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PROPERTY INSURANCE

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  • Replacement cost or actual cash value
  • Extra Expense Coverage
  • Business Income coverage - Actual Loss Sustained
  • Employee Dishonesty coverage
  • Equipment Breakdown coverage

Property insurance protects a person or business with an interest in physical property against its loss or the loss of its income-producing abilities.  Property coverage has multiple parts including Building coverage, Business Personal Property and Loss of Income coverages:

  • Business Personal Property:  Traditionally known as "contents," this term actually refers to furniture, fixtures, equipment, machinery, merchandise, materials, and all other personal property owned by the insured and used in the insured's business.
  • Business Income Coverage:  An additional Property coverage for the actual loss of business income you sustain due to the necessary suspension of your operations following a direct physical loss or damage.
  • Extra Expense Coverage:  An additional Property coverage for extra expenses that you would not have incurred if there had been no direct physical loss or damage to your property.
Application Submittal Form
App Submittal Form
 


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