We specialize in insuring small contractors, as well as a variety of retail, office, service, institutional and apartment risks. Coverage can be written for property and/or liability coverage, as well as for crime, glass, loss of income and a host of other products. From the Main Street store to rural risks, we can tailor a policy to protect what you have worked hard to build.
Not all coverages are available in every situation. Please see your agent for details. Your local knowledgeable agent will direct you to the policy that fits your needs. Find an agent.
Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that was previously excluded.
Typical loss for your business:
Imagine returning to your business after a long, hot weekend to discover that your A/C is not working. A repairman tells you a broken shaft in the compressor was the cause. The estimate to fix it is $7,000. Fortunately your business is covered by Equipment Breakdown coverage. (Policy deductible applies; minimum $500 per occurrence.)
Property Damage $ 7,000
Less Deductible $500
Amount Paid $ 6,500
Some restrictions and exclusions do apply. See policy for exact coverage description.
What does this coverage cost? $25 annually for our Commercial policies