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BUSINESSOWNERS POLICY
The Businessowners Policy is a comprehensive package policy designed to address the property and liability exposures of small to medium-sized businesses. Some of the types of businesses that may be written on a Businessowners policy include offices, retail stores, and service and processing businesses, just to name a few. This specialized policy provides coverages essential for quality protection at an affordable price.

The Businessowers Policy Automatic coverages:

Building, which includes…
  • Exterior Building Glass
  • Attached Signs
  • Completed Additions
  • Fixtures
  • Permanently installed machinery and equipment
Business Personal Property, which includes...
  • Property owned by the insured and used in the insured's business
  • Property of others in the insured's care, custody, or control (Actual Cash Value)
  • Tenants improvements and betterments
  • Leased personal property for which the insured has a contractual responsibility to insure

Business Liability, which includes...

  • Premises/Operations
  • Products-Completed Operations
  • Personal Injury
  • Advertising Injury
  • Medical Expenses
  • Fire Legal Liability
The Businessowners Policy Optional Coverages:
  • Additional Insureds
  • Computer Coverage
  • Computer Fraud
  • Condominium Commercial Unit Owners Loss Assessment
  • Condominium Commercial Unit Owners Miscellaneous Real Property
  • Directors and Officers Liability(claims made) – Condominiums
  • Earthquake
  • Employee Benefits Liability (claims made)
  • Employee Dishonesty
  • Employers Liability (Stop Gap) Coverage (where required)
  • Exterior Building Glass – Tenants Coverage
  • Interior Building Glass
  • Hired Auto Liability
  • Liquor Liability
  • Mine Subsidence (where available)
  • Non-Owned Auto Liability
  • Ordinance or Law
  • Outdoor Signs
  • Professional Liability – Barbers and Beauticians, Funeral Directors, Optical and Hearing Aid Establishments, Printer's Errors and Omissions, Veterinarians
  • Spoilage
  • Tenants Liability
  • Utility Services – Direct Damage
  • Utility Services – Time Element
  • Water Back-up
Businessowners Property & Crime Coverages (pdf)

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