We’ll pay for loss of money or securities in connection with theft or destruction of money or securities. The limit is $5,000.
If water backs up through a drain or your sump pump overflows, we’ll pay up to $10,000 on a loss resulting from water damage.
If you’re legally obligated to pay for a guest’s property that is damaged or suffers a loss, we’ll cover up to $5,000 ($1,000 per individual guest).
We offer additional coverage of up to $25,000 for accounts receivable on your premises.
Business Income and Extra Expense
This coverage applies to income you lose while your business is shut down because you’re restoring your property. This coverage also applies to added expenses that are a result of your claim.
Valuable Papers and Records
With this endorsement, lost or damaged research, records, and other information stored the “old-fashioned way,” as valuable paper, can be covered for additional coverage of up to $10,000.
Coverage for when secure passwords and internet-based protection isn’t enough.
Additional coverage when you need to go above and beyond your regular policy.
Protect yourself and your staff if there's an injury or disability on the job.
Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.
When you think of keeping your workplace safe, you probably think of goggles and gloves, or secure computer passwords. But there’s another way you can make sure your company is protected: with EPLI.
EPLI stands for employment practices liability insurance. It covers employment-related lawsuits, like discrimination or sexual harassment, for your entire company. Hastings Mutual offers tools to help manage EPLI information, including a legal expert specialized in employment-related issues, and information you can customize for your company’s specific situation.
Situations where EPLI coverage might apply can involve many different parts of your business. Make sure your company has some basic practices in place to reduce your risk of liability.
Many companies feel “like families,” but employees can and do sue their employers for many different reasons. Laws and regulations can change at any time, and the cost of going to court after a claim can be $10,000 or more — a real hardship for a small business.
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.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
8:00 a.m. - 4:30 p.m. (EST)