Building and Structures – covers materials, equipment, supplies, additions, and new construction within 1,000 feet of premises.
Appurtenant Structures included with building limit, 10% of building limit. Max $25,000.
Business Income and Extra Expense – 12 months’ actual loss sustained; no waiting period; may be excluded for premium credit.
Newly Acquired or Constructed Buildings – $500,000 with 180 days to report; no percentage limitation.
Business Crime - Choose our enhanced program for janitorial services and we’ll protect you against losses resulting from employee dishonesty or forgeries. We’ll also provide coverage for your money and securities on-premises and in-transit.
EDP Equipment Coverage – a base level of protection is built into the policy and includes the option to increase the level or to schedule high value items.
Glass Breakage – full coverage; limited coverage ($500 pane/$1,000 occurrence) available for premium credit; property deductible can be eliminated as an option.
Accounts Receivable Coverage – protects you from losses caused by damage to your records which prevents you from collecting money owed you by customers.
Outdoor Property – covers fences and walls up to $2,500, may be increased up to $250,000; signs up to $5,000, may be increased up to $100,000; trees, shrubs, plants, and lawns up to $10,000, $1,000 per item sub-limit.
Back-up of Sewers and Drains – covered; may be excluded for premium credit.
Tools & Equipment Coverage – protects you against a loss concerning owned, borrowed, rented, or leased tools and equipment.
Business Liability - In addition to the typical enhancements our comprehensive liability policy offers over the industry standard, we’ve further enhanced our program for janitorial services. At no additional cost to you, our Janitors General Liability policy includes some unique coverage essential to those in your industry. If your business is held legally liable for damage to your client's property, this policy will pay up to the full limit of the policy…without a deductible. Included in our general liability policy is coverage for claims arising from the products you sell or the services you complete. Our liability insurance protects you if you are responsible for damage to the property of others. We extend this coverage to include borrowed equipment that’s damaged at your job site while it is not being used.
Leased Building PD Damage - $25,000 motor vehicle damage to leased buildings
Fire Legal Liability - $300,000 for leased premises
Additional Insureds - If a written contract requires you to name someone else as an additional insured on your policy, we’ll automatically extend that status to them. We will also provide them with primary coverage if they require it of you.
Optional Coverage
* Automobile
* Boiler & Machinery
* Surety Bonds
* Directors and Officers – for damages resulting from "wrongful acts" and reimbursement of loss and claims expenses.
* Additional Insureds
* Umbrella Policy
Workers Compensation
Flexible Billing: We offer several billing options to make it easier on your budget.
* Lump Sum: 25% down and receive a bill for the remaining balance in a month. We'll send you one bill upon renewal.
* Semi-annual Payment: 50% down payment and 50% in six months.
* Four Payment: 25% down and receive up to three installment bills.
* Ten Payment: 25% down and pay premium by the end of the tenth month, with the remaining premium spread throughout the nine monthly bills.
* Direct Bill Toll Free Hotline
Claims Service: 24 hours, 7 days a week toll-free Claim Action Hotline puts you in immediate contact with a claim service representative, enabling you to report claims quickly and efficiently. Prompt reporting helps mitigate the risk of injury or damage and expedites claim handling.
Product eligibility:
Up to $15,000,000 combined building and personal property values.
Up to $15,000,000 receipts per location.
Service Building owners (lessors risk) may be covered under this program when a minimum of 70% of the building area is occupied by one or more eligible service tenants.
