Coverage classification
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Compare Lost key coverage forms
| Form | Intent | Coverage context | Conditions and limits |
|---|---|---|---|
Safeco Insurance Company of AmericaLost Key Liability Coverage 1G0401FR 07 23 Commercial General Liability | Covers specified amounts the insured is legally obligated to pay because of loss of others’ keys. | Applies to keys in the insured’s care, custody or control and qualifying property damage. | Limits payment to key costs, adjusting locks or required replacement locks and installation, with stated limits and deductible. |
Peerless Insurance CompanyLost Keys Coverage 1P0410FR 07 23 Commercial Property | Pays specified consequential loss to keys and locks after a covered cause of loss. | Applies when a master or grand master key for a location shown in the declarations is lost or damaged. | Pays the lesser of listed replacement or adjustment costs, up to the occurrence limit, with no deductible. |
Notable clauses
“the loss of keys of others which are in the care, custody, or control of any insured”
Safeco Insurance Company of America · Lost Key Liability Coverage · 1G0401FR 07 23
Keys of others. The liability form addresses the insured’s legal obligation for qualifying loss of others’ keys.
“if a master key or grand master key for a location shown in the Declarations is lost or damaged”
Peerless Insurance Company · Lost Keys Coverage · 1P0410FR 07 23
Master keys. The property form requires a covered cause of loss and addresses scheduled locations.
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