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foreign Welcome to our our property insurance discussion today renew Academy thank you for joining us property one of the more complex insurance policies the its a first party coverage as we said uh different than liability which is a third party coverage this is going to cover damage to our own stuff the policy owners buildings contents other business personal property its going to work as uh as very much a puzzle as insurance policies are going to design to do theres going to be a lot of elements that are not covered in a property insurance policy such as equipment heavy equipment uh if youre a refrigeration uh is a big part of your business uh youre going to want a special equipment breakdown policy on that refrigerator for example um its uh the property insurance policy the exposures the buildings contents its its more of a its very clear-cut as far as the identification of what are our exposures do we have a building do we have a fleet do we have uh intellectual property