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Business
Sure-All Programs
Where We Mean Business!
Small
businesses have changed. Once they were found just on Main
Street. Today, its common to find small businesses everywhere
including in the home.
We
provide a variety of expanded insurance coverages, more optional
and endorsement coverage, plus exclusive coverages for your
small business.
Your
business qualifies if
It is an apartment building,
wholesale, mercantile, service or processing business.
Your office building does not
exceed six stories or 30,000 square feet in total floor area.
Your gross annual sales dont
exceed $4,000,000.
In a restaurant, alcoholic
beverages are less than 25% of gross annual sales.
No bar or cocktail lounge on
premises.
Your restaurant exposure is either
limited cooking or fast food.
Cooking facilities have an
automatic extinguishing system and you properly maintain such
a system.
Your wholesale business has less
than 25% in retail sales and space open to the general public.
Property
Coverages
Buildings
at Replacement Cost
Completed additions
Fixtures, including outdoor fixtures
Exterior glass
Permanently installed machinery and
equipment
Your personal property used to
maintain or service the buildings, including fire extinguishing
equipment, outdoor furniture, floor coverings, appliances, (and
if not covered elsewhere) additions and alterations under
construction
Materials and equipment within 100
feet of the building used for making additions and alterations
Business
Personal Property
Property you own and use in your
business,
Personal effects $2,500
Personal Property Off Premises
$5,000
Property of others in your care,
custody and control,
Tenants improvements and
betterments,
Leased personal property for which
you are responsible.
Equipment
Breakdown Coverage*
The more your business depends on
equipment, the more you need Equipment Breakdown coverage.
Your policy automatically provides
coverage for damage caused by such things as electrical arcing,
mechanical breakdown, power surges, short circuits and more!
Protect the following areas of your
business:
Heating and air conditioning
Refrigeration
Phones
Electrical
Security
Computers
Electronic equipment
This unique coverage extends your
Business Income Coverage to provide for loss of income and extra
expenses caused by equipment breakdown.
* This is an optional coverage in
Illinois.
Additional
Coverages
Debris Removal $10,000
Fire Department Service Charge
$2,500
Collapse
Water Back Up $2,500
Business Income, Extended Business
Income, and Extra Expense
Pollutant Clean Up and Removal,
resulting from a Covered Cause of Loss $10,000
Coverage
Extensions
Outdoor Property $5,000/$750 per
plant, tree, shrub
Valuable Papers and Records
$10,000 on premises; $5,000 off premises *
Accounts Receivable $10,000 on
premises; $5,000 off premises *
Newly
Acquired or Constructed Property
Up to $200,000 per building
Up to $150,000 each location for
newly acquired Business Personal Property
Up to 60-day extension for
reporting each newly acquired premises or newly constructed
property
Unique
Property Coverages
All Outdoor Signs replacement
cost
Fire Extinguisher Recharge
$1,000
Interior Glass Replacement
Cost
Inflation Guard 2% Annually*
Crime
Coverages
Burglary and Robbery (standard
form only)
Money and Securities $5,000 on
premises, $2,000 off premises * (special form only)
*Higher Limits/Percentages are
available at an additional premium charge.
Liability
Coverages
Premises/Operations Coverage
Products/Completed Operations
Coverage
Contractual Liability Coverage
Fire Legal Liability Coverage
Medical Expense
Automatic 90-Day Coverage On Newly
Acquired Organizations
Personal Injury and Advertising
Injury Liability
Broad Form Property Damage
Employees and Officers As Insured
Persons
World-Wide Products Liability
Incidental Medical Malpractice For
Named Insured
Employee Bodily Injury to a
Co-Employee
Defense Costs
Optional
Liability Coverages
Liquor Liability
Employee Benefit Liability
Professional Liability (barbers
and beauticians, funeral directors, optical and hearing aid
establishments, printers errors and omissions and
veterinarians)
Other
Policies Available
Automobile Commercial or
Personal
Commercial Excess
Workers Compensation
Employers Liability (Stop Gap)
in North Dakota
Options
Through Big M Agency
The Business Sure-All Program provides
access to unusual coverages not normally available. Coverages
like:
Bonds
ERISA (Welfare and Pension Plan
Compliance)
So
if your current insurance plan doesnt offer these coverages
fire it! Hire the new Business Sure-All Program.
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