Property coverage

Buildings and other structures

We cover the things that help keep you doing your good work.

Buildings

As stated

Provides replacement cost coverage for your buildings and other structures supporting your business.

Extra Expense

12 months

Provides coverage for extra expenses incurred to restore your operations as a result of damage to a covered premises from a covered cause of loss.

Newly Constructed or Acquired Buildings

$250,000 (if Buildings coverage selected on policy)

Provides coverage for buildings newly constructed or which have been newly acquired and are located on the described premises.

Debris Removal

Up to 25% of loss plus $25,000

Provides coverage for expenses of removing debris from damage to covered property from a covered cause of loss.

Outdoor Property

$2,500

Coverage for outdoor fences, radio and television antennas, trees, shrubs and plants from damage due to specifically stated causes of loss.

Business personal property

We know that your business is more than just a building, which is why our policy covers your personal property, too.

Business Personal Property

As stated

Provides coverage for the property you own that is used to operate and maintain your business.

Loss of Business Income

12 months

Provides coverage for loss of income as a result of damage to a covered premises from a covered cause of loss.

Newly Acquired Business Personal Property

$100,000 (if BPP coverage selected on policy)

Provides coverage for newly acquired business personal property when business personal property coverage is part of the policy.

Accounts Receivable

$10,000 on-premises, $5,000 off premises

Provides coverage for uncollectible amounts due to direct physical loss or damage to your accounts receivable records from a covered cause of loss.

Valuable Papers and Records

$10,000 on-premises, $5,000 off premises

Extends business personal property coverage to apply to direct physical loss to valuable papers or records due to a covered cause of loss.

Business Income from Dependent Properties

$5,000

Provides coverage for actual loss of business income incurred due to a covered cause of loss at the premises of a dependent property.

Forgery and Alteration

$2,500

Provides coverage for loss resulting directly from forgery or alteration of any check, draft, promissory note, bill of exchange or written promise of payment for which you issued or by which someone impersonates you.

Personal Effects

$2,500

Extends business personal property coverage to apply to your personal effects while on a described premises.

Money Orders and Counterfeit Money

$1,000

Provides coverage for loss resulting from accepting counterfeit money in good faith.

Personal Property Off-Premises

$10,000

Provides coverage for property other than money, securities, accounts receivable or valuable papers and records while in the course of transit.

Additional included coverages

Because our policy was built with you in mind, a number of additional coverages are included at no additional cost.

Electronic Data

$10,000

Provides coverage to replace or restore certain types of electronic data that has been destroyed or corrupted by a covered cause of loss.

Interruption of Computer Operations

$10,000

Provides coverage for business income and extra expense for loss sustained due to a suspension of operations resulting from corruption of certain electronic data from a covered cause of loss.

Pollution Cleanup

$10,000

Provides coverage for expenses associated with extracting pollutants from land or water if caused by or resulting from a covered cause of loss.

Increased Cost of Construction

$10,000

Provides increased coverage for additional loss incurred based upon requirements to conform to current building laws or ordinances.

Fire Extinguisher Recharge

$5,000

Provides coverage for expenses incurred to recharge a fire extinguisher damaged or used during a covered cause of loss.

Water Back Up of Sewers or Drains

$5,000

Provides coverage for loss or damage caused by water that backs up or overflows from a sewer, drain, sump, sump pump, or related equipment.

Add-on coverages

Further customize your policy to include higher coverage amounts or add-on coverage specific to your needs.

Money and Securities

Provides coverage for money and securities as a result of theft, disappearance or destruction while on an insured premises.

Employee Dishonesty (Increased Limits)

Provides coverage for dishonest or fraudulent acts committed by employees.

Outdoor Signs (Extended coverage / Limits)

Provides coverage for signs that are not attached to your building.

Food Contamination

Provides coverage for certain expenses and loss of business income due to the described residence being ordered closed by a governmental authority due to discovery or suspicion of food contamination.

Equipment Breakdown

Provides coverage for direct loss or damage to covered property caused by or resulting from a mechanical breakdown or electrical failure of pressure, mechanical, or electrical machinery or equipment.

Spoilage

Provides coverage for loss of perishable inventory generally caused by a change in temperature or humidity as a result of equipment breakdown or a power outage.

Identity Fraud

Provides coverage for expenses incurred due to identity fraud, including costs for notarizing affidavits, certified mail, credit reports, lost income, loan application fees, attorney fees, and long-distance phone charges.

Ordinance & Law

Provides coverage for loss due to enforcement of ordinances or laws regulating the construction, demolition, repair, or zoning of buildings. Includes coverage for loss to undamaged portions, demolition costs, and increased construction costs.

Liability coverage

General liability

Provides coverage for your business, employees and volunteers against claims of negligence.

Business Liability

As selected

Coverage limit includes all third-party losses for bodily injury, property damage, as well as personal and advertising injury.

Damage to Premises Rented to You

$50,000

Provides coverage for damages incurred from a covered cause of loss to premises from which you rent.

Medical

Provides coverage for medical expenses regardless of fault.

Medical Expenses (regardless of fault)

As selected

Provides coverage for necessary medical expenses regardless of fault.

Add-on coverages

Further customize your policy to include higher coverage amounts or add-on coverage specific to your needs.

Professional Liability

Provides coverage for actual or alleged negligent acts and rendering or failing to render professional services.

Hired & Non-Owned Auto Liability

Provides liability, medical and physical damage coverage for borrowed and hired autos not owned by an insured.

Employment Practices Liability

Provides coverage for claims against unfair employment practices.

Employee Benefits Liability

Provides coverage for actual or alleged negligent acts and issues related to employee benefits, including health insurance, vision care and/or retirement plans.

Cyber Liability

Provides coverage for damages and claims made against loss of data or a security breach due to a computer virus or malicious attack enacted upon covered computer systems.

Business Owners

BUSINESS LIABILITY:

PROPERTY:

GL UNDERWRITING FOCUS:

PROPERTY UNDERWRITING FOCUS:

Submission requirements:
‍

Built for you.
Backed by experts.™

State Availability

Property coverage

Liability coverage

Discounts Available:

Coverage

Partner With Us

Company

Resources

Click. Quote. Covered

Business Owners

BUSINESS LIABILITY:

PROPERTY:

GL UNDERWRITING FOCUS:

PROPERTY UNDERWRITING FOCUS:

Submission requirements:‍

Built for you. Backed by experts.™

State Availability

Property coverage

Buildings and other structures

Business personal property

Additional included coverages

Add-on coverages

Liability coverage

General liability

Medical

Add-on coverages

Discounts Available:

Coverage

Partner With Us

Company

Resources

Click. Quote. Covered

Submission requirements:
‍

Built for you.
Backed by experts.™