Our Business Owners Insurance Policy

Business Owners Insurance Policy

Our Agency offers the industries superior and leading product. Our policies go above and beyond the standard. Don’t “cut corners” on your insurance policy. Get a Superior insurance policy at our agency, all at great prices. Work one on one with a licensed experienced agent, that understands insurance. He/she will counsel you into a policy that best fits your business.

Please take a look below, at our business owner policy. Disclaimer:  Not all businesses and risks will qualify for this program. Business Owners Policies can vary company to company. Please talk to an agent for details.

Property

Policy deductible applies to all the coverages below. We offer deductibles at 250, 500, 1000, 2500, 5000, 10,000 and 25,000 thousand dollars.

  • Business Income & Extra Expense 12 Months Actual Loss Sustained
  • Business Income & Extra Expense Dependent Property $10,000 Limit
  • Business Income & Extra expense Newly acquired property $250,000
  • Employee Dishonesty & Forgery $25,000
  • Expediting Expenses $25,000
  • identity Theft/Recovery services $25,000
  • Terrorism Insurance

The Following Coverages Apply At Each Location

Coverage

  • Appurtenant Buildings & Structures $50,000
  • Arson & Theft Reward $5,000
  • Civil Authority 4 Weeks & 24 Hours
  • Claim Data Expense $5,000
  • Fire Department Service Charge $25,000
  • Fire Equipment Discharge $10,000
  • Newly acquired Or Constructed Business Personal Property $250,000
  • Newly acquired Or Constructed Building $1,000,000
  • Non Owned Detached Trailers $5,000
  • Outdoor Property $10,000
  • Personal Effects $25,000
  • Personal Property Of Others (included in (BPP) Business Personal Property Coverage Amount Desired)
  • Pollutant Clean Up And Removal $25,000 Maximum Annually
  • Preservation Of Property BPP Included Limit 90 Days
  • Signs Included
  • Spoilage Coverage Included In BPP (Business Personal Property)
  • Temporary Location Of Business Property $50,000 up to 30 days
  • Glass Coverage
  • Theft Damage To Rented Property Included in BPP

Coverage

  • Inflation Guard
  • Business Personal Property(BPP) Including Inventory
  • Seasonal Increase 25%
  • Building And Structure Coverage
  • Business Personal property Off Premises $250,000
  • Debris Removal 25% + $25,000
  • Money & Securities included in BPP
  • Money Orders & Counterfeit Paper Included in BPP
  • Outdoor Trees & Other Plants $3,000
  • Equipment Break Down $250,000
  • Ordinance Of Law & Demolition $25,000
  • Accounts receivable $25,000
  • Electronic Data Processing including In Transit $25,000
  • Sewer & Drain Backup $25,000
  • Fine Arts $25,000
  • Targeted Hacker Attack $25,000

Liability

General Liability

  • Each Occurrence Up To $2,000,000
  • Personal & Advertising Injury Up Tp $2,000,000
  • Products Completed Operations Up To $4,000,000
  • General Aggregate Up To $4,000,000
  • Damage To Premises Rented To You $300,000
  • Medical Payments $10,000
  • Employment Practices Fiduciary $10,000

Additional Blanket Insured Included (Excluding Contractors)

Optional Coverages

  • Commercial Auto Insurance
  • Excess Liability Insurance
  • Workman’s Compensation
  • Cyber Liability Insurance
  • Liquor Liability
  • and more!

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

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Food And Beverage Shop Insurance | Get A Free Business Insurance Quote

Food & Beverage Shop Insurance Program

As a small business owner, you stride to meet the demands of your customers and their taste buds everyday. Whether this is coffee, a sandwich, a muffin or more you commit to deliver the best product and service. At our agency we understand how important insurance is to a small business owner, and we stride to deliver an excellent product along with great service. What if your business burnt to the ground tomorrow? What if you got sued for a slip and fall? Does your insurance cover this? At our agency our licensed experienced agents help answer these questions, so small business owners can sleep well at night.

Operations We Insure

We offer insurance products, for all food and beverage shop needs. Please see our list, for details below.

  • Bagel Shops
  • Bakeries
  • Beverage Stores
  • Butcher Shops
  • Candy & Nut Stores
  • Coffee & Tea Shops
  • Cheese Shops
  • Delicatessens (Deli’s)
  • Donut Shops
  • Fruit & Vegetable Stores
  • Gourmet Food Stores
  • Health Food Stores
  • Ice Cream Shops
  • Juice Bars
  • Liquor Stores
  • Meat, Poultry, Fish Stores
  • Pizza Stores
  • Pretzel Shops
  • Produce Markets
  • Yogurt Stores
  • Wine Shops
  • and more!

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Product Liability
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • Accounts Receivable
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Liquor Store Insurance | Get A Free Business Insurance Quote

Liquor & Wine Store Insurance Program

As a business owner, we understand that you are in a competitive business. You constantly stride to meet customers needs in inventory and service. You know if you don’t take care of the customer, someone else will. We believe the same thing out our agency, as a matter of fact we believe in “good old customer service”.

If you are in the business of selling liquor or wine, we have offer a comprehensive insurance policy for your business. This can be any where from the small “mom & pop shops” to mid and large-sized operations. Our agents take time to put together comprehensive insurance policies, that fits the business needs. What if you were to get sued for a slip and fall? Do you have the right coverage? Our agents help answer these questions.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Product Liability
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • Accounts Receivable
  • Liquor Liability
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Grocery Store Insurance | Convenience Store Insurance

If you are one of many business owners of a small to mid-sized grocery or convenience store, you understand your customers needs. Every business is unique to the consumer it serves. We understand a policy should be unique for the business it insures. We have an insurance product to accommodate all of these needs. We know that the last thing a business owner needs to worry about is if their insurance policy is adequate in the event of a fire, or slip and fall incident.

At our National Independent Insurance Agency, we will take the time, to work with a business to accommodate its needs. Our agents are fully licensed and knowledgeable to create a comprehensive policy that is best for the client.

Our Business Owners Policy

Our policies are superior in industry standard. We believe cutting corners on an insurance policy, could potentially hurt a business owner if a claim were to occur. We provide superior coverage, all at a competitive rate. Here is a basic break down of coverages we offer.

  • General Liability
  • Building
  • Business Property and Inventory
  • Crime Coverage
  • Employee Dishonesty
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Equipment Break Down
  • Outdoor Signs
  • Liquor Liability
  • Gas Pump Station Coverage
  • Food Spoilage
  • Accounts Receivable
  • Newly Acquired Building
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Get A Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Computer Store Insurance | Computer Service And Repair Insurance

Your customers count on you for the latest and greatest technology. They might also depend on you for computer repair and service. Technology is your passion along with your customers. That’s why we believe having the most up to date insurance policy is always going to be best for your needs.

What if you had a big theft loss of inventory, do you have enough coverage? What if a customer slips and falls, does your policy have the essentials? These are questions we help business owners answer.

Policies Fixed For Superior Coverage

Our insurance policies are written as a “BOP” or business owner policy. This coverage includes more than just the basics that are in a standard insurance policy.

We Can Insure All Computer Store Operations

If your selling new & used laptop/desktop computers and related items including software, printers, paper, blank CDs, ink, servicing and repair, we have a package that is perfect for your needs. We can insure all retail insurance risks, that involve computers.

We Customize Your Policy to Fit Your Business Needs

Operations can come in all sizes and shapes. We have all you needs covered. We will take time to tailor a policy that fits your needs the best. Here is an overview, of some of the coverages we offer.

  • General Liability
  • Building
  • Business Property and Inventory
  • Crime Coverage
  • Employee Dishonesty
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance

For more details on our Business Owners Policies, Please Click Here.

Get A Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Apparel & Clothing Store Insurance | Get A Free Insurance Quote

Fashion is a passion. Customers count on apparel stores to have the latest and greatest fashion. Business owners take time to figure out trends and what is best for their business.

That’s why we take time to figure out what policy will be best for the business. What if you were to have a fire that completely wiped out inventory? Or you had a slip and fall, do you have enough coverage? As an independent insurance agency with National Power, we can help you answer those questions.

At Colorado & Denver Insurance Services, we can insure a wide range of apparel stores. This includes your “mom & pop shops” to medium and large-sized operations. You will work one on one with an agent to find whats best for your needs.

Superior Coverage Offered

Our policies are usually written under a “BOP”, or a business owners policy. Not only does this include the basic coverages, but it also includes other coverage such as loss of income coverage, sewer back up, accounts receivable and more.

Operations We Can Insure

We offer apparel store insurance for all kinds of retail shops. We insure stores that sell hand bags, shoes, bridal gowns, tuxes(tuxedo’s), hats, infants and children’s clothing, uniforms, hosiery, watches, leather apparel and others types of apparel & clothing. If you don’t see your business here, we most likely, can still insure it.

We Customize Your Policy to Fit Your Business Needs

Operations can come in all sizes and shapes. We have all you needs covered. We will take time to tailor a policy that fits your needs the best. Here is an overview, of some of the coverages we offer.

  • General Liability
  • Building
  • Business Property and Inventory
  • Crime Coverage
  • Employee Dishonesty
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance

For more details on our Business Owners Policies, Please Click Here.

Get A Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

How Protect Your Business From Slip And Fall Lawsuits And Workman Comp Claims

Protecting a business from loss is one of the most important things that can be done. Not only that, but providing a safe environment for your customers, and employees is most important. Restaurants, retail & grocery stores, hotel, etc, the business could experience a lot of “foot traffic”. The business is designed around customers coming in, looking, feeling, touching, walking or whatever sense is used with the service. An indirect consequence, people tend to not pay attention to where they walk, or hazards can surface that are natural to daily operations. One of the big hazards are potential “slip and falls”. As a matter of fact “slip and fall” lawsuits have become very common.

Facts Pertaining To Slip & Fall Lawsuits In Retail Stores

  • Retail and super market stores spend annually almost a half billion dollars each year to defend slip and fall lawsuits.
  • Slip and falls annually are the number 1 most common injury in supermarkets for both customers and employees.
  • About 25,000 people a day are quote “victims” to slip and falls, and on average per hour slip and falls result in 3.5 million dollars in losses.
  • The average cost of a slip and fall exceeds $12,000 dollars.
  • The average cost to defend a slip and fall lawsuit exceeds $50,000.
  • Plaintiffs win 51% of all “slip and fall” lawsuits.

Facts Pertaining To Employee Slip And Falls

  • 65% of all employee lost work days due to injury are from slip and falls. This results in 95 million dollars of losses.
  • 22% percent of injuries that result in 31 or more lost work days, are due to slip and falls.
  • Compensation for employee slip and falls result in 70 billion dollars annually.
  • The food industries leading work injury is slip and fall.

Food Service Industry Facts

  • 57% of all general liability claims in the industry result from slip and falls.
  • Since 1980 personal injury lawsuits have increased 3 fold.
  • The average restaurant, hotel, etc have 3 to 9 slip and fall lawsuits per year.
  • Slip and falls are the number 1 accident in the industry.
  • 70% of slip and fall injuries are on a flat service.

How Do You Protect A Business From Slip and Fall Injuries?

  • Always keep a clear walking path for employees and customers. Make sure that aisle’s, hallways, or any areas that get foot traffic don’t have slipping or tripping hazards.
  • When there is a spill or wet are, clearly mark the are immediately, and clean it up if possible. Make sure the area is marked, right away. Timing can be very important.
  • Encourage customers if they see a spill to report it immediately.
  • Have a clear written procedure for what needs to be done, when a spill takes place.
  • If it’s snowing or raining, make sure to get out warning signs and put them in any areas that get foot traffic.
  • Make sure when it’s snowing to shovel all foot traffic areas outside, and lay down salt.
  • We also advise during the winter to put outdoor warning signs of any potential slipping hazards at entrances and exits.
  • Make sure foot traffic area’s are well lit.

What Businesses You Do After A Slip And Fall

Customer: Call 911 if the person has seriously been hurt. Do NOT let employees touch the customer or provide any medical attention. The business could be held liable from these actions if anything goes wrong. Instruct employees if they see anything to not admit or tell anything to the customer(s), or tell other employees. Instruct them not to talk about the incident with anyone except authorized personnel. Get a full written incident report. Save any video surveillance of the incident. File the claim with you insurance company. The insurance company will instruct what to do.

Employee: Call 911 if necessary. Employees need to report all incidents to management right away. File a claim with your workman’s comp insurance company. Have the employee fill out all necessary documentation including an incident report. Do a full investigation of how the employee got injured. Instruct the employee not to discuss the claim with anyone except authorized personnel and the insurance company.

 

All in all, slip and falls result in huge monetary claims each year. There is also a lot of fraud that occurs with these type of claims. All the costs of slip and fall lawsuits, are eventually passed on the consumer in one form or the other. It is best to try to keep these types losses down, by most of all using common sense.  If you have any questions, feel free to call or leave a comment. Remember we can write in 45 States in including home State, Colorado.

Sources: Light House Enterprises

Loss Of Business Income Insurance Coverage

In the event of a large loss, it is most likely a business will not be able to do daily operations. Sometimes a business is shut down due to a claim. This can be a couple of days, of even sometimes up to a year. Sometimes a loss can result from another loss. This is called an indirect loss. Such indirect loss could be losing business income from a big loss.  Since your business can no longer operate, it is only natural for this to happen.

What is business income loss insurance?

This coverage supplements your business income from an indirect loss, when a direct loss occurs and effects your revenue. This coverage is usually good for up to 12 months of lost income. Business income can be considered any type of revenue from daily operations. The insurance company has to indemnify all losses, but no profit can be gained from the insurance company. This unless it is apart of daily operations income.

Why is this so important to have on my insurance policy?

Incidents that result in business losses, can be unforeseen. If your operations are stopped due to an insurance loss, it is a must you  protect the businesses income. This simply can be done, by buying a business owners policy, that has loss of business income, included in it. Always make sure that this coverage is good for 1 full year.

Thrift Retail Store Insurance | Get A Free Business Insurance Quote

 Today with the economy being what it is, more and more people are turning to thrift stores to buy clothing and goods for their families.  Thrift stores are finding themselves to be very busy with walk-ins daily averaging much more than two years ago.  That is why having an excellent insurance policy is a must.

At our National Independent Insurance Agency, we will take the time, to work with a business to accommodate its needs. Our agents are fully licensed and knowledgeable to create a comprehensive policy that is best for the client.

Our Business Owners Policy

Our policies are superior in industry standard. We believe cutting corners on an insurance policy, could potentially hurt a business owner if a claim were to occur. We provide superior coverage, all at a competitive rate. Here is a basic break down of coverages we offer.

  • General Liability
  • Building
  • Business Property and Inventory
  • Crime Coverage
  • Employee Dishonesty
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Equipment Break Down
  • Outdoor Signs
  • Accounts Receivable
  • Newly Acquired Building
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.