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protection for retail floral businesses. It's not a standard "one
size fits all" policy. It's a customized policy, with one comprehensive
premium, serviced by one of our qualified agents - a convenience busy
floral operations can appreciate.
Property Protection
American National Property And Casualty Company's (ANPAC®)
Businessowners Advantage policy includes coverage for your buildings,
permanently installed equipment, outdoor fixtures and business personal
property.
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 of a lawsuit for
a negligent act in the course of your business. This important protection
is an automatic feature of Businessowners Advantage, and is available
in various limits to accommodate 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
*Available in most states
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 businesses 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 protective 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:
Extended Refrigeration Coverage For Florists
Utility Services - Direct Damage
Employee Dishonesty
Employee Benefits Liability
Glass Coverage
Outdoor Signs in higher limits
Accounts Receivable in higher limits
Valuable Papers & Records in higher limits
Earthquake
Spoilage Coverage
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