CIC Commercial Property Questions and Answers with Verified
Solutions | Latest 2026 Update
Q: Power Supply Services,
Answer:
Q: Spoilage Coverage Endorsement
Answer:
This endorsement modifies coverage under the Business
And Personal Property Coverage Form, providing coverage for damage to
"perishable stock," as
defined, for "Breakdown or Contamination" and/or "Power Outage" when indicated
in the
Schedule.
Q: This endorsement carries its own limit of insurance as indicated in the Schedule.
Answer:
, CIC Commercial Property Questions and Answers with Verified
Solutions | Latest 2026 Update
Q: Water Exclusion
Answer:
While this is often referred to as the "flood" exclusion, it includes many
water-related perils beyond flood. There is no coverage for loss or damage caused
by:
flood
surface water
mudslide
sewer backup
hydrostatic pressure or
waterborne material carried or moved by any of the above.
Q: Flood Coverage Endorsement
Answer:
The Flood Coverage Endorsement modifies the Commercial
Property Coverage Part, except for the Electronic Data Additional Coverage.
, CIC Commercial Property Questions and Answers with Verified
Solutions | Latest 2026 Update
Q: This endorsement adds Flood as a Covered Cause of Loss. Flood is defined as
Answer:
1. The overflow of inland or tidal waters;
Q: 2. The unusual or rapid accumulation or runoff of surface waters from any
source; or
Answer:
3. Mudslides or mudflows caused by flooding. Mudslide or mudflow involves a river
of liquid
and flowing mud on the surface of normally dry land areas when earth is carried by a
current of
water and deposited along the path of the current.
, CIC Commercial Property Questions and Answers with Verified
Solutions | Latest 2026 Update
Q: Discharge From Sewer, Drain Or Sump (Not Flood-Related) Endorsement
Answer:
This endorsement
modifies coverage under the time element coverage forms as well as the BPPCF. It
requires
specifying a Discharge Limit for property damage and/or business interruption in the
Schedule,
which may be on an annual aggregate basis. T
Q: his endorsement covers direct physical loss to Covered Property caused by the
discharge of
Answer:
water or waterborne material from a sewer, drain, or sump located on the described
premises.
Solutions | Latest 2026 Update
Q: Power Supply Services,
Answer:
Q: Spoilage Coverage Endorsement
Answer:
This endorsement modifies coverage under the Business
And Personal Property Coverage Form, providing coverage for damage to
"perishable stock," as
defined, for "Breakdown or Contamination" and/or "Power Outage" when indicated
in the
Schedule.
Q: This endorsement carries its own limit of insurance as indicated in the Schedule.
Answer:
, CIC Commercial Property Questions and Answers with Verified
Solutions | Latest 2026 Update
Q: Water Exclusion
Answer:
While this is often referred to as the "flood" exclusion, it includes many
water-related perils beyond flood. There is no coverage for loss or damage caused
by:
flood
surface water
mudslide
sewer backup
hydrostatic pressure or
waterborne material carried or moved by any of the above.
Q: Flood Coverage Endorsement
Answer:
The Flood Coverage Endorsement modifies the Commercial
Property Coverage Part, except for the Electronic Data Additional Coverage.
, CIC Commercial Property Questions and Answers with Verified
Solutions | Latest 2026 Update
Q: This endorsement adds Flood as a Covered Cause of Loss. Flood is defined as
Answer:
1. The overflow of inland or tidal waters;
Q: 2. The unusual or rapid accumulation or runoff of surface waters from any
source; or
Answer:
3. Mudslides or mudflows caused by flooding. Mudslide or mudflow involves a river
of liquid
and flowing mud on the surface of normally dry land areas when earth is carried by a
current of
water and deposited along the path of the current.
, CIC Commercial Property Questions and Answers with Verified
Solutions | Latest 2026 Update
Q: Discharge From Sewer, Drain Or Sump (Not Flood-Related) Endorsement
Answer:
This endorsement
modifies coverage under the time element coverage forms as well as the BPPCF. It
requires
specifying a Discharge Limit for property damage and/or business interruption in the
Schedule,
which may be on an annual aggregate basis. T
Q: his endorsement covers direct physical loss to Covered Property caused by the
discharge of
Answer:
water or waterborne material from a sewer, drain, or sump located on the described
premises.
