This program can combine your Property, Liability, Crime and Inland Marine coverages onto one policy and is offered on most commercial risks, which do not qualify for our Businessowners program.
If eligible, we offer Liquor Liability coverage for Grocery Stores, Convenience Stores, Family Style Restaurants, Pizza Shops and Bed and Breakfast operations.
We offer a 10% discount when we write your Commercial Auto.
We have competitive discounts for increased property deductibles (our standard deductible is $500).
This type of policy includes the following built-in features:
- Outdoor Property - Limited coverage up to $1,000 but no one item over $250
- $1,000 of Fire Department Service Charge Protection
- Debris Removal up to 25% of the direct physical loss
- $5,000 of Personal Property off Premises Protection
- $1,000 of Valuable Papers & Records - Cost of Research
- $2,500 of Personal Effects and Property of Others
If eligible, we offer an extension endorsement that can increase the Limits for built-in features or provide extended perils coverage:
- Building Glass up to $2,500
- Personal Property Off Premises up to $5,000
- Exterior Signs up to $5,000
- Personal Property of Others up to $5,000
- Accounts Receivable up to $5,000
- Fine Arts up to $5,000
- Money and Securities up to $5,000 (On Premises)
- Money and Securities up to $2,000 (Off Premises)
- Valuable Papers and Records - Cost of Research up to $5,000
- Temperature Change (Food Spoilage) up to $5,000
- Back up of Sewer or Drains up to $1,000
- Outdoor Property up to $5,000 but no one item over $250
Contact your local independent agent for more information
