Business Owners

Business Owners

Our Special Business Owners Policy offers you security and peace of mind by transferring many of your risks to us.

Our Business Liability Coverage Includes:

Protection for all your operations and premises, whether you own, operate or lease them. Our policy can provide liability coverage for up to $1,000,000.

Our Special Property and Liability Coverage Includes:

  • Bodily injury or property damage that arises from yourbusiness operations.
  • Medical expenses of customers who are accidentally injured on your premises (limit of $5,000).
  • Up to $100,000 for damage to premises rented to you caused by fire.
  • Liability for business activities of your partners and employeeswhile acting on your behalf.
  • Liquor liability for business functions (except when you are inthe business of manufacturing, selling or serving liquor).
  • Liability for false arrest, libel, slander, wrongful entry or eviction.
  • Liability for advertising that violates anothers property or
    privacy rights.

We Offer Supplemental Coverages:

  • Up to $100,000 for damage to premises rented to you caused by fire.
  • Hired Auto and Non-Owned Auto Liability (not included if you have acommercial auto policy)
  • Up to $100,000 in Employment Practices Liability (Includes defense cost)
  • Up to $10,000 in Data Breach Protection
  • Up to $10,000 in coverage for restoration of accounts receivable andvaluable papers (limit can be increased)
  • Up to $10,000 in coverage for restoration of electronic media and records.
  • Up to $500,000 in coverage for a newly acquired or constructed building.
  • Up to $250,000 in coverage for business personal property at a newlyacquired or constructed building.
  • Up to 12 months in coverage for loss of business income and extra expense.
  • Up to $10,000 for money and securities inside and $2,000 outside.
  • Up to $10,000 coverage for employee dishonesty (limit can be increased upto $50,000)
  • Up to $5,000 coverage for personal effects of others.
  • Mechanical and electrical breakdown (restriction could apply).
  • Up to $5,000 coverage for business income due to a covered cause of lossat a dependent property.

 

****All coverage is subject to policy terms and conditions, see you policy for details****