Here are some basic points for review.

1. This policy protects against direct physical loss by a covered peril.
2. The following are examples of covered perils on the policy:
1. Fire
2. Theft
3. Hail
4. Vandalism
3. It excludes flood and earthquake, this is a separate policy.
4. It covers your equipment, Lease hold improvements, supplies, charts & x-rays, Employee Dishonesty, Accounts Receivable, Loss of Business Income from a covered loss.
5. It also protects building owner against loss.

How can you apply:

1. We will need the following information to obtain a quote:
1. Name of Business
2. Address of Location
3. Construction type of the building (ex.Frame/Masonry)
4. The year the building was built
5. Does the building have a sprinkler syetem for fire?
6. Are you a Tenant or Building owner?
7. What is the square footage?
8. How many employees do you have?
9. What is the replacement cost of your Business Personal Property (to replace everything brand new in case of a covered loss), including Lease Hold Improvements/Betterments and all Computer equipment?
10. As a building owner, do you have any fences, sheds or detached structures? If yes, what is the replacement cost of these items?
11. The following coverages come with the policy at an inclusive level of limits which can be increased:
1. Accounts Receivable - $25,000
2. Valuable Papers-$25,000
3. ERISA/Employee Dishonesty-$10,000
4. Signs-$5,000
5. Money/Securities-$10,000 on /$5,000 off
6. Actual Loss sustained for Business Income
7. General Liability per occurrence $1,000,000 aggregate $2,000,000

1. Send us the signed and dated quote, or application.

1. Options are available and will be discussed during the application process.