Retail Commercial Insurance Coverage to Safeguard Your Business

The Business owners Policy is specifically designed to cover Retail Operations. This Policy works as hard as you do. Our retail BOPs can cover your business in a variety of ways:

• “Special Cause of Loss Coverage” on your building and contents. That means the policy insures risks of direct physical loss to covered property, except for causes of loss listed in the exclusions.
• Business Income and Extra Expense Protection for your actual loss when your business is interrupted due to a covered claim (up to 12 months).
• Theft of Money Coverage up to $10,000 on premises and $2,500 off premises (can be increased).
• Employee Dishonesty Protection up to $10,000 (can be increased).
• Accounts Receivable and Valuable Papers Coverage up to $25,000 (can be increased).
• Loss of your Computer System up to a total of $10,000 (can be increased).
• Peak Season Coverage AUTOMATICALLY increases your contents coverage up to an additional 25% during peak sales periods.
• Business Liability Coverage of $500,000 or $1,000,000 per occurrence and higher limits are available.
• Prepare For That Rainy Day
• Umbrella Liability Coverage can be easily added to your Business Owners Policy. An umbrella covers unforeseen catastrophic losses. In today’s legal environment, having an umbrella policy makes good business sense.
• Equipment Breakdown Coverage - If your retail operation depends on specialized equipment, you can add equipment breakdown coverage which protects you against situations like explosion and accidental mechanical breakdown of equipment like boilers, air conditioning units or built-in refrigeration.

Also, consider these options your coverage can be extended to include:

• Water backup of sewers or drains (flood protection is available for offices)
• Employee Benefit Liability
• Earthquake protection for your building and contents
• Your Insurance Rates Won’t Go Up For Three or Even Five Full Years**
• We have companies that do what many companies refuse to do . . . offer three-year, even five-year rate guarantees. This rate stability allows you to budget your insurance expenses. Talk with our agency to find out more about our BOP policy.
• This is not a policy. For a complete statement of your coverage and exclusions, please see your policy contract.
  Contact us and we will be happy to prepare a quote for your retail operation.