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A Specially Developed Insurance "Tool"
In today's marketplace, the artisan contractor faces unique
challenges. The competition is tough, and the needs of your clients are diverse and ever-expanding. New and advanced technology makes it necessary for you and your staff to continuously pursue professional knowledge
and its applications.
There's little doubt that you have worked long and hard to earn the respect of your community. Your customers are the most likely your friends; and, because you have their trust and
confidence, they often refer their friends and associates to you.
So, what happens when unforeseen events- such as fire, burglary, or an injury you accidentally cause to another- impact your business and
jeopardize all you've worked so hard to accomplish?
Your Farmers Union Insurance agent has a special insurance policy that they can tailor to the needs of artisan contractors. The program is a
"package" of insurance coverage's designed to help protect your business against devastating property loss and assist you with certain liabilities to others that arise in the course of your daily
operations.
Express Commercial Specialty Program Contractors Package
There are four important types of coverage’s automatically included in this policy. When packaged together, these coverage’s help protect your business against the perils that can hinder your operations.
Property Coverage’s are provided for:
* Office, merchandise, and equipment
* Building, including glass, and at your option, personal property used in your business at the values you reasonably assign to such property.
Liability Coverage’s with respect to:
* Bodily injury and property damage arising out of your business operations
* Exposure to assumed liability under incidental contracts
* The maintenance and use of specified non-owned watercraft
* Fire damage to rented premises
* Business activities of employees
* Newly acquired organizations
* False arrest, slander, or wrongful entry or eviction
* Advertising
* Medical expenses for accidental bodily injury
Insurance for Property in Transport Covers:
* Loss of accounts receivable records
* Loss of valuable business papers
* Loss or damage to scheduled business tools and equipment
* Loss or damage to miscellaneous tools and equipment
* Loss or damage to machinery, equipment, and building materials in transit during installation
Optional Coverage’s are available:
* For bodily injury and property damage arising out of the business use of a private passenger auto
or light to heavy-sized vehicle, plus hired and non-owned coverage
* For theft, disappearance, and destruction of money and securities
* For certain additional property interests
Insurance for Your Restaurant or Motel
Here are some of the important coverage’s included in the Express Commercial Specialty Program:
* Protection from damaging windstorm and hail
* Recovery for theft and vandalism]
* Legal liability protection
* Repair of fire and lightning damage
* Replacement of property of others
* Repair or replacement of personal property, including personal computers
* Accounts receivable protection
* Repair or replacement of broken glass
* Protection from employee dishonesty
* Protection from loss of business income due to suspension of operations
Building your own business is hard work, and we bet you’re proud of what you’ve done.
Because each business is different and personal, let a Farmers Union Insurance agent customize and fit the package to your individual needs.
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