Commercial
Protection Plan

Your Most Insurance Agent can help in developing a Business Protection Plan that will pay you for the actual loss of net income and continuing operating expenses resulting from a covered loss. Our products and coverage can be tailored to meet your business insurance needs.

Business Coverage (Auto)

• Bodily Injury Liability
• Property Damage Liability
• Medical Payments
• Uninsured/Underinsured Motorist Coverage
• Hired and Non-owned Liability
• Personal Injury Protection
• Comprehensive
• Collision
• Towing and Labor

Business Coverage Crime
Crime Coverages You May Choose:

• Employee Dishonesty
• Forgery and Alteration
• Premises Burglary
• Robbery and Safe Burglary
• Computer Fraud
• Theft, Disappearance, and Destruction
• Premises Theft and Outside Robbery
• Liability for Guests' Property (Safe Deposit Box)
• Liability for Guests' Property (Premises)

Business Coverage General Liability

• Premises and Operations Liability
• Products and Completed Operations Liability
• Personal and Advertising Injury
• Fire Damage Legal Liability
• Medical Payments Liability
• Host Liquor
• Liability

Business Coverage Inland Marine

• Accounts Receivable
• Valuable Papers and Records
• Computer Equipment and Software
• Contractors' Equipment
• Installation Floater
• Signs
• Farm Machinery
• Livestock
• Photographic Equipment
• Physicians and Dentist
• Equipment

Business Coverage Professional Liability

• Cosmetologists and Barbers
• Morticians
• Optometrists
• Opticians
• Veterinarians
• Printers' Errors and Omissions
• Pharmacists

Business Coverage Property

• Building
• Personal Property
• Property of Others
• Business Income
• Extra Expense
• Systems Protector (Equipment Breakdown)
• Peak Season
• Inflation Guard
• Glass
• Property in the Open
• Outdoor Property including fences, trees, shrubs
• Ordinance or Law Coverage
• Spoilage

Business Coverage Umbrella

• Commercial Umbrella
• Fast Food Umbrella
• Farm-Personal Umbrella
• Business Owners' Umbrella
• Special Business Owners' Umbrella
• Business Owners' Personal Umbrella

Business Coverage Workers' Compensation

• The Workers' Compensation Section under which the insurer agrees to pay those benefits required by the Workers' Compensation law or laws of the states(s) listed in the policy.
• The Employers Liability section may protect you against liability to employees injured in the course of employment that is not compensable under the Workers' Compensation Section.
• The Other States Insurance Section may provide Workers' Compensation and Employers Liability in states where you have or anticipate incidental exposures.

Business Property
Our business insurance property coverages include:

• Fire and Lightning
• Windstorm and Hail
• Explosion
• Sprinkler Leakage
• Vandalism and Malicious Mischief
• Smoke