Small Business Insurance Program
The Business Owner's Policy is designed to provide comprehensive coverages, needed by most retail, wholesale, and office type businesses.
Not all businesses are eligible for the "Business Owner`s" policy, which could be based on the type of business, or the amount of annual sales.
Typical Coverages
- Accounts Receivable Records
- Buildings
- Civil Authority Actions
- Contents/Business Personal Property
- Employee Dishonesty
- Exterior Building Glass
- Extra Expense
- Forgery & Alterations
- Increase Cost of Construction
- Liability Coverages
- Loss of Income
- Money Orders & Counterfeit Currency
- Money & Securities Coverage: in & out of the premises
- Outdoor Property
- Personal Effects
- Personal Property at Newly Acquired Locations
- Personal Property Off Premises
- Pollutant Cleanup
- Property Not Covered
- Signs
- Valuable Papers & Records
Additional/Optional Coverages
- Additional Insureds (landlord, vendors, lessors of equipment, etc.)
- Burglary & Robbery
- Computer Equipment/Media
- Employer's Hired/Non-Owned Auto Liability
- Employee Benefits Liability
- Interior Glass
- Mechanical Breakdown
- Professional Liability
- Spoilage Coverage
Return