1. California Amendatory endorsements
1.1. Under 60 days insurer can cancel for any reason
1.2. .
1.3. Over Under 60 days insurer can not cancel without stated cause
1.4. .
1.5. Non renewal insurer 60 before expiration date
2. .
2.1. Plus any two or More
2.1.1. Coverage Parts
2.1.1.1. .
2.1.1.1.1. Commercial Property Coverage
2.1.1.1.2. .
2.1.1.1.3. General Liability CGL
2.1.1.1.4. .
2.1.1.1.5. Commercial Crime
2.1.1.1.6. .
2.1.1.1.7. Commercial Automobile
2.1.1.1.8. .
2.1.1.1.9. Commercial inland Marine
2.1.1.1.10. .
2.1.1.1.11. Boiler and Machinery
2.1.1.1.12. .
2.1.1.1.13. Farmer Coverages
2.1.1.1.14. .
2.2. .
2.3. Common Policy Conditions Page legal obligations and duties of the insured and insurer
2.3.1. Common Policy Declaration Page
2.3.1.1. a. The insured and the insurer. b. The inception and expiration date. c. A description of the business. d. The premium charge for the coverage parts included in the policy.
3. Separate from the CPP
3.1. BOP Business owner policy
3.1.1. For Small Business; for less than 25,000 sqft and or $3 million in annual gross sales at each location.
3.1.1.1. Liability
3.1.1.2. .
3.1.1.3. Property
3.1.1.3.1. Coverage A
3.1.1.3.2. .
3.1.1.3.3. Coverage B
3.1.1.3.4. Open Peril
3.2. .
3.3. Professional liability
3.3.1. Errors and omissions
3.3.1.1. Claims-Made almost always
3.3.1.2. .
3.3.1.3. Malpractice
3.3.2. .
3.3.3. Directors and officers liability
3.3.3.1. 3 common Insuring Agreement
3.3.3.1.1. Agreement 1 ; Insuring Agreement A [Defense costs]
3.3.3.1.2. .
3.3.3.1.3. Agreement 2 ; Insuring Agreement B [indemnifies its directors and officers]
3.3.3.1.4. .
3.3.3.1.5. Agreement 3 ; Insuring Agreement C [protect the cororaton]