Business Owners Insurance Program
 

Business Owner's Coverage

The Business Owner's Policy or BOP protects your business in a number of ways.  It's a policy that is important for you to know about, because the unthinkable can happen. And you want protection from financially devastating possibilities.

Property Coverage Features
 

	Special Form
	Replacement Cost
	No Co-Insurance
	Deductible Options:  $500 to $25,000
	Building Coverage Includes: Completed Additions Fences & Fixtures Permanently Attached Machinery & Equipment Building Glass Retaining Walls Owned equipment used to maintain property Newly acquired or constructed buildings - $500,000 for 180 days Ordinance of Law - $25,000 Outdoor Trees, Plants & Shrubs - $3,000
	Business Personal Property Includes: Property within 1000 feet of the premises Improvements & Betterments Money & Securities Theft of furs up to $2,500 Theft of jewelry, watches and precious metals up to $5,000 Newly acquired business personal property - $250,000 for 180 days In Transit and at temporary locations you do not own Spoilage Temporary Relocation of Property - $50,000 for up to 90 days Theft damage to rented property Non-Owned Detached Trailers - $5,000
	Equipment Breakdown - Included $25,000 coverage for pollutant contamination $25,000 coverage for expediting expenses $100,000 limit to diagnostic, power generating or production equipment  (Limit can be increased by endorsement)
	Electronic Data Processing Included in Business Personal Property limit to $50,000 maximum  (Limit can be increased by endorsement) Interruption of Computer Operations - $25,000 aggregate for physical loss to EDP equipment Worldwide Coverage $25,000 Transit - Off Premises $25,000 Newly Acquired EDP $25,000 Backup Data off premises $25,000 Electronic Vandalism
	Fine Arts up to $25,000  (Limits can be increased by endorsement)
	Signs - On premises
	Business Income & Extra Expense - Actual Loss Sustained for up to 12 months. Deductible does not apply Up to 60 days extended period of indemnity Business Income newly acquired premises - $250,000 for 90 days
	Additional Coverage Included: Arson & Theft Reward up to $5,000 Claim Data Expense - Up to $5,000 for appraisal and inventory expenses Debris Removal - 25% of direct claim amount to maximum of $25,000 Expediting Expenses up to $25,000 Fire Department Service Charge to $25,000  (deductible does not apply) Fire Protective Equipment Discharge - $10,000 for accidental or intentional discharge Pollutant Cleanup and removal - $25,000 annual aggregate
	Employee Dishonesty - Up to $25,000 (Limit can be increased by endorsement)
	Forgery or Alteration - Up to $25,000 (Limit can be increased by endorsement)
	Accounts Receivable - Up to $25,000 (Limit can be increased by endorsement)
	Valuable Papers - Up to $25,000 (Limit can be increased by endorsement)
	Liability Coverage Includes: Premises & Operations Advertising & Personal Injury Blanket Contractual - Oral & Written Products & Completed Operations Broad Form Property Damage Unlimited Defense Costs Host Liquor Legal Liability Medical Payments - $5,000 Damage to Premises Rented to You - $300,000 Web Extend for website liability Limited Worldwide Coverage
	Liability Options Available: Aircraft chartered with crew Blanket Additional Insured Blanket Waiver of Subrogation Bodily Injury - Amended Definition Broadened Named Insured Incidental Medical Malpractice Injury to co-employees and co-volunteers Knowledge and notice of occurrence Non-Owned Watercraft increased to 50' Personal Injury - Assumed by Contract Employee Benefits Liability
	Garagekeepers Legal Liability - Available by endorsement
	Hired & Non-Owned Auto - Available by endorsement
	Umbrella

WORKING TO CONTROL COSTS

With our BOP, you can reduce your premium costs by choosing a higher deductible. We offer a wide variety of deductible options, from $250 to $5,000. What's more, we offer substantial discounts to businesses in buildings equipped with sprinklers and superior construction.

FLEXIBLE PAYMENT PLANS

You also have a choice of payment plans to make it easy on your budget. Ask us about the flexible payment options we offer.

SUPERIOR CLAIMS SERVICE

Settling a claim has never been easier. Allen Financial Insurance Group has claims offices throughout the nation to provide fast, accurate claims service. We're among the top-rated insurers in handling claims. In fact, 96% of our customers rate our claims service as excellent.

  Contact us by phone (800) 874-9191, FAX (602) 992-8227 or email below for more product information.