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Businessowners Advantage
Coverage for offices, retail businesses, and
rental property.
American National Property and Casualty Company's (ANPAC®)
Businessowners Advantage policy is designed to provide affordable
quality protection for retail businesses, offices, and apartments.
It contains a host of special optional coverages to address your
specific needs.
Property Protection
Businessowners Advantage includes coverage for your buildings,
permanently installed equipment, outdoor fixtures, business personal
property (including computer systems), electronic media and records,
and your interest in tenant improvements and betterments.
Other Coverages include:
- Accounts Receivable
- Money and Securities
- Forgery or Alterations
- Debris Removal
- Outdoor Property, including signs
- Newly Acquired Property
- Property in Transit or Temporarily Off Premises
- Valuable Papers and Records (cost of research), including electronic
or magnetic media
- Property of Others while in your care, custody or control
- Liability Protection
Liability coverage is valuable protection in the event you are
sued due to a negligent act in the course of your business. This
important protection is an automatic feature of Businessowners Advantage,
and is available in various amounts to serve your needs.
The following items are included:
- Premises and Operations
- Hired & Non-owned Auto
- Products/Completed Operations
- Personal Injury
- Advertising Injury
- Fire Legal Liability
- Medical Expense
- Loss of Income
Your business income is paid, up to twelve months, when your business
is interrupted by an insured peril. Businessowners Advantage also
pays for certain extra expenses needed to resume normal business
operations.
Special Features
In addition to the coverages outlined here, you will also benefit
from special features found in Businessowners Advantage:
Replacement Cost Coverage. Pays the cost of replacing your
buildings or business personal property with materials of like kind
and quality at current prices. Coverage on an actual cash value
basis is optional.
Equipment Breakdown Coverage. Covers physical and financial
damage from an insured equipment failure. Coverage for many types
of equipment including: electrical distribution systems, HVAC, telephone
and electronic systems and equipment.
Automatic Increase in Insurance. Prevents inflation from
devaluing your insurance protection by automatically increasing
the amount of coverage on your buildings each year. A choice of
percentages is available on an optional basis.
Peak Season Coverage. Increases your limit for business
personal property automatically - a valuable feature if your inventory
fluctuates seasonally.
Deductible Options. Allows you to choose higher deductibles
for additional savings.
Premium Discounts. Lowers your payments with credit for
qualified security systems.
Payment Plans. Spreads out your premium payments to free
up capital for current business needs.
Optional Coverages
Depending on your exact business needs, you may want to include
some of the following coverages in your policy:
- Utility Services - Direct Damage
- Employee Dishonesty
- Employee Benefits Liability
- Outdoor Signs in higher
- Accounts Receivable in higher limits
- Valuable Papers & Records in higher limits
- Earthquake
- Spoilage Coverage
COREY INSURANCE and it's agents provides service only within the
states of Iowa, Nebraska and South Dakota.
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