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• 财产 – Protect your business buildings(s) and other structures, 商业个人财产, and equipment from covered accidental direct physical loss.
• 责任 – 帮助s with financial protection against costly claims and lawsuits.
• 收入损失 – Protection in case your operations are suspended due to a covered loss.
• 应收账款 – May cover for loss of monies due to you that are uncollectable because of damage to accounts receivable records.
• 下水道和排水管的备用 – Protection for accidental direct physical loss to 商业个人财产 at your business location caused by a covered back up of sewers and drains inside your building.
• 电脑属性 – Protect computer equipment used in your business operation.
• 员工不诚实 – Protections against direct physical loss of 商业个人财产, 包括货币和证券, 由员工不诚实行为造成的.
• 设备故障 – Coverage for mechanical breakdown of covered equipment, 如制冷设备, 加热, 或者空调机组.
• 钱 & 证券 – Covers the loss of business money and securities caused by theft, 消失, 或者从描述的前提中破坏, 银行或储蓄机构, while being conveyed by a messenger or armored auto or within the residence of a messenger.
• 季节性增加 – Provides additional coverage on your 商业个人财产 in peak seasons.
• 迹象 – May cover accidental direct physical loss to signs attached to buildings (whether indoor or outdoor) and to outdoor signs not attached to buildings at the described premises owned by you or in your care, 监护权, 或控制.
• 公用事业中断 – Coverage for loss of income caused by the necessary suspension of your business due to failure of communications, 水, 天然气, 或者给房子供电.
• 珍贵文件及纪录 -支付研究费用, 取代, or restore the lost information on valuable papers and records caused by an insured loss.

定制你的覆盖范围

You may also consider adding any of these coverages to complement your policy:

• 数据泄露和身份恢复 – Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, 企业主, 成为身份盗窃的受害者.
• 聘请了汽车 – 帮助s to protect for insured's legal liability arising out of the maintenance or use of a hired auto by the insured or insured's employees.
• 条例或法律 – Covers the loss in value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss.
• 腐败 – Coverage for accidental direct physical loss to perishable goods caused by mechanical breakdown, 停电, 或制冷剂污染.

In addition to your business owners policy, let a local 州立农场代理 help you customize a plan for your business that can include a 业务策略, 工人的补偿, 商业生活 政策, 保证和保真债券, 退休计划.