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.

The agent is arguing that the policy limit for BBP on the policy dec page should apply because it is the "higher limit shown on the declarations". The dec page has $410,400 for BPP.

I tried to explain that this is the limit for all his BPP and not just the wine that leaked. Can you shed some insight on this and what the limit should be?