Advantage Program

Your company needs an advantage and now you have one. Our Advantage Program (Commercial Output Policy) combines the right agent with the right product to give your business the right protection.

The Advantage Program is available in Arkansas, Illinois, Indiana, Iowa, Kansas, Louisiana, Minnesota, Missouri, Nebraska, North Dakota, South Dakota and Wisconsin.

The Advantage Program offers Building Property* coverage for:

additions
permanent fixtures
machinery and equipment
maintenance equipment
building under construction
towers and antennas
outdoor fixtures
glass and signs.

The Advantage Program offers Business Personal Property* coverage for property within 1,000 feet of the covered premises including:

tenant improvements
computers
leased personal property
personal property of others
property being installed
mobile equipment operated beyond 1,000 feet of the covered premises.

Take a few minutes to compare our United Advantage program to a standard commercial property policy. You’ll see there is more than one advantage to buying the United Advantage.

COMPARISON OF COVERAGES*

Coverage	United Advantage	Industry standard
Accounts receivable	$50,000	None
Arson reward	$5,000	None
Brand and label expense	$50,000	By endorsement
Building glass	Included	By endorsement
Building under construction	Included	None
Computers and computerized equipment	Included	None
Consequential loss	$10,000	By endorsement
Debris removal increased limits	25 percent Plus $5,000	$10,000
Emergency removal	10 days/policy limit	None
Exhibition	$50,000	None
Extra expense	Three options	By endorsement
Fences	Included	By endorsement
Fine arts	$50,000	Personal property
Fire department service charge	$5,000	$1,000
Recharge fire protection equipment	$10,000	None
Foundation and underground pipe	10 percent or $250,000	By endorsement
Inventory and appraisal expense	$50,000	None
Installation agreement (Within 1,000 ft of covered locations)	Included	None
Mobile equipment	Included	None
Newly acquired building	$500,000	$250,000
Personal property	$250,000	$100,000
Ordinance or law	$50,000	By endorsement
Outdoor property	Included	By endorsement
Personal effects	$10,000	$2,500
Property of others	Included	$2,500
Pollutant clean up and removal	$25,000	$10,000
Premises boundary	1,000 feet	100 feet
Property in transit	$50,000	None
Sales samples	$50,000	None
Selling price valuations	Included	By endorsements
Signs, attached	Included	$1,000
Theft damage to building	Included	None
Trees, shrubs, plants (Specified cause of loss)	$50,000	1,000 or $250 each
Valuable papers and records	$50,000	$2,500

OPTIONAL COVERAGES

Earthquake
Agreed amount endorsements
Ordinary payroll limitation
Manufactured stock valuation
Utility interruption
Property damage
Water below the surface
Income coverage
Off premises computer
Increased restoration period ordinance or law
Expanded restoration period, extra expense
Income coverage from dependent locations
Income coverage from dependent locations, separate limits
Period of loss extension
Equipment breakdown (boiler and machinery)

For specific information about available coverages, contact a United Fire Group agent in your area.

Please note that if there are any discrepancies between these highlights and the actual policy, the provisions of the policy shall prevail. Not all products and services are available in all locations.