Coverages Available Include:

Property Coverage
Property coverage for direct physical loss or damage to the store or its contents. In addition, the policy covers Equipment Breakdown Coverage, Property in Transit, Business Personal Property of Others, PropertyOff Premises, Accounts Receivable and Valuable Papers. Optional coverages include: Employee Dishonesty, Money and Securities, Glass and Computer.

General Liability
This coverage provides various limits of liability for the store owners, and its employees. Coverage includes bodily injury and property damage, personal and advertising injury as well as miscellaneous medical payments to others.

Business Auto
Liability and physical damage coverage is provided for business autos. Various limits for liability coverage and deductible levels on physical damage are available.

Workers' Compensation
Provides coverage for employees and owners in certain states for on-the-job injuries. This coverage applies regardless of fault and is written to follow individual state laws. Coverage is provided for medical expenses and lost wages. There are five states which are known as monopolistic states. These states are North Dakota, West Virginia, Ohio, Washington, and Wyoming. If you reside in these states, you must purchase your workers' compensation through the state.

Major Medical Health Insurance
Comprehensive major medical options are availble for business owners, employees or both. Choose from group plans or individual plans available for all employees on a totally voluntary basis.

Excess liability coverage above the basic liability limits to cover large claims that exhaust the underlying liability limits. Limits up to $5,000,000 can be purchased.

The coverage descriptions are not complete descriptions of all terms, exclusions and conditions in the policy.


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