Businessowners Policy

The following resource materials are available to assist you.

• Businessowners Brochure

Providing protection for your eligible office, apartment or condominium, retail, wholesale or service establishment.

• Your owned buildings and/or business personal property.
• Your earnings and rental income for up to one year.
• Your expenses incurred, after a loss, to keep your business going while rebuilding or relocating.
• Your eligible home-based business.

Here are just a few coverages included in our Businessowners Program.

• Interior and exterior building glass included under the building limit of insurance.
• All signs covered for wind and hail.
• $25,000 Accounts Receivable.
• $25,000 Valuable Papers and Records.
• $5,000 Electronic Data Processing Hardware.
• $5,000 Electronic Data and Media.
• Money and Securities up to $10,000 inside and $2,000 outside.
• $60,000 Building Ordinance or Law Coverage.
• $10,000 Back-up of Sewers and Drains.
• $5,000 Off Premises Power.
• $25,000 Property Off Premises including transportation.
• Automatic seasonal increase for Business Personal property - 25%.
• Fire Legal Liability - $100,000.

• Up to $2 million liability limits available.
• Professional Liability options for Barbers/Beauticians, Veterinarians, Optical/Hearing Stores, Funeral Directors, Printers Errors and Omissions.
• Liquor Liability option.
• No coinsurance provision.
• Age of building credits.
• Loss free renewal credits.