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Insurance Coverage Q & A: Endorsement for Spilled Wine

When wine leaks out, what limit applies?

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The insured had a wine leakage loss that we are covering under the LEAKAGE COVERAGE _ BUSINESS PERSONAL PROPERTY under the CP-358W Endorsement. The leak was due to faulty corks and we agreed to cover it under b. Errors or omissions in the workmanship of “you” or “your” employee(s). The coverage has a limit of $25,000 unless a higher amount is shown on the declarations. (page 2 of the attached form). Our company does not offer any endorsement for additional coverage for leakage under this provision.

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