Overview | Commercial Packages | Business Owners Policy | Business Auto | Umbrella Liability
Business Life Insurance | Group Health | Employment Practices | Professional Employers | Home Business
Directors & Officers Liability | Trustee & Fiduciary Liability | Boiler & Machinery | Related Industries

:: COMMERCIAL PACKAGES

General Commercial Packages | Contractors | Professionals | Retail | Audits | Dentists |
  Funeral Directors | Service Stations | Body Shops | Restaurants | Metal Workers | Printers

Retail Businesses need superior insurance protection

Let The W.E. Davis Insurance Agency Keep You

Open For Business When Losses Threaten ...

You've worked hard to build your business, and you should protect it with a good commercial insurance policy. W.E. Davis Insurance Agency offers The Cincinnati Insurance Company's Businessowners Policy which combines the property and liability coverage you need with a competitive price you can afford.

The Businessowners Policy is specifically designed to cover retail operations.

This Policy Works As Hard As You Do

The Cincinnati's Business owners Policy covers your business in a variety of ways. Here are some of the features:

• "Special Cause of Loss Coverage" on your building and contents. That means the policy insures risks of direct physical loss to covered property . . . except for causes of loss listed in the exclusions.
•  Business Income and Extra Expense Protection for your actual loss when your business is interrupted due to a covered claim.
•  Theft of Money Coverage up to $10,000 on premises and $2,500 off premises.
•  Employee Dishonesty Protection up to $10,000.
•  Accounts Receivable and Valuable Papers Coverage up to $25,000.
•  Loss of your Computer System up to a total of $10,000.
•  Peak Season Coverage AUTOMATICALLY increases your contents coverage up to an additional 25% during peak sales periods.
•  Business Liability Coverage of $500,000 or $1,000,000 per occurrence.

Prepare For That Rainy Day

Umbrella Liability Coverage can be easily added to your Business owners Policy. An umbrella covers unforeseen catastrophic losses. In today's legal environment, having an umbrella policy makes good business sense.

Boiler and Machinery Coverage**

If your retail operation depends on equipment you can add boiler coverage which protects you against situations like explosion and accidental mechanical breakdown of pressure vessels, boilers and air conditioning units.

And Consider These Options

Your coverage can also be extended to include: - Water backup of sewers or drains (flood protection is available for offices). - Employee Benefit Liability. - Earthquake protection for your building and contents. 

Your Insurance Rates Won't Go Up For Three or Even Five Full Years**

The Cincinnati Insurance Company prefers to do what many companies refuse to do . . . offer three-year, even five-year, rate guarantees. This rate stability allows you to budget your insurance expenses.

Talk with our agency to find out more about The Cincinnati Insurance Company and our Business owners Policy.

This is not a policy. For a complete statement of your coverages and exclusions, please see your policy contract.

**Available in most states.

Please call our office at 614-443-0533 or email us at info@wedavis.com  and we will be happy to prepare a quote for your retail operation.