Stateside APM insurance policies terms and 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. In particular we urge you to read the sections pertaining to claims procedures and vacant properties and property inspections. 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 NameStates AvailableDeductibleType of Hazard CoverPolicy Documents
Program 1 & 1aHazard - Michigan
Liability - Michigan
$5,000 / $5,000 VMMActual cash valueRead the policy
Program 2 & 2aHazard - All States except Michigan
Liability - All States except Michigan
$7,500 / $10,000 VMMActual cash valueRead the policy
Program 3 & 3aHazard - Michigan
Liability - Michigan
$7,500 / $10,000 VMMActual cash valueRead the policy
Program 4 & 4aHazard - All States except Michigan
Liability - All States except Michigan
$2,500 / $2,500 VMMActual cash valueRead the policy
Program 5 & 5aHazard - All States Including Michigan
Liability - All States including Michigan
$5,000 / $5,000 VMMReplacement cost or Actual cash value.
Please read page 10
Read the policy
Program 6 & 6aHazard - All States except Michigan
Liability - All States except Michigan
$2,500 / $12,500 VMMReplacement valueRead the policy
Program 7 & 7aHazard - IL, OH, MD, PA, & NJ only
Liability - IL, OH, MD, PA, & NJ only
$5,000 / $5,000 VMMActual cash valueRead the policy
Program 8 & 8aHazard - 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