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Business Insurance is designed to protect your business assets in the event of a loss that is covered under your policy.
Business Owner's Policy (BOP)
An insurance policy that provides property insurance that covers tangible assets you have, including your building, furniture and fixtures, equipment, etc. Examples of exposures that would put these assets at risk include fire, wind, hail, theft and vandalism.
Included in the BOP is the liability Insurance which covers you in the event
a third-party brings suite against you for bodily injury or property damage.
Examples would include if someone is hurt on your premises, or if they are
injured using a product or service you sell. Most of Sebrite Agency's National
Programs also include Professional Liability and increased liability limits
of 2,000,000 per occurrence and a 4,000,000 aggregate.
Also included are coverage's such as:
Business Income written for 12 months including extra expense and written as
actual loss substained
Repair or replacement of electronic data processing systems and media, with limited exclusions for worldwide coverage territory and computer virus coverage.
Equipment breakdown coverage, including pollutants and service interruption
Crime coverage, including:
- Employee dishonesty/ERISA
- Money and securities
- Counterfeit currency or money orders
- Depositor's forgery
- Transit Coverage
- Replacement of valuable papers and records
- Increased limits for many automatic additional coverage's and extensions
- Hired and non-owned auto liability
Additional Products for Other Business Risks
- Workers Compensation
- Commercial auto insurance
- Umbrella protection
- Employment Practices Liability
- HIPPA Compliance/Web Based
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