Store Owner's Insurance

How you will replace lost income if your store is closed due to a fire or other loss?  Lost income has the potential to shutter your business for good.  What about smaller – but common – obstacles, such as computer system breakdowns, or even theft?  You can’t afford to lose your business . . . you need the right risk management plan to guard against these potential threats to your livelihood.

For store owners, our Businessowners Policy (BOP) is a package designed to meet your property and liability insurance needs in one policy.

In addition to property and liability, you can add a number of additional coverages based on the needs of your store.  Your independent agent will work with you to determine what you need to have on your policy.

• Buildings

• Property used in your business

• Income lost as a result of damage to your business or the inability to conduct business due to a loss elsewhere

• Extra expenses incurred as a result of a loss

• Coverage for locations or property you acquire for your business

• Exterior and interior glass

• Debris removal  

For those times when you want a little additional security, we’ve got you covered with a variety of optional coverages.

• Equipment breakdown

• Earthquake

• Utility services

• Fine arts

• Scheduled property – for specific valuable items 

• Tools

• Commercial articles

• Computer fraud and funds transfer fraud

Expand on the property coverage included: 

You can add extra protection for certain types of losses that may have limited or no coverage in the standard property and liability coverages:

• Money and securities

• Forgery and alteration

• Fine arts

• Employee dishonesty

• Accounts receivable

• Valuable papers and records

• Ordinance or law coverage

• Computer and software coverage including mechanical breakdown

• Arson reward

• Credit card invoices

• Fire department service charge

• Fire extinguisher recharge expense

• Lock replacement

• Loss of food in refrigerator or freezer

• Off premises power interruption

• Outdoor property

• Signs

• Personal effects and personal property off premises

• Property in transit

• Vacancy condition amended from 70 percent to 90 percent

• Business income from dependent properties

For those times when you want a little additional security, we’ve got you covered with a variety of optional coverages.

• Professional liability - barber or beauty shops, morticians, optometrists, and opticians

• Auto liability for autos you hire or rent, or other autos you do not own

• Employee dishonesty

• Bailee coverage

• Electronic data liability

• Employment-related practice

For more information on our BOP product, download our BOP brochure (PDF).