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The Fund will pay for direct physical loss of or damage to covered property unless excluded or limited.  Coverage is written on a replacement cost basis with an 80% coinsurance clause.  A standard $1,000 deductible applies to each occurrence, with optional higher deductibles available.

Covered Property may be a “Building” or “Your Business Personal Property” (contents).

Coverage is provided on an “all risks” (subject to exclusions) basis to include boiler and machinery, flood, and earthquake.