Businessowners Insurance

Our commercial property and casualty insurance has the coverage you need for your business.

Coverage Highlights

Business Income & Extra Expense Actual Loss Sustained — No Waiting Period

If you can’t operate your business because your property or equipment is damaged, we’ll help cover your costs, up to the actual amount of lost income.

Damage to Premises Rented to You

Not every business owner also owns their building. If you rent your shop and it is damaged, up to $50,000 of costs are covered.

EPLI-Free Defense Reimbursement

This coverage pays your business back if you must defend against a lawsuit connected to a worker’s employment. This has a limit of $10,000.

Equipment Breakdown

Coverage specifically for the tools and machines you need in your business is included with the policy.

Other Features Include…

Additional Coverages

Accounts Receivable: $10,000 on premises, $5,000 off premises
Basic Liability: $300,000 (higher limits available)
Buildings and Personal Property: Replacement cost
Contractual Liability
Medical Payments: $5,000 per person
Money and Securities: $10,000 on premises, $2,000 off premises
Valuable Papers: $10,000 on premises, $5,000 off premises

Optional Coverages

Business Computer
Employee Benefits
Employee Dishonesty

Preferred Risks

These types of business offer especially competitive rates and special enhancement endorsements.

Auto parts stores
Baked goods and bakeries
Coffee, tea, and spice shops
Copying and duplicating services
Dairies (ice cream and yogurt shops)
Delicatessens
Floor covering stores
Florists
Funeral homes
Gift shops
Mini-Warehouses
Monument dealers
Pizzerias (no delivery)
Print shops

The information on this page is made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.

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Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings can do for you.

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Add-on Coverages

Customize your business owners insurance policy with these optional add-on coverages.

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