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Our Available Coverages

We offer superior service to our partner brokers and agents while providing a quality insurance solution to those preferred customers who qualify for our product guidelines.

Report A Businessowners Claim
Pay Your Businessowners Invoice

Micro-Businessowners

  • Home-based and shared space businesses
  • Business Personal Property limit between $2,500 to $25,000
  • Revenue up to $500,000

Businessowners

  • Up to 10 locations
  • Revenue up to $15M
  • Total property limit up to $15M

ISO Forms

  • Retail or Service Endorsements for micro-BOP
  • Hired & Non-Owned Auto Liability for BOP
  • Employee Benefits Liability
  • Professional Liability Coverages
    • Beauticians
    • Barber and Hair Salon
    • Funeral Directors
    • Optical and Hearing Aid
    • Veterinarian
    • Printers E&O

Proprietary Forms

  • Computer system includes telephone system, data storage devices, networking equipment
  • Technology incident means error, act or omission, actual or allegedly made, by any Insured
    • Rendering or failure to render Technology Service to others, or
    • Failure of Technology Products to perform the function or serve the purpose intended
  • Automatic Extended Reporting Period – 12 consecutive months

  • 45 Increased Limits of Insurance including
    • Accounts Receivable and Valuable Papers
    • Employee Theft (including ERISA)
    • Newly Acquired Property

  • Additional Insured status built into form
  • Damage to Premises Rented to You increased limit – $1,000,000
  • Medical Expense increased limit – $10,000
  • Primary & Non-Contributory
  • Waiver of Subrogation required by contract

  • First party coverages – Privacy Breach expenses, Extortion, Funds Transfer Fraud
  • Third party coverages – Media, Network Security, Data Compromise
  • Duty to Defend

  • Expenses and Business Interruption
  • Crisis Management Services
  • Education Portal & Risk Management
  • No limitation on type of weapon

  • Duty to Defend
  • Discrimination based on age, gender, race, color, national origin, religion, sexual orientation or preference, pregnancy or disability
  • Libel, slander, humiliation, mental anguish
  • Harassment or coercion

  • Mechanical breakdown
  • Electrical or electronic breakdown
  • Artificially generated electrical current, including electrical arcing
  • Spoilage of “perishable goods” resulting from lack of power, light, heat … caused by Equipment Breakdown

Coverage Territory

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