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Business Owners



Our Business Owners program is designed for small to medium business and covers items such as your Building, your Business Personal Property, Loss of Income, Liability and Medical Payments.

The types of business that may be eligible for our program include:

  • Apartments
  • Offices
  • Churches
  • Hotels / Motels
  • Service
  • Mercantile

Examples of Service and Mercantile occupancies include:

  • Antique Stores
  • Bakeries
  • Barber / Beauty Shops
  • Delicatessens
  • Pizza Shops
  • Restaurants

 Important optional endorsements that are available include:

  • Accounts Receivable
  • Building Inflation Protection
  • Burglary & Robbery Coverage
  • Earthquake Coverage
  • Employee Dishonesty
  • Exterior Signs
  • Mechanical Breakdown
  • Money & Securities
  • Tenants Improvements and Betterments
  • Valuable Papers & Records
  • Glass Coverage

We offer Standard and Deluxe policy options. The Deluxe option is the most utilized as it packages some frequently requested and desired coverage into the base policy.  Liability limits are available up to $1,000,000 per occurrence / $3,000,000 aggregate. Higher limits are available with prior approval, talk to your agent today.