|
||||||||||||
|
||||||||||||
|
Overview
| Commercial
Packages |
Business Owners
Policy | Business
Auto | Umbrella
Liability :: COMMERCIAL PACKAGES General Commercial Packages |
Contractors |
Professionals |
Retail |
Audits|
Dentists | Complete insurance protection for Funeral Directors When you partner with our agency, you're getting all the insurance protection your business needs from one agency and most likely, one company, plus value-added services that address your unique needs. For your property and liability exposures, we have many different programs, but include information on Ohio Casualty Group's Secure Pak program for Funeral Directors. Secure Pak covers your Funeral Home for the replacement value of your property and lost income as a result of covered property damage. But Secure Pak doesn't stop there. It also covers business liability and equipment breakdowns. We offer as an option an endorsement that provides customized coverages such as Funeral Directors Professional Liability, coverage for property of the deceased, damage to your customer's auto while in your care, and more. That's complete protection. More value. Less worry. We provide the security you need to feel confident you've made the right choice. We know how busy you are, and making time to do all the things you want isn't easy. That's why OCG Secure Pak program written through the W.E. Davis Insurance Agency provides built-in, extra coverages and innovative services that make protecting what's yours worry free and easy. OCG and our agency are committed to building relationships by being customer focused and knowledgeable about your business protection needs. Protect the things you care about with the W.E. Davis Insurance Agency. Property Coverages Building Coverage - Our building coverage also includes garages, storage buildings and related structures, plus permanently installed fixtures, equipment and outdoor fixtures. If you acquire new buildings during the policy period, they will automatically be covered for 90 days, up to $500,000 in value. Business Personal Property - Your stock, equipment and fixtures are protected on a replacement cost basis. Personal Property of others in your care is also covered as part of your Business Personal Property, without regard to legal liability. Equipment Breakdown Coverage - Is automatically included in every Secure Pak policy. Like many other business owners, you probably worry about equipment failure. OCG's Secure Pak provides complete protection that allows you to concentrate on providing the best possible service to your customers. Coverage includes:
This coverage applies to a broad range of equipment including:
Loss of Business Income and Extra Expense - If a covered loss occurs, you are protected for your lost income Accounts Receivable* - $25,000 (includes credit card receipts) Computer Equipment* - $25,000 Business Personal Property off Premises - $25,000 Back up of Sewers or Drains - $25,000 Building Ordinance or Law* Debris Removal - Up to 25% of Business Personal Property Limit Employee Dishonesty* - $10,000 Employees' Tools* - $2,500 per occurrence, no limit per employee Fine Arts* - $5,000 Food Contamination Shutdown Coverage Loss of Business Income - $50,000 Clean up and Medical Expense - $5,000 Forgery and Alteration* - $10,000 Glass* Money Orders and Counterfeit Paper Currency - $10,000 Off Premises Power Failure* - $25,000 Outdoor Property* Seasonal Increase for Business Personal Property - 25% Valuable Papers* - $25,000 * - Limit may be increased for an additional premium charge The above is a partial list of included coverages. Give us a call or send an email if you would like a complete list. Optional Property Coverages We know that not all businesses are alike. Secure Pak's optional coverages give you the opportunity to fine-tune your insurance by adding coverages and adjusting limits so that your policy is right for you. Liability Coverage Our Liability coverage will protect you from a variety of claims against your business related to bodily injury, property damage, personal injury and advertising injury. A limit of $300,000 is included with options up to $2,000,000. The following options are also available:
The service doesn't stop when the policy is issued... Our customers are valuable to us. We want to make sure you feel the security that comes from a company helping to protect the things YOU Care about. That's why our agency offers the OCG Secure Pak Funeral Director Program which includes a broad range of protection that is often not covered in standard policies. Among the innovative and Customer focused services we provide are: Direct Claims Reporting OCG's Direct Report/Direct Response (DR/DR) claims reporting service provides fast, responsive help when you need it most. Experienced claims professionals immediately answer calls 24 hours a day, seven days a week, 365 days a year. Loss Control Services - We can help you reduce your risk for loss and your cost of doing business. We offer specialized programs such as: Safety Solutions, Ergo Solutions, Drug Free Workplace, Violence Prevention Programs, and model safety manuals for other programs. We provide businesses the tools they need to create a safety culture. Guaranteed Repair - OCG's Guaranteed Repair Program is an extra safeguard that helps protect you even after a claim is settled and repairs are made. The program guarantees that any covered building or auto repairs made by an OCG approved contractor or auto service facility will meet industry standards for quality and workmanship. And we guarantee the building repair work for two years after repairs are completed, provided the building is still insured with OCG. For autos, the guarantee is good for as long as you own the automobile and insure it with OCG. Flexible Premium Payment Plan - The Ohio Payment Plan (T.O.P.P.) is our flexible payment program that helps you manage your premium payments and cash flow. Other Protection You May Need Commercial Umbrella - We recommend that you consider adding this coverage to protect against unknown catastrophic liability losses. A variety of limits, up to $50,000,000, is available at an affordable premium. Commercial Automobile to protect Limousines and other vehicles used in funeral service and during pick up or transfer of the deceased. The complete protection and service you need for your business... One complete program ... serviced by one agency; W.E. Davis Insurance Agency, Inc. and one insurer; The Ohio Casualty Group. For further information or to discuss your specific coverage needs, contact our agency at
info@wedavis.com
or call us at 1-614-443-0533. |
