Our Retail Businessowners program is available for over 100 types of mercantile businesses. This product is written on a Businessowners Policy Form with low minimum premiums.
Coverage Features:
- Businessowners Policy Form
- General Liability that expands the definition of Bodily Injury to include Mental Anguish and Emotional Distress with no deductible
- Monoline General Liability Coverage available
- Non-Owned & Hired Auto Liability coverage available
- No Coinsurance Clause on the property coverage
- Loss of Income on an Actual Loss Sustained basis
- Equipment Breakdown Coverage Available
- Value Plus Endorsement available with 13 valuable coverage enhancements
Eligible Classes include:
- Appliance stores
- Artist Supplies
- Automobile Parts
- Bakeries
- Beauty Parlors
- Beverage stores
- Books & Magazines
- Bridal shops
- Camera Equipment
- Candy stores
- Cards & Stationary
- Carpet stores
- Ceramic stores
- Clothing stores
- Computer stores
- Copying & Duplicating
- Craft Supply stores
- Delicatessens
- Department stores
- Discount stores
- Electronic stores
Please Note: coverages may vary according to class of risk and market conditions
- Fabric stores
- Florists
- Fruits & Vegetables
- Furniture stores
- Gift stores
- Grocery stores
- Hardware stores
- Ice Cream parlors
- Lighting stores
- Meat, Fish and Poultry
- Music stores
- Nail Salons
- Optical Goods
- Picture Frame stores
- Printing shops
- Shoe Repair
- Sporting Goods
- Tailor shops
- Variety stores
- Video stores
Don't forget to quote Worker's Compensation for this risk!