Business Lines

PROPERTY INSURANCE

Amounts quoted below are the typical basic coverage limit’s provided –additional coverage may be purchased and limits vary by company.

General Loss

Protects your buildings and business personal property, including computer equipment and glass, from certain losses due to fire, vandalism, theft, windstorm, water exposure or other perils.

Business Income Protection

Provides coverage for loss of earnings and/or extra expenses after a covered loss, for up to 12 months or more.

Accounts Receivable

Most policies provide $25,000 coverage for amounts due from your customers that you are unable to collect because of loss or damage to records.

Equipment Breakdown

Covers damages related to certain equipment failure which is often not covered by warranties or property policies.

Valuable Papers or Records

Provides $25,000 coverage for loss of documents, manuscripts and records, including data and media, caused by a covered hazard.

Money and Securities

Provides coverage for theft, disappearance, or destruction of money and securities at your covered premises, at a bank, or while in transit. This covers up to $10,000 on premises and $5,000 off premises. Higher limits are available.

Employee Dishonesty

Provides $15,000 coverage for loss of your business property and money and securities caused by covered dishonest acts committed by your employees.

Forgery or Alteration

Provides $5,000 coverage for losses involving forgery or alteration of checks, drafts, and other covered instruments.

Sewer or Drain Backup

Provides $5,000 coverage for damage caused by water that backs up from a sewer, drain, or sump.

Outdoor Signs

Provides $7,500 for damage to your outdoor sign caused by a covered hazard.

LIABILITY INSURANCE

General Liability

For covered acts, provides protection for damages legally owed to others as a result of your business operations. Choose one of four amounts of coverage to cover claims of the following: Bodily injury, Property damage, Personal and advertising injury.

Tenants Liability

Pays for property damage loss, for which you are legally liable, to premises rented to you, up to policy limits.

Medical Payments Coverage

Helps pay doctor bills for accidental injuries up to $10,000, even if the accident does not involve legal liability.

Optional Liability Insurance

Employee Benefit Liability

Covers you for financial loss related to private employee benefit programs due to administrator’s errors and omissions.

Nonowned/Hired Auto Liability

Covers you for exposures due to nonowned or hired commercial autos when no other auto policy exists (not available in all states).

Garagekeepers Insurance

Provides coverage for damage to your customer’s auto when left in your care, custody, and control.

Liquor Liability