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.
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.
Spreading The Word About Your Business (video)
Aug 2, 2018, 10:43 AM
by
Bradley Williams
From Facebook to friends, how you can tell people about your product or service.