# Commercial Property Insurance Policy

**Insurer:** Meridian Casualty Insurance Company
**Policyholder (Named Insured):** Northwind Manufacturing LLC
**Policy Number:** ACME-CPP-2026-0417
**Broker of Record:** Coastal Risk Advisors — contact Jordan Blake (jordan.blake@coastalrisk.example)

## Policy Period
- **Effective Date:** 01 January 2026
- **Expiration Date:** 31 December 2026

## Coverage Summary
- **Coverage Type:** Commercial Property — All-Risk (Special Form)
- **Blanket Limit of Insurance:** $12,500,000
- **Per-Occurrence Deductible:** $50,000
- **Annual Premium:** $187,400
- **Valuation Basis:** Replacement Cost

## Covered Perils
Fire, lightning, windstorm, hail, explosion, theft, and accidental water damage
from plumbing systems.

## Exclusions (IMPORTANT)
The following are **EXCLUDED** and require separate coverage:
- **Flood** (including surface water and storm surge)
- **Earthquake and earth movement**
- Wear and tear, gradual deterioration
- War and nuclear hazard

## Insured Locations
1. Headquarters — 1200 Northwind Blvd, Columbus, OH 43215
2. Warehouse 7 — 4200 Industrial Pkwy, Toledo, OH 43607
3. Distribution Center — 88 Lakeshore Rd, Cleveland, OH 44113

## Key Contacts
- **Claims reporting hotline:** 1-800-555-0142
- **Underwriter:** Dana Whitfield, Meridian Casualty
- **Risk Manager (Northwind):** Samuel Ortega