Auto Service Garage
To ensure you’re covered, enhance our Commercial Package offering (including Liability, Property and Auto) with these unique coverages:
- Mechanic’s professional liability protects against faulty workmanship or a defective product on a customer’s vehicle.
- Business interruption covers your business in case it needs to close due to a covered claim.
- Money and securities protects the income of your business from theft and destruction.
- Employee tools and computer coverage protect your hard-earned company assets.
- Added property coverage for signs and fuel pumps extends your coverage to protect these investments.
- Liability and physical damage coverage for your tow trucks.
Contractor
To ensure you’re covered, enhance our Commercial Package offering (including Liability, Property and Auto) with these unique coverages:
- Tool and equipment coverage: Coverage for tools; equipment leased, rented or borrowed; building materials while at the job site, stored at a temporary location or in transit.
- Pollution and professional liability for damage or bodily injury caused by pollutants or damage caused by the contractor’s error or omission.
- Business income covers your company’s loss of income during a policy period due to a covered loss.
- Additional insured coverage provides additional insured status when required by contract, agreement or permit, which is typically required by contract to obtain a job.
Dealership
To ensure you’re covered, enhance our Commercial Package offering (including Liability, Property and Auto) with these unique coverages:
- Mechanic’s professional liability protects against faulty workmanship or a defective product on a customer’s vehicle.
- Business interruption covers your business in case it needs to close due to a covered claim.
- Money and securities protects the income of your business from theft and destruction.
- Employee tools protect your hard-earned company assets.
- Added property coverage for signs extends your insurance to protect company signs.
- Errors and omissions coverage for truth in lending, federal odometer statute, dealer title paper preparation, prior damage disclosure and insurance agents.
- Fraudulent, forged or counterfeit title coverage protects your investment should an auto be found to have a fraudulent, forged or counterfeit title.
- Repair reimbursement coverage provides actual dealer labor/part costs for repair of your company’s autos.
- New auto sales defense coverage to cover your company in case of a claim from the Lemon Law Statute.
Restaurant
To ensure you’re covered, enhance our Commercial Package offering (including Liability, Property and Auto) with these unique coverages:
- Business income provides coverage for the actual loss of income sustained during a policy period due to a covered loss, including health department shutdown.
- Customers’ property is coverage for a loss to customers’ property while on your premises.
- Spoilage or contamination by refrigerant covers damage to contents stored in the freezer or refrigerator.
- Accidental discharge of automatic cooking protection system provides coverage to a loss of covered property caused by an accidental discharge from a kitchen and cooking area automatic fire extinguishing and suppression system.
- Credit card slips covers amounts you are unable to collect due to a loss or damage to credit card slips.
- Wine market value pays the value of lost or damaged bottled wine at the price it could have been sold for at the time of the loss.
- Water back-up of sewers and drains provides coverage for damage caused by water back ups from a sewer, drain or sump.
- Medical expense extended coverage for bodily injury expenses caused by your product.
Wholesaler
To ensure you’re covered, enhance our Commercial Package offering (including Liability, Property and Auto) with these unique coverages:
- Business income provides coverage for the actual loss of income sustained during a policy period due to a covered loss or a direct physical loss to property operated by others that you depend on.
- Consequential loss assumption covers stock that is rendered unmarketable as a completed product because other stock has been lost or damaged.
- Brand and labels pays for the cost to relabel damaged merchandise or label it salvage.
- Peak season provides an additional 10 percent of your personal property limit.
- Limited product withdrawal expense is a reimbursement for expenses incurred during a product withdraw.