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ISO Commercial Inland Marine Program

Summary: Many businesses possessing valuable papers and records—such as blueprints, manuscripts, deeds, maps, historical documents, or everyday business records—avoid the financial consequences of physical loss to such items simply by maintaining duplicates at another location. Insureds who are able to do so may have little or no need for valuable papers and records insurance. Other insureds possess property or have operations of such a nature that they cannot make or maintain duplicates. For example, an original Thomas Jefferson letter is irreplaceable, and the existence of a photocopy at another location would not mitigate the loss. Or, an architect may at any given time have many thousands of dollars’ worth of uncompleted drawings and sketches that have not yet been copied and stored elsewhere.

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