. . . . your single point of contact for ALL your insurance needs

Provides coverage for accounts which are uncollectable because of an insured loss to your records. ERIE’s payment will include expenses to reconstruct records, interest on temporary loans and extra collection expenses.

Loss settlement is based on the replacement cost of an item at the time of the loss, less depreciation.

Provides coverage for your liability arising from personal injury, violation of the right of privacy, infringement of copyright, title or slogan occurring as a result of your advertising activities.

The maximum amount of insurance ERIE will pay for a series of losses in a given year.

This endorsement suspends and replaces the coinsurance clause if the insured carries a limit of insurance equal to or greater than the agreed value. The replacement requirement is an agreement to cover any loss in the same proportion as the limit bears to the stated agreed value. For example, if the agreed value of an item is $250,000 and the limit is $250,000, then a loss is covered at 100%.

An annual examination of your financial books and records as they relate to this insurance to determine proper premium for the exposures.

To help assure you of an adequate amount of insurance for your buildings, ERIE will make an automatic annual adjustment to your building amount to reflect change in construction costs.

Inland marine coverage that protects you from claims by your customers for damage to or destruction of customer property in the care, custody, or control from a peril insured against.

This coverage protects your building(s) and personal property or contents from loss caused by basic perils subject to certain exclusions. The basic perils include fire, lightning, explosion, windstorm or hail, smoke, aircraft and vehicles, riot or civil commotion, vandalism, sprinkler leakage, sinkhole collapse, and volcanic action.

A rating system that indicates the operating condition of insurance companies developed and published annually by the A.M. Best Company.

Protects you for liability assumed under "insured contracts" relating to your business whether they be oral or written, expressed or implied.

This coverage insures all property at a single amount. This eliminates having individual limits for each separate building or location.

Provides coverage for your liability arising from physical harm, sickness, disease or death sustained by others. It includes care and loss of services and death at any time resulting from bodily injury.

Provides coverage for claims arising from the operation of boilers and machinery. May cover loss suffered by the boilers and machinery or include damage done to other property and business interruption losses.

This endorsement will reimburse you for costs when damage occurs to your property and it must be stamped as salvage or voided, or when your labels must be removed from the property items due to damage.

This coverage protects your building(s) and personal property or contents from loss caused by the broad form perils subject to certain exclusions. The broad form perils include fire, lightning, explosion, windstorm or hail, smoke, aircraft and vehicles, riot or civil commotion, vandalism, sprinkler leakage, sinkhole collapse, and volcanic action, breakage of glass, falling objects, weight of snow, ice, or sleet, water damage, and collapse.

This coverage insures the value of a building which is in the process of being built. The structure, materials, equipment and supplies kept within 100 feet are all covered under this policy. This coverage will be written on a comprehensive perils basis. Coverage limits are determined by the estimated completed value of the insured building.

Provides coverage for:

1) the value of the undamaged part of the building caused by enforcement of any ordinance or law regulating the construction or repair of buildings that require the demolition of parts of the undamaged building; or regulates the construction or repair of the building, etc.

2) the increased cost of construction to repair, replace, or construct the building caused by enforcement of any ordinance or law regulating the construction, use or repair of buildings.

Building described on the declarations page and including coverage for anything permanently attached, building equipment and fixtures for the premises, glass, personal property you have for service and maintenance of the buildings (i.e., fire extinguishing equipment, floor coverings, flag poles and outdoor lights).

Provides coverage for your property, other than buildings, that pertains to your business or institution. If you do not own the building, coverage is included for your use, interest in, improvements you have made to the building, and glass in your care custody and control for which you are responsible. It also protects, within these limits, personal property of others which is in your care, custody or control.

Provides coverage for loss caused by check forgery or alteration of checks issued by you or to you.

Requires you to carry a specified percentage of the building and/or business personal property actual cash value. Failure to carry the required percentage can result in a penalty.

Protects business organizations against liability claims for bodily injury, property damage and personal and advertising injury arising out of your premises operations, products and completed operations, and independent contractors.

Protection from loss arising out of any accidental cause other than those perils or causes specifically excluded. This is in contrast to other policies which name the peril or perils insured against.

Provides coverage for the loss of income sustained due to the interruption of business, resulting directly from loss or damage to buildings, business personal property of dependent properties from an insured peril and of loss caused by damage to your suppliers, customers, or other specified sources of materials or income. An example of this would be loss of business to small stores in a shopping center if the major store is closed due to an insured peril.

Liability assumed under an "insured contract" or agreement over and above that liability which may be imposed by law.

Provides coverage for loss from acceptance of counterfeit money.

Pays up to 5% of the total coverage amounts for your buildings and business personal property, plus $5,000 for clean up after a loss.

This clause gives you one deductible to pay per occurrence, regardless of the number of buildings or contents that were damaged.

Provides coverage, without limit, for costs incurred by Erie Insurance for investigation and defense of claims against you.

Provides coverage for demolishing and removing undamaged portions of your building required by local building codes.

Decrease in the value of property over a period of time due to wear and tear and obsolescence. Insurance depreciation has little or no relationship to accounting depreciation.

This coverage provides protection against direct loss or damage to your real and personal property as a result of specified perils such as earthquake, flood, burglary, transit, etc. It does not replace a property policy, but merely extends the perils which are insured. This policy can be custom designed to fit your own unique exposures. High deductibles are usually written individually for each specified peril insured against.