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Margin Clauses

Blanket insurance is often the most effective and safest way to write property insurance on risks with multiple locations. Since the limit can be applied to any location, it lessens the likelihood of inadequate insurance due to fluctuating values. However, there appears to be an increasing use of margin clauses that limit coverage at a specific location to a percentage of the statement of values entry for that location. Here's why you should be concerned....

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