| D.A.R.B. Insurance Services, Inc. |
| 805.527.0645 |
| 805.527.0961 |
| Affordable Friendly Service for a Lifetime of Knowledgeable Protection! |
Boiler and Machinery Insurance
Even if you do not own a boiler, you may need this coverage. The term "boiler and
breakdown" or "mechanical breakdown" coverage. This insurance provides coverage
against the sudden and accidental breakdown of boilers, machinery or equipment,
including computer systems and telephones/communication systems. Coverage usually
includes reimbursement for property damage, expediting expenses (e.g., express
transportation charges), and business interruption losses..
Building Ordinance Coverage
Provides coverage when a community has a building ordinance stating that when a building
is damaged to a specified extent (usually 50 percent), it must be completely demolished
and rebuilt in accordance with current building codes rather than repaired. Special
attention is required when establishing the amount of insurance.
Business Interruption Insurance
Covers the loss of earnings as a result of damage or loss of business property.
Reimbursement for salaries, taxes, rents, and other expenses plus net profits that would
have been earned during the period of interruption can be included.
Commercial Crime Coverages
Covers money and securities, stock and fixtures against theft, burglary and robbery both
on and off the insured premises and from both employees and outsiders.
Debris Removal Coverage
Covers the cost of removing debris after damage from fire or other covered peril that
requires debris removal before reconstruction of the damaged building can begin. Whether
the peril is considered covered depends on if your policy is broad form or special form.
Fidelity Bonds/Employment Dishonesty Bonds
Covers business owners for losses due to dishonest acts by their employees.
Glass Coverage
Provides coverage for glass breakage such as store windows and/or plate glass on office
fronts.
Inland Marine Insurance
Primarily covers property in transit such as from warehouse to warehouse or warehouse to
retail store, as well as other people's property left on your business premises, such as
clothes left at a dry cleaning business or an employee's personal effects left in the company
locker room. Most filmed entertainment coverage falls under this category as well.
Insurance for Loss of Lease Income or Value
Covers the loss of income when rental property is damaged or destroyed and/or the loss
of value when the owner of the rental property also used some of its space for business. If
the tenant of the destroyed or damaged building is forced to rent space elsewhere at a
higher cost, this is referred to as loss of lease value.
Even if you do not own a boiler, you may need this coverage. The term "boiler and
breakdown" or "mechanical breakdown" coverage. This insurance provides coverage
against the sudden and accidental breakdown of boilers, machinery or equipment,
including computer systems and telephones/communication systems. Coverage usually
includes reimbursement for property damage, expediting expenses (e.g., express
transportation charges), and business interruption losses..
Building Ordinance Coverage
Provides coverage when a community has a building ordinance stating that when a building
is damaged to a specified extent (usually 50 percent), it must be completely demolished
and rebuilt in accordance with current building codes rather than repaired. Special
attention is required when establishing the amount of insurance.
Business Interruption Insurance
Covers the loss of earnings as a result of damage or loss of business property.
Reimbursement for salaries, taxes, rents, and other expenses plus net profits that would
have been earned during the period of interruption can be included.
Commercial Crime Coverages
Covers money and securities, stock and fixtures against theft, burglary and robbery both
on and off the insured premises and from both employees and outsiders.
Debris Removal Coverage
Covers the cost of removing debris after damage from fire or other covered peril that
requires debris removal before reconstruction of the damaged building can begin. Whether
the peril is considered covered depends on if your policy is broad form or special form.
Fidelity Bonds/Employment Dishonesty Bonds
Covers business owners for losses due to dishonest acts by their employees.
Glass Coverage
Provides coverage for glass breakage such as store windows and/or plate glass on office
fronts.
Inland Marine Insurance
Primarily covers property in transit such as from warehouse to warehouse or warehouse to
retail store, as well as other people's property left on your business premises, such as
clothes left at a dry cleaning business or an employee's personal effects left in the company
locker room. Most filmed entertainment coverage falls under this category as well.
Insurance for Loss of Lease Income or Value
Covers the loss of income when rental property is damaged or destroyed and/or the loss
of value when the owner of the rental property also used some of its space for business. If
the tenant of the destroyed or damaged building is forced to rent space elsewhere at a
higher cost, this is referred to as loss of lease value.
Pollutant Clean-up and Removal Coverage
This coverage pays for expenses associated with the extraction of pollutants from land and
water if the release and/or discharge of the pollutants resulted from a covered cause of
type of coverage is $10,000. for any and all such expenses during a 12 month policy
period. Additionally, the expenses must be reported to the insurer within a 180 days of the
loss.
Motor Truck Cargo Policy
This form of inland marine coverage covers cargo while it is being transported in a truck. It
protects the carrier instead of the shipper for liability of loss to domestic shipments in
transit.
Electronic Data Processing Equipment
This insurance provides open peril coverage for computer hardware, software, and data
that is owned by the insured or is in the care, custody or control of the insured. Optional
breakdown coverage insures against damage to the equipment caused by mechanical
breakdown or electrical disturbances.
Accounts Receivable Coverage Form
This policy form reimburses the insured for monies that cannot be collected from
customers due to damage to the company's accounts receivables records. It can also
cover extra collection expenses and loan interest if the insured needs to take a loan to stay
in business while collections are impaired.
This coverage pays for expenses associated with the extraction of pollutants from land and
water if the release and/or discharge of the pollutants resulted from a covered cause of
type of coverage is $10,000. for any and all such expenses during a 12 month policy
period. Additionally, the expenses must be reported to the insurer within a 180 days of the
loss.
Motor Truck Cargo Policy
This form of inland marine coverage covers cargo while it is being transported in a truck. It
protects the carrier instead of the shipper for liability of loss to domestic shipments in
transit.
Electronic Data Processing Equipment
This insurance provides open peril coverage for computer hardware, software, and data
that is owned by the insured or is in the care, custody or control of the insured. Optional
breakdown coverage insures against damage to the equipment caused by mechanical
breakdown or electrical disturbances.
Accounts Receivable Coverage Form
This policy form reimburses the insured for monies that cannot be collected from
customers due to damage to the company's accounts receivables records. It can also
cover extra collection expenses and loan interest if the insured needs to take a loan to stay
in business while collections are impaired.
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