Retail Business Insurance

Building Coverage

Protects your building and on-site structures, machinery, equipment, floor coverings, outdoor furniture, garages, fences and additions under construction.

Optional Coverage Increase Available For: Other appurtenant building structures on premises, lobby and hallway furnishings, walkways, patios and signs, fences, exterior and interior building glass.

Business personal property

Protects business personal property, such as furniture, fixtures, machinery or personal property of others that is in your care.

Property off premises

Coverage for property while off premises such as equipment to deliver goods.

Business Auto

Covers damage to your vehicle(s), damage to the property of others and injury to those involved in an accident.

Property in transit

Covers damage to property while in transit. For example, delivery of computer equipment gets damaged in accident.

Accounting Restoration

Covers the increased costs of collecting accounts, re-establishing the accounts receivable records and any amounts uncollected as a result of the destruction of accounts receivable records.

Business Income coverage

Covers cost to continue operations while repairing damage to reopen business. Includes coverage for extra expense in doing so.

Business Income from Dependent Properties Coverage

Provides business income Coverage when a supplier or an anchor store you depend on to operate your business suffers a loss of its own, forcing you to close temporarily until you find an alternate supplier or they reopen.

Money and securities

Protection for the theft, disappearance or destruction of your money.

Money orders & counterfeit paper currency

Protection against loss due to counterfeit paper or forged / false money orders

Personal and Advertising Injury Coverage

Insures against injury, including consequential bodily injury arising from oral or written publication of material that slanders or libels a person’s or organization’s goods, products or services, the use of another’s advertising idea or infringing on another’s copyright, trade dress or slogan in your advertisement.

Employee dishonesty

Protects the loss of money, securities and property from the fraudulent act of an employee.

Non-Owned Auto coverage

Provides coverage for your employee's auto while the employee is using their personal auto in your business. or power outage.

Equipment Breakdown

Coverage for damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage

General Liability

Covers medical expenses, attorney fees and damages when you’re legally responsible.

Medical Payments

Covers medical bills of people injured on your property or as result of your operations. Unlike other liability coverage's this one pays out immediately and without determination of fault.

Workers Compensation

Covers medical cost for an injured employee. Also may pay out partial lost wages if injury causes employee to take time from work.