The policy is written on an ISO form CP 0010 (02/00), which provides only the basic perils of Fire, EC & VMM. The coverage is written on an ACV basis only (with no replacement cost coverage.) Only non-manufacturing type of commercial property is eligible for coverage with the OFPA.

Our typical type of commercial property would include retail, mercantile, and apartment houses. If you have a question as to whether an occupancy may be eligible for the OFPA, please contact us and we will be happy to address your specific situation.