Proposal #XXX

Insurance Proposal Template

Commercial Property Insurance

Business Property Coverage

Insurance Company:         [Insurance Carrier Name]

A.M. Best Rating:               [Carrier Rating]

Admitted/Non-Admitted:    [State Admitted or Non-Admitted]

Proposed Policy Term:       [Effective Date] to [Expiration Date]


  • $                 Buildings
  • $                 Business Personal Property
  • $                 Busines Income
  • $                 EDP Equipment
  • $                 Building Ordinance
  • $                 Equipment Breakdown
  • $                 Earthquake Sprinkler Leakage
  • $                 Mobile Equipment
  • [Insert additional coverages]


  • $                 Per Occurence for Direct Damage, Except
  • $                 Earthquake Sprinkler Leakage
  • $                 Mobile Equipment
  • [#] Hours     Business Income Waiting Period

Coverage Highlights:

  • Special Causes of Loss
  • Replacement Cost, except
  • Actual Cash Value for Mobile Equipment
  • Business Income based on Actual Loss Sustained basis
  • [Insert additional coverage extensions]

Coverage Limitations: Exclusions included, but not limited to

  • Earthquake
  • Flood
  • Terrorism (if coverage rejected)
  • Computer Virus and Computer Vandalism
  • Pollution
  • Mold, Fungi, Mildew, Microbe
  • Governmental Action
  • Employee Dishonesty
  • Delay and/or Loss of Market
  • Nuclear
  • Biological and chemical contamination
  • [Insert additional exclusions]


  • [If applicable, list any carrier conditions to bind coverage]
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