Human and social service organizations’ property will be covered under Great American Specialty Human Services standard package policy, to ensure your organization will remain operational after a loss.

Your organizations may have endless items of valuable property that may not be specifically covered in a package policy. Because of this, Great American’s Signature Property Broadening Endorsement is an affordable option that can help you protect them.

This endorsement provides a basket limit of insurance in addition to a schedule of additional coverages with specified limits.

Coverage highlights include:

Limits applied per location—a significant benefit! The Signature endorsement provides industry leading coverage on a per-location basis. Each scheduled location experiences the full benefit of having its own set of limits. This is an advantage over coverages that use a per-occurrence basis, which could leave an organization short on coverage or limits for losses that adversely affect multiple locations.

Broadened Limits: When an organization chooses to purchase the endorsement for a specific type of coverage, the Signature’s limits of insurance feature will apply in excess of the separately purchased insurance, providing a distinct advantage. This means your insured can receive the combined limit of what was specifically purchased plus the limit provided in the blanket limit of insurance.

The following is a summary of coverage and limits of insurance provided by this endorsement, and apply separately to each location described in the declarations.

Blanket Limit of Insurance:

  • $250,000 Each Occurrence
  • $250,000 Aggregate Loss Limit

Coverages in the Blanket Limit of Insurance include:

  • Accounts Receivable
  • Business Income and Extra Expense
  • Business Electronic Systems and Telecommunications
  • Fine Arts
  • Fire Department Service Charge
  • Property of Others, including Building Glass (if required in a lease)
  • Valuable Papers and Records

Other coverage options available include the following:

  • Agreed value
  • Replacement cost
  • Functional replacement cost
  • Food spoilage
  • Building ordinance or lawBusiness income