Group Health Insurance
Business Owners Policies (BOP)
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 superior
commercial insurance. W.E. Davis Insurance
Agency offers many fine Business owners Policies
(BOP) through some of the finest insurance
carriers in the industry. A BOP
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
Our BOP's can cover 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 (up to 12 months).
- Theft of Money Coverage up to $10,000 on
premises and $2,500 off premises. (can be
increased).
- Employee Dishonesty Protection up to
$10,000. (can be increased).
- Accounts Receivable and Valuable Papers
Coverage up to $25,000. (can be increased).
- Loss of your Computer System up to a
total of $10,000. (can be increased).
- 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 and higher
limits are available.
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**
We have companies that 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 our
BOP policy.
This is not a policy. For a complete
statement of your coverage and exclusions,
please see your policy contract.
Contact us and we will be happy
to prepare a quote for your retail operation.
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