records - Special Causes of Loss,* including flood and earthquake (up to $100,000).**
                            * Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
                            ** Coverage may be increased for an additional charge.
                            • Subject to Special Causes of Loss*
                            • Pays valued daily loss of income up to $500 per day (up to 30 days)**
                            • Pays excess over the valued daily loss for actual loss sustained that is documented (up to 12 consecutive months)
                            • Replaces lost rental income based on actual loss sustained (up to 12 consecutive months).
                            • Pays extra expenses necessary to continue operations, based on actual loss sustained (up to 12 consecutive months).
                            • Extended business income based on actual loss sustained (up to 12 consecutive months).
                            * Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
                            ** Coverage may be increased for an additional charge.
                            • CinciPlus? CinciPak TM Medical/Dental Office Property XC+? Endorsement - Provides a $150,000 blanket limit above the base limits for accounts receivable; data processing equipment; electronic data processing; property and media; debris removal; valuable papers and records;* water back-up of sewer, drains, septic systems or sump pumps.
                            • Equipment Breakdown Coverage (including production equipment) - Includes medical equipment. Machinery and equipment coverage can be added to protect you from costly repairs and business interruptions due to a covered cause of loss to covered equipment.
                            * Available in most states.

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