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You’ve worked hard to build your business and provide your customers with the
types of services they need. Partners Mutual wants to help you protect that business. The
Business Owners Program is a package policy for apartments/motels, mini-warehouses,
offices, retail stores, sandwich/pizza shops, and selected processing and service
establishments.
What Is Covered?
Business Owner Liability Coverage includes:
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Premise & Operations |
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Host Liquor Liability |
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Products & Completed Operations |
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Broad Form Property Coverage |
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Insured Contracts |
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Advertising Liability |
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Medical Payments: $5,000 per person
for injuries suffered by others |
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Fire Legal Liability $50,000 Included
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Personal Injury |
Optional coverage available:
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Hired and Non-owned Auto |
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Additional Insured |
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Specialty Coverages for:
- Barbers/Beauticians Professional
- Funeral Directors Professional
- Audiologists Professional
- Veterinarians Professional
- Animal Grooming
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- Printers Error and Omissions
- Condominium Directors & Officers
- Employee Benefit Administration
- Warehouseman’s Errors & Omissions
- Optician/Optometrist Professional
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Business Property Coverage
With your standard deductible of $250, or optional $100, $500 or $1,000 for replacement
cost or actual cash value, the Business Property Coverage options include:
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Buildings |
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Debris Removal |
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Business Personal Property |
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Loss of Business Income: Actual Loss of Net Income for 12 Months |
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Pollutant Clean Up & Removal
$10,000 |
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Guaranteed Building Replacement Cost Available for Select Apartments |
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Money & Securities Available with Special Coverage Form
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Mini-warehouse Endorsement |
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Signs |
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Sales & Service Floater
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Employee Dishonesty |
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Computers & Electronic Equipment |
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Accounts Receivable |
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Physicians & Surgeons Equipment
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Extra Benefits
Partners Mutual offers a Partners Plus Coverage Advantage Program which is available when
at an extra cost when the Special Coverage Property Form is requested. The additional 14
items covered complete your Business Owner Program.
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Glass coverage included for tenants |
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Up to $5,000 coverage on property of others |
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Up to $10,000 off premises personal property coverage |
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Up to $10,000 coverage for power failure to buildings or business
personal property |
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Up to $10,000 coverage for off premises power failure to cover your
income or extra expense |
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Up to $5,000 extra expense
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Up to $10,000 on outdoor signs |
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Up to $5,000 for arson reward |
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Up to $10,000 to cover sewer back up ($500 deductible applies) |
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Up to $10,000 business property can apply to spoilage |
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Up to $250,000 on newly property |
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Up to $1,000 for lock replacement ($50 deductible applies) |
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Trade Show, $10,000 |
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Up to $1,000 for fire extinguisher recharge |
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$5,000 money & securities |
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