Special Form

"This form is also referred to as œall risk coverage. It is very broad in scope, but again like the liability policy, you need to read the exclusions and limitations to know what you are not covered for. Typical exclusions under the property special form are: earthquake, flood, employee dishonesty, heating and air conditioning breakdown and steam boiler damage. You can usually purchase optional coverage such as flood insurance, but it is your responsibility to request this from your agent."