LIABILITY

PROPERTY

• Festival liability
• Liquor law liability (dram shop)
• Medical payments ($10,000 per person)
• Vineyard chemical drift pollution liability
• Liability extension endorsement
• Broadened definition of insured
• Broadened definition of mobile equipment
• Property damage to borrowed equipment
• Property damage to “customers’ goods”
• Medical personnel coverage
• Limited “product withdrawal” expense coverage
• Additional insured – managers or lessors of premises
• Additional insured – vendors (limited)
• Additional insured – by written contract, agreement or permit

• Accounts receivable
• Automatic increase at time of loss
• Business income and extra expense
• Crime
• Electronic data equipment
• Electronic data processing
• Employee theft
• Fine arts
• Discharge from sewer, drain or sump
• Library inventory
• Limited contamination
• Mobile agricultural equipment
• Ordinance or law
• Outdoor growing trellis, grapevines & grapes
• Personal effects & property of others
• Property off premises
• Property in transit
• Refrigerated goods spoilage
• Replacement cost on equipment
• System & Mechanical breakdown
• Transportation
• Trellis and vines
• Wine contamination & adulteration
• Wine leakage
• Wine market value/selling price clause