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Dentist's Property Coverage.

Protect your building and personal property with Cincinnati's property coverage.

Choose a heading below for more information.

  • Subject to Special Causes of Loss,1
  • Includes buildings and structures, plus fixtures (including outdoor fixtures); permanently installed machinery and equipment; permanently attached signs, awnings and canopies; building glass and foundations.
  • Provides valuation options to insure at replacement cost or actual cash value,
  • Automatically increases the building limit of insurance 2% per year.2
  • Covers damage due to water backup of sewers, drains, septic systems or sump pumps up to $25,000 (except Florida).
  • Responds to closures from the enforcement of ordinances or laws regulating the demolition or restoration of a damaged building (up to $25,000).2

1Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
2Coverage may be increased for an additional charge.

  • Subject to Special Causes of Loss.1
  • Includes owned property; personal property of others in your care, custody or control; tenants improvements and betterments plus sales samples.
  • Includes leased personal property when contractually responsible to insure.
  • Provides valuation options to insure at replacement cost or actual cash value.
  • Covers damage due to change in temperature or humidity.
  • Earthquake and flood (except Florida).
  • Property off premises is covered up to $25,0002 each while at:
    • temporary locations.
    • exhibitions, conferences and fairs.
    • in transit or in or on a vehicle, including loading or unloading.

1Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
2Coverage may be increased for an additional charge.

  • Accounts receivable - Special Causes of Loss1 including flood and earthquake (up to $100,000).2
  • Electronic data processing property - Covers hardware, software, manuals, duplicate data and peripheral equipment (up to $25,000).2 Includes mechanical breakdown and electrical disturbances within 1,000 feet ($1,000 deductible). Covers EDP equipment in transit or off premises.
  • Employee dishonesty - $25,000.2
  • Money and securities - Pays for loss of money and securities on premises (up to $15,000)2 and off premises (up to $5,000).2
  • Newly acquired/constructed property - Buildings and business personal property are covered for 90 days (up to $1,000,000 and $500,000 respectively)
  • Outdoor signs (on premises) - $10,000.2
  • X-rays and valuable papers and records - Special Causes of Loss1, including flood and earthquake (up to $100,000).2

1Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
2Coverage may be increased for an additional charge.

  • Subject to Special Causes of Loss.1
  • Pays valued daily loss of income up to $500 per day (up to 30 days).2
  • Pays excess over the valued daily loss for actual loss sustained that is documented (up to 12 consecutive months).
  • Replaces lost rental income based on actual loss sustained (up to 12 consecutive months).
  • Pays extra expenses necessary to continue operations, based on actual loss sustained (up to 12 consecutive months).
  • Extended business income based on actual loss sustained (up to 12 consecutive months).

1Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
2Coverage may be increased for an additional charge.

  • CinciPlus® CinciPakTM Medical/Dental Office Property XC+® Endorsement - Provides a $150,000 blanket limit above the base limits for accounts receivable; data processing equipment; electronic data processing; property and media; debris removal; valuable papers and records3; water back-up of sewer, drains, septic systems or sump pumps.
  • Equipment Breakdown Coverage (including production equipment) - Includes medical equipment. Machinery and equipment coverage can be added to protect you from costly repairs and business interruptions due to a covered cause of loss to covered equipment.

3Available in most states.

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