What it does
CR 35 10 conditions coverage under the inside-the-premises agreements on forcible entry into the premises, so losses with no signs of break-in are not covered.
Who needs it
Underwriters attach it to risks with weak access controls or many keyholders.
How it fits the policy
An exclusion endorsement narrows the base form; it is listed among the endorsements forming part of the policy on the declarations. Because exclusions are often attached by the underwriter rather than requested, check the forms schedule on every quote and renewal and explain any added exclusion to the insured. ISO's forms index lists the current edition for 52 jurisdictions.
Quoting and selling notes
- Explain that unexplained disappearance or entry with a key will not be covered.
