Coverage Descriptions:

Property Coverage

Provides coverage for direct physical loss or damage to the store or its contents. In addition, the policy covers Equipment Breakdown Coverage (refrigeration units), Property in Transit, Business Personal Property of Others, Property Off Premises, Accounts Receivable and Valuable Papers. Optional coverages include: Employee Dishonesty, Money and Securities, Glass, and Computer. Apply for coverage now!

General Liability

This coverage provides various limits of liability for the store owners, and its employees. Coverage includes bodily injury and property damage, personal and advertising injury as well as miscellaneous medical payments to others. Apply for coverage now!

Workers' Compensation

Provides coverage for employees and owners in certain states for on-the-job injuries. This coverage applies regardless of fault and is written to follow individual state laws. Coverage is provided for medical expenses and lost wages. There are five states which are known as monopolistic states. These states are North Dakota, West Virginia, Ohio, Washington, and Wyoming. If you reside in these states, you must purchase your workers' compensation through the state. Apply for coverage now!

Business Auto

Liability and physical damage coverage is provided for business autos. Various limits for liability coverage and deductible levels on physical damage are available. Apply for coverage now!

Umbrella Liability

Excess liability coverage above the basic liability limits to cover large claims that exhaust the underlying liability limits. Limits up to $3,000,000 can be purchased. Apply for coverage now!

Health and Benefits Insurance

Comprehensive health insurance plans for individuals and families. With a host of plan options to fit your specific needs, these products offer the level of coverage that can help protect your most important asset; your health.