Peace of mind for the SMALL BUSINESS OWNER.

What if your business property was damaged or destroyed?
Business Property Coverage,can repair or replace your property.

What if the power goes out and your perishable stock is destroyed?
Food Spoilage Coverage,which protects against loss to food or other perishable stock if your equipment breaks down or the power goes out and causes a change in temperature.

What if a storm knocked out your phone system, forcing you to stop taking orders for a week?
Equipment Breakdown Coverage, which can pay to repair or replace damaged equipment, like phone systems and air conditioners?

What if a fire forced you to temporarily stop filling orders?
Business Income Coverage, which can reimburse you for your actual loss of income following an insured loss.

What if a vendor slips and gets injured while on your premises?
Premises Liability Coverage, which protects you if someone is injured at your location.

What if your electricity goes out for three days and you can’t process orders?
Off-Premises Utility Services Coverage, which covers property and/or income losses caused by an interruption in your water, communication or power supply services.

What if you cause a fire that damages the space you rent?
Fire Legal Liability Coverage, to pay damages for which you may be held liable.

What if something happens to your delivery in transit?
Transit Coverage, which protects your shipments made by a common carrier or other type of transportation.

What if one of your employees is injured on the job?
Workers' Compensation Coverage, which pays for the medical care and lost wages of employees who are injured while on the job or become ill because of a work-related disease. Can also pay for your legal services related to a workers’ compensation or employers' liability claim.

What if your employees steal money or computers from your business?
Employee Dishonesty Coverage, which protects you if the dishonest acts of employees cost you money or property.

The above description outlines general terms of coverages that may be afforded under a small business-owners policy (BOP.) All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All coverages described in this document may be offered by one or more of the property and casualty insurance companies we respresent.