Stateside APM insurance policies terms & conditions and claim procedures.
Below are links to the policy wording for our Hazard and General Liability programs. These are the actual policy documents of our umbrella policies which your property will be added to. These programs are only available to clients that subscribe to one of our services.
We cannot offer any advice as to how much you should cover your property for, but our programs require a minimum amount of cover equal to $45 per square foot.
Please ensure you read and understand our terms and conditions and the coverage provided under the program you choose. Stateside APM cannot provide advice as to whether the cover is suitable for your purpose or the amount you should insure for. Stateside APM is not an insurance broker or agent and cannot provide individual insurance policies.
Please feel free to contact us if you have any queries.
Stateside APM Terms & Conditions and Claim Procedures
Stateside APM Insurance Programs
| Program Name | States Available | Deductible | Type of Hazard Cover | Policy Documents |
|---|---|---|---|---|
| Program 1 & 1a | Hazard – Michigan Liability – Michigan |
$5,000 / $5,000 VMM | Actual cash value | Read the policy |
| Program 2 & 2a | Hazard – All States except Michigan Liability – All States except Michigan |
$7,500 / $10,000 VMM | Actual cash value | Read the policy |
| Program 3 & 3a | Hazard – Michigan Liability – Michigan |
$7,500 / $10,000 VMM | Actual cash value | Read the policy |
| Program 4 & 4a | Hazard – All States except Michigan Liability – All States except Michigan |
$2,500 / $2,500 VMM | Actual cash value | Read the policy |
| Program 5 & 5a | Hazard – All States Including Michigan Liability – All States including Michigan |
$5,000 / $5,000 VMM | Replacement cost or Actual cash value. Please read page 10 |
Read the policy |
| Program 6 & 6a | Hazard – All States except Michigan Liability – All States except Michigan |
$2,500 / $12,500 VMM | Replacement value | Read the policy |
| Program 7 & 7a | Hazard – IL, OH, MD, PA, & NJ only Liability – IL, OH, MD, PA, & NJ only |
$5,000 / $5,000 VMM | Actual cash value | Read the policy |
| Program 8 & 8a | Hazard – All States except Michigan Liability – All States including Michigan |
$2,500 / $2,500 VMM $2,500 / $5,000 if vacant |
Replacement cost unless insured for less than $75 per sq ft. Please read page 10 of policy. |
Read the policy |