Building and Personal Property Insurance

The Building and Personal Property coverage form covers your buildings, business personal property and personal property of others, located on your premises against direct physical loss due to a covered peril, e.g., fire, wind, hail, vandalism, theft, lightning, sprinkler leakage, explosion, smoke, glass breakage, collapse, etc. Please note that the causes of loss covered by the property policy we are proposing include: "all risks" of direct physical damage except as excluded or limited in the policy. (This is what is meant by Special Form Coverage.) Common policy exclusions include: earthquake, flood/surface water, ordinance or law, off-premises utility services, war or military action, nuclear hazard, governmental action, mechanical breakdown, pollution, an employees dishonest or criminal acts, etc. For example, damage to your property arising out of an earthquake is not covered; however, concurrent fire damage to your property resulting from the same earthquake is covered.

TriNet offers insurance as part of an HR outsourcing arrangement or as a stand-alone offering. For more information about TriNet Insurance Services, please call 1-888-842-6805.