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Small Business Insurance

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Core Coverage Highlights

Our business owners policy offers an affordable way for you to obtain property and liability insurance with the following key coverages important to any business.

Property Highlights

Property coverage is available to cover your building and business personal property at replacement cost with no coinsurance. Below is a list of those property highlights, but note that limits or deductible specifics may vary depending on qualifying carrier. A full list of actual coverage details and limitations will be provided with your policy. – Some restrictions may apply.

Accounts receivable: Coverage is included up to $25,000 on and off premises. On-premises limit may be increased. –  Deductible does not apply

Business income and extra expense: Covers loss of business income due to suspended operations caused by direct physical loss or damage to property at the described premises from a covered cause of loss.

Business personal property off premises: Coverage for business personal property off premises is provided, including while in transit or temporarily away from the scheduled premises and at a premises you do not own, lease or operate; or at any fair, trade show, or exhibition.

Crime coverage: Employee dishonesty and forgery as well as alteration coverage are included up to $25,000, and limit may be increased. (Some restrictions may apply) – Money and securities are included within business personal property. Theft of money and securities is limited to $25,000. Limit may be increased. (Some restrictions may apply) – Theft damage to rented property coverage is included within business personal property when the tenant is contractually obligated to make these repairs.

Electronic data processing equipment, data and media: Coverage is included subject to the business personal property limit, for a maximum of $50,000. Limit may be increased. (Some restrictions may apply) – Coverage applies worldwide. – Enhanced perils under this coverage extension include protection against loss by electrical current, mechanical breakdown and power failure. – Off-premises (including transit) coverage, backup data off-premises coverage and newly acquired equipment coverage is included up to $25,000.

Equipment breakdown: Coverage for equipment breakdown is included within applicable limits. – Diagnostic equipment, power-generating equipment and production equipment are limited to $100,000 for direct damage. – Limit may be increased. – Service interruption of water, communication or power supply services is covered from a covered breakdown (when business income and extra expense is covered).

Signs: Coverage for signs within 1,000 feet is included within the building limit when building coverage is written or within business personal property limit when tenant is contractually obligated.

Valuable papers and records: Coverage is included up to $25,000 on and off premises. On-premises limit may be increased. – Includes the cost to research, replace or restore lost information.

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