Coverage
The Businessowners policy is a convenient package of coverages that offers
you peace of mind for exposures that could financially impact you business.
The basic coverage package includes:
- Described Buildings and Business Personal Property for Special Causes of Loss
- Tenants Improvements and Betterments
(when included in business personal property)
- Business Liability
- Debris Removal
- Fire Department Service Charges
- Mechanical Breakdown
- Business Income on an Actual Loss Sustained Basis
- Extra Expense
- Money Orders and Counterfeit Paper Currency
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- Forgery or Alteration
- Increased Cost of Construction
- Business Income from Dependent Properties
- Glass Expense
- Fire Extinguisher Systems Recharge
- Newly Acquired Property
- Personal Property Off-Premises
- Outdoor Property
- Personal Effects
- Valuable Papers and Records
- Accounts Receivable
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included coverages may have policy sublimits and loss limitations.
Please refer to your policy or ask your agent for actual coverage details.
Optional Coverages and Endorsements
The following coverages can be added to your policy for additional premium:
- Outdoor Signs
- Money and Securities
- Employee Dishonesty
- Employer's Liability
- Earthquake
- Backup of Water and Sewer
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- Condo Unit-Owners Coverage
- Condo Association Coverage
- Hired and Non-owned Auto
- Ordinance or Law
- Spoilage
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Your Automobile and Inland Marine Coverages
Can be Added to This Convenient Package
You may be eligible for discounts
on your Businessowners policy. Check with your agent!
Automobile Package Discount
Sprinkled Building Discount
Exceptional Loss History
Burglary and Fire Protective Systems
This is not a policy contract but a general description.
The policy itself should be read carefully for coverages, limitations, and exclusions.
