Coverage for your office and retail location.

Businessowner’s policies is designed to provide affordable quality protection for retail businesses and offices with special optional coverages to address your unique needs.

Property Protection

Businessowner policies include coverage for your buildings, permanently installed equipment, business personal property (including computer systems), electronic files and other records, as well as tenant improvements(your interests in inmprovments)

Additional Coverages may include:

o   Accounts Receivable

o   Money and Securities

o   Forgery or Alterations

o   Debris Removal

o   Outdoor Property, including signs

o   Newly Acquired Property

o   Property in Transit or Temporarily Off Premises

o   Valuable Papers and Records (cost of research), including electronic or magnetic media

o   Property of Others while in your care, custody or control

Liability Protection

Liability coverage is valuable protection in the event you are liable in a negligent act in association with your business.

The following items may be included:

o   Premises and Operations

o   Hired & Non-owned Auto

o   Products/Completed Operations

o   Personal Injury

o   Advertising Injury

o   Fire Legal Liability

o   Medical Expense

Loss of Income

If your business is interrupted by an insured peril, Loss of income benefit can make sure you have the income to continue while recovering from the loss. It could also pay for certain extra expenses needed to resume normal business operations.

Other Features:

o   Replacement Cost Coverage. Pays the cost of replacing your buildings or business personal property with materials of like kind and quality at current prices. Coverage on an actual cash value basis is optional.

o   Equipment Breakdown Coverage. Covers physical and financial damage from an insured equipment failure. Coverage for many types of equipment including: electrical distribution systems, HVAC, telephone and electronic systems and equipment.

o   Automatic Increase in Insurance. Prevents inflation from devaluing your insurance protection by automatically increasing the amount of coverage on your buildings each year. A choice of percentages is available on an optional basis.

o   Peak Season Coverage. Increases your limit for business personal property automatically - a valuable feature if your inventory fluctuates seasonally.

o   Deductible Options. Allows you to choose a higher deductible to save premium.


Optional Coverages

o   Utility Services - Direct Damage

o   Employee Dishonesty

o   Employee Benefits Liability

o   Outdoor Signs in higher

o   Accounts Receivable in higher limits

o   Valuable Papers & Records in higher limits

o   Earthquake

o   Spoilage Coverage


Contact Hometown Insurance Agency Today!