Our agents understand the needs of your business. Your business is unique and your agent can help you customize a policy to fit your business.
Additional Coverages
- Preservation of property and debris removal
- Water damage, liquid, powder or molten material
- Business income
- Extra expense
- Pollution cleanup and removal
- Civil authority
- Money orders and counterfeit money
- Forgery or alteration
- Increased cost of construction
- Business income from dependent properties
- Glass expenses
- Fire extinguisher systems recharge expenses
- Electronic data
- Interruption of computer systems
- Limited coverage for fungi
- Newly acquired or constructed property
- Personal property off-premise
- Limited coverage for outdoor property
- Personal effects for your property, and property of your members, managers and employees
- Valuable papers
- Accounts receivable
Business Liability Coverage
- Body injury and property damage
- Personal injury and advertising coverage
- Damage to property rented to you
- Premises medical coverage
Optional Coverage
- Equipment breakdown
- Employee dishonesty
- Money and securities
- Outdoor signs
- Hired and non-owned autos
- Various additional insured endorsements
- Many more coverages available
Valuation
Coverage is generally for replacement cost. The following exceptions, however, will be adjusted based on actual cash value:
- Some select buildings
- Property of others
- Used or secondhand merchandise
- Manuscripts, works of art, antiques or rare articles
- Tenants’ improvements or betterments
- Money and securities (face value)
