The SF Bay Insurance Agency is a multi-line insurance agency, providing personalized insurance coverage for families and businesses. Serving clients in Newark, Fremont, Hayward, Milpitas, California. Our services include Auto, Home, Life, Business and Commercial Insurance.

Listed below are the Coverages and Package limits available.

 

 

Typical Wholesale Distribution Coverage Summary
Typical Property Coverages	Basic Package Limits	Enhanced Package Limits
Business Income	Actual loss sustained - 18 months	Actual loss sustained - 18 months
Seasonal Automatic Increase	Included	Included
Accounts Receivable	$5,000* on premises / $2,500 off premises	$15,000* on premises / $2,500 off premises
Arson Conviction Reward	$5,000	$5,000
Back-up of Sewers or Drains	$1,000*	$1,000*
Brands and Labels	Usually enhanced only	$25,000
Building Ordinance	N/A ($5,000 Increased Cost of Construction included)	Undamaged portion - included Demolition - $50,000* Increased Cost of Construction-$50,000*
Computer Coverage	$15,000*	$30,000*
Civil Authority	3 weeks, or when BI ends, whichever is longer	3 weeks, or when BI ends, whichever is longer
Crime Reward	$5,000	$5,000
Debris Removal	25% covered loss / $10,000 add'l above Prop/BPP limits	25% covered loss / $10,000 add'l above Prop/BPP limits
Extra Expense	Actual loss Sustained - 12 months	Actual loss Sustained - 12 months
Fire Department Service Charge	$2,000	$5,000
Fire Extinguisher Recharge	$5,000	$15,000
Increased Cost of Construction	$5,000*	$50,000*
Master Key	$1000 per occurrence	$5,000 per occurrence
Newly Acquired or Constructed Locations - Buildings	$500,000	$1,000,000
Newly Acquired or Constructed Locations - BPP	$100,000	$500,000
Outdoor Property	$500 per item / $2,500 max	$500 per item / $2,500 max
Outdoor Signs	$5,000*	$10,000*
PersonalEffects	$2,500	$2,500
Personal Property Off Premises	$5,000 in transit $15,000 at other locations $15,000 fairs and exhibitions	$15,000 in transit $50,000 at other locations $25,000 fairs and exhibitions
Pollutant Clean-Up	$10,000	$10,000
Premises Boundary	100 feet	1,000 feet
Preservation of Property	30 days	60 days
Product Recall Expense	$10,000	$100,000
Valuable Papers and Records	$5,000* on premises / $2,500 off premises	$15,000* on premises / $2,500 off premises
CrimeCoverages	Basic Package Limits	Enhanced Package Limits
Employee Dishonesty	$5,000*	$20,000*
Money and Securities - Inside/Outside	$10,000*	$20,000*
Forgery and Alteration	$2,500	$2,500
Money Orders & Counterfeit Paper Currency	$1,000	$1,000
	* Higher limits available

Liability Coverages	Limits
Premises/Operations and Products/Completed Operations	$500,000, $1M or $2M per Occurrence
Premises/Operation Aggregate:	2 x Liability and Medical Expense Occurrence Limit
Products/Completed Aggregate:	1 x Liability and Medical Expense Occurrence Limit
General Aggregate:	2 x Liability and Medical Expense Occurrence Limit
Personal Injury	Included
Advertising Injury	Included
Bail Bonds	$250
Tenants Liability	$100,000
Medical Expenses	$5,000 per person/$25,000 per occurrence
Reasonable Expense	$250/day
Employee Benefits Liability	$100,000* (Premier Only)
	*Higher limits available