This program combines your property and liability on one policy and can be offered to most Mercantile businesses, Residential Apartments or Condominiums, Service type businesses, Offices, Special Trade Contractors and Motels/Hotels/Inns/Bed & Breakfast operations.
Click on the business type below to see eligible business classes:
If eligible, we offer Liquor Liability coverage for Grocery Stores, Convenience Stores, Family Style Restaurants, Pizza Shops and Bed and Breakfast operations.
If eligible, we offer Professional Liability for the following types of businesses: Barbers, Beauticians, Nail Salons, Retail Optical Centers, Hearing Aid Centers, Printers Errors & Omissions, Veterinarians, Funeral Homes, Residential Condominiums Directors & Officers, Church Professional Counseling and Church Directors & Officers.
We offer many discounts such as:
- 7% Loyalty discount when you renew your business with our company after the first year.
- 10% discount when we also write your Commercial Auto.
- 10% discount if your policy premium is over $10,000.
We have competitive discounts for increased property deductibles (our standard deductible is $500).
This type of policy includes the following built-in features:
- Replacement Cost coverage for Buildings & Owned Business Contents
- Loss of Business Income for up to 12 months
- Outdoor Property - Limited coverage up to $2,500 but no one item over $500
- $1,000 of Fire Department Service Charge Protection
- Debris Removal up to 25% of the direct physical loss
- $2,500 of Personal Property off Premises Protection
- $5,000 of Valuable Papers & Records and Accounts Receivable (on Premises) Protection
- $2,500 of Valuable Papers & Records and Accounts Receivable (off Premises) Protection
- Business Personal Property Limit - Seasonal Increase by 25% if insured at 100% value
If eligible, we offer an extension endorsement that can increase the Limits for built-in features or provide extended perils coverage:
- Debris Removal up to $10,000
- Fire Department Service Charge up to $5,000
- Tenant's Exterior Glass up to $3,000
- Ordinance or Law Coverage to include Undamaged Portion of Building, Demolition Cost and Increased Cost of Construction up to $25,000
- Personal Property Off Premises up to $10,000
- Valuable Papers & Records and Accounts Receivable (On Premises) up to $5,000
- Valuable Papers & Records and Accounts Receivable (Off Premises) up to $2,500
- Outdoor Signs up to $10,000
- Money and Securities up to $5,000 (On Premises)
- Money and Securities up to $2,500 (Off Premises)
- Breakage Coverage up to $5,000
- Back up of Sewer and Drains up to $5,000
- Temperature Change up to $10,000
- Fire Extinguisher Recharge Expense up to $1,500
- Arson Reward up to $5,000
- Lock Replacement up to $1,500
- Outdoor Property up to $5,000 but no one item over $250
Contact your local independent agent for more information