Business Insurance

For only $50 annually, you can have broader coverage for the electrical and mechanical equipment in your business.

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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.

Offered Coverages:

  • Building
  • Business personal property
  • Business interruption - covers your lost income due to damage caused by a covered loss to covered property
  • Liability provides protection to you for covered lawsuits arising out of the premises, your products and operations

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.

Additional coverage options:

  • Money and securities - theft coverage for the cash and checks you have received, while at your location or off premises
  • Spoilage - coverage for perishable items
  • Cyber Liability - this optional coverage protects your business against losses from Third Party Cyber Liability, Regulatory Proceeding, First Party Privacy Breach Expense, and First Party Business Interruption
The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

Equipment Breakdown Coverage

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. For more information on this coverage in an interactive format, visit our Equipment Breakdown microsite.

What does this coverage cost? $50 annually for our Commercial policies

Covered Items

  • Telephones
  • Electrical Systems
  • Computers
  • Copiers
  • Production Equipment
  • Boilers
  • Fired Water Heaters
  • Refrigeration Units
  • Compressors
  • Pumps
  • Gears & Gear Sets
  • Engines
  • Motors
  • Generators
  • Transformers
  • Switchboards
Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.
Have a question? Ask Us or Find an Agent