Insuring Business

**Stores, offices, etc.**

Business coverage can be designed to protect a wide range of needs, from a simple contents-only fire policy to a full Businessowners package policy with numerous endorsement additions and extensions of coverage. Consultation with a knowledgeable agent or broker is always a good first step in determining which coverages are essential to keep the business operating following a loss and which are desirable if the budget will allow.

Businessowners

A Package Policy which includes both property and liability coverage for businesses
Buildings and Contents coverage limits are specified separately and may have separate deductibles
Perils coverage include Basic perils, Broad perils and Special perils
Coverage may be provided on an Actual Cash Value & Replacement Cost basis.
Equipment Breakdown, including Boiler and Machinery coverage and inspections, are included automatically. Click here for more information.
Numerous extensions and endorsements can be added to customize coverage as needed

Major Classifications insured are:

Mercantile – buying and selling of goods – all kinds of stores
Service – Laundries, Dry Cleaning, Clock Repair, Mini Storage Buildings (Private), etc.
Apartment – 5 to 30 unit apartment buildings
Office – Some coverages may be restricted for Doctor offices

**Loss of Income coverage is automatically provided based on a formula derived from the building and contents coverage limits**

Depending on the form – Standard or Deluxe – additional coverages are automatic or optional:

Glass
Inflation Guard
Sprinkler Leakage
Off-premises property – while it is being repaired
Seasonal Variation of contents coverage – more coverage during a peak period
Additional Expense
Added Water Damage
Valuable Papers and Records
Accounts Receivable
Employee Dishonesty
Money and Securities
Fire Legal Liability
Personal Injury Protection – Libel, Slander or Defamation of Character, False Arrest, etc.
Business Owners Deluxe Options

**Numerous Inland Marine endorsements are avialable**

Standard Fire and Special Multi-Peril

A Standard Fire policy gives almost total flexibility in crafting a policy for a particular need
Property coverage may be Basic Perils, Broad Perils or Special Perils
General Liability coverage may be added
Inland Marine coverages may be added as well
The property may be occupied by the owner or a tenant
Buildings with different uses and classifications can be insured in one policy

Equipment Breakdown Coverage

Equipment Breakdown Coverage is an automatic coverage on all commercial policies and is provided free of additional charge.
Loss Reimbursement is funded and Boiler Inspection Services are provided by Mutual Boiler Re.
If you have an "object" which requires annual inspection, you can save substantially with a Midstate Policy over a separate Boiler and Machinery Policy.
Click here to view more information on this important coverage.

Insuring Business

**Stores, offices, etc.**

Businessowners

A Package Policy which includes both property and liability coverage for businesses
Buildings and Contents coverage limits are specified separately and may have separate deductibles
Perils coverage include Basic perils, Broad perils and Special perils
Coverage may be provided on an Actual Cash Value & Replacement Cost basis.
Equipment Breakdown, including Boiler and Machinery coverage and inspections, are included automatically. Click here for more information.
Numerous extensions and endorsements can be added to customize coverage as needed

Major Classifications insured are:

Mercantile – buying and selling of goods – all kinds of stores
Service – Laundries, Dry Cleaning, Clock Repair, Mini Storage Buildings (Private), etc.
Apartment – 5 to 30 unit apartment buildings
Office – Some coverages may be restricted for Doctor offices

**Loss of Income coverage is automatically provided based on a formula derived from the building and contents coverage limits**

Depending on the form – Standard or Deluxe – additional coverages are automatic or optional:

Glass
Inflation Guard
Sprinkler Leakage
Off-premises property – while it is being repaired
Seasonal Variation of contents coverage – more coverage during a peak period
Additional Expense
Added Water Damage
Valuable Papers and Records
Accounts Receivable
Employee Dishonesty
Money and Securities
Fire Legal Liability
Personal Injury Protection – Libel, Slander or Defamation of Character, False Arrest, etc.
Business Owners Deluxe Options

**Numerous Inland Marine endorsements are avialable**

Standard Fire and Special Multi-Peril

A Standard Fire policy gives almost total flexibility in crafting a policy for a particular need
Property coverage may be Basic Perils, Broad Perils or Special Perils
General Liability coverage may be added
Inland Marine coverages may be added as well
The property may be occupied by the owner or a tenant
Buildings with different uses and classifications can be insured in one policy

Equipment Breakdown Coverage

Equipment Breakdown Coverage is an automatic coverage on all commercial policies and is provided free of additional charge.
Loss Reimbursement is funded and Boiler Inspection Services are provided by Mutual Boiler Re.
If you have an "object" which requires annual inspection, you can save substantially with a Midstate Policy over a separate Boiler and Machinery Policy.
Click here to view more information on this important coverage.

Insuring Houses
Insuring Farms
Insuring Artisan Contractors
Insuring Businesses
Insuring Churches
Mobile Home Parks
Insuring Restaurants
Insuring Motels