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Insuring Business
**Stores, offices, etc.**
Business coverage can be designed to protect a wide range of needs, from a simple contents-only fire policy to a full Businessowners package policy with numerous endorsement additions and extensions of coverage. Consultation with a knowledgeable agent or broker is always a good first step in determining which coverages are essential to keep the business operating following a loss and which are desirable if the budget will allow.
Businessowners
- A Package Policy which includes both property and liability coverage for businesses
- Buildings and Contents coverage limits are specified separately and may have separate deductibles
- Perils coverage include Basic perils, Broad perils and Special perils
- Coverage may be provided on an Actual Cash Value & Replacement Cost basis.
- Equipment Breakdown, including Boiler and Machinery coverage and inspections, are included automatically. Click here for more information.
- Numerous extensions and endorsements can be added to customize coverage as needed
Major Classifications insured are:
- Mercantile buying and selling of goods all kinds of stores
- Service Laundries, Dry Cleaning, Clock Repair, Mini Storage Buildings (Private), etc.
- Apartment 5 to 30 unit apartment buildings
- Office Some coverages may be restricted for Doctor offices
**Loss of Income coverage is automatically provided based on a formula derived from the building and contents coverage limits**
Depending on the form Standard or Deluxe additional coverages are automatic or optional:
- Glass
- Inflation Guard
- Sprinkler Leakage
- Off-premises property while it is being repaired
- Seasonal Variation of contents coverage more coverage during a peak period
- Additional Expense
- Added Water Damage
- Valuable Papers and Records
- Accounts Receivable
- Employee Dishonesty
- Money and Securities
- Fire Legal Liability
- Personal Injury Protection Libel, Slander or Defamation of Character, False Arrest, etc.
- Business Owners Deluxe Options
**Numerous Inland Marine endorsements are avialable**
Standard Fire and Special Multi-Peril
- A Standard Fire policy gives almost total flexibility in crafting a policy for a particular need
- Property coverage may be Basic Perils, Broad Perils or Special Perils
- General Liability coverage may be added
- Inland Marine coverages may be added as well
- The property may be occupied by the owner or a tenant
- Buildings with different uses and classifications can be insured in one policy
Equipment Breakdown Coverage
- Equipment Breakdown Coverage is an automatic coverage on all commercial policies and is provided free of additional charge.
- Loss Reimbursement is funded and Boiler Inspection Services are provided by Mutual Boiler Re.
- If you have an "object" which requires annual inspection, you can save substantially with a Midstate Policy over a separate Boiler and Machinery Policy.
- Click here to view more information on this important coverage.