ERIE's broad building definition, in addition to covering your buildings, includes permanent
attachments to the buildings, building equipment and fixtures servicing the premises, personal
property you have for the service and maintenance of the building, and building glass and glass wall
cabinets including lettering, ornamentation and burglar alarm foil.
Your business personal property and personal property of others will be protected by your FivestarSM policy as
long as it is located in or on your premises or within 1,500 feet of your building.
Additional property protection is provided in the additional and supplemental coverages as well.
- Coverage is provided on a replacement cost basis, which eliminates any deduction for depreciation
should a loss occur.
- Coverage is provided on a comprehensive basis, which provides coverage against all causes of loss,
including theft, except those specifically excluded in the policy.
- You will not be penalized for non-compliance with the standard coinsurance clause because this policy
does not contain one. However, for your protection, it's important to insure to value.