Small Business

PROTECT YOUR BUSINESS

Coverages

Business Interruption Coverage

Having Business Interruption Coverage (aka Business Income Coverage) helps cover lost income and extra expenses if it is affected by a covered peril. In the event of a fire to a buisiness, this coverage would protect against monetary loss for the period of time it is not operating, and pay fixed expenses while at an offsite location. This type of coverage is normally bundled or included BOP. For more information and recommendations give us a call.

Business Owners Policies

Business Owners Policies (BOP) combines both property and liability coverage into one policy. A coverage that protects your business should it suffer from fire, theft, and several other covered disasters while also protecting from liabilties like customer injury. Similar to other polices, there are exclusions and to address your concerns we are more than willing to advise you about add-on coverages than will enhance your policy.

Equipment Breakdown Coverage

Imagine business is operating as usual and there is a power surge, having equipment breakdown coverage would help pay to repair any damaged equipment and the income lost while the power was out. The five main catagories of equipment are: Mechanical, Electrical, Computer & Communications, Air Conditioners and Refrigeration Systems, and Boilers and Pressure Equipment. Contact us today so that your business is protected from those unpredictable and uncontrollable events.

Liability Coverage

Liability coverage is meant to protect your business from a variey of issues that can arise in a day-to-day basis including bodily injury, property damage, personal injury, and so much more. As an example, if a customer is injured at your business, this would cover any legal expenses and other liability claims. For anymore questions, comments, and concerns please reach out to one of our agents.

Property Coverage

This policy protects the property your business owns. This includes movable property, debris removal, commercial buildings, loss of income and pollution cleanup as a part of a covered loss. As always all policies have their limiations and exclusions, so having policy endorsements can be beneficial. Send us an email or call us to get more information on the types of coverages you need to protect your business and alleviate concerns.