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.


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


  • 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


  • 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


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”.