Insurance Protection That Means Business.
When you need solid insurance coverage to protect your commercial assets, it shouldn’t be business as usual. As a trusted Michigan-based provider for more than 100 years, we understand that insurance should be a reliable and stable safety net when you need it the most. Our versatile coverage for business owners provides the security and flexibility to ensure your business operates smoothly and remains successful.
Our features include:
- Automatic Increase feature for Building Limits
- Outdoor Property - $2,500 limit including fences, TV/radio antennas, unattached signs (fire, lightning, explosion, riot or civil commotion or aircraft perils only)
- Exterior Signs Attached to Buildings - $1,000 per sign
- 25% Seasonal Increase of Business Personal Property
- Money & Securities - $5,000 inside premises; $2,000 outside premises
- Forgery and Alterations - $2,500 limit
- Business Income - Actual loss sustained within twelve (12) consecutive months
- Extra Expense - Actual loss sustained within twelve (12) consecutive months
- Accounts Receivable - $10,000 at premises; $5,000 Not at premises
- Valuable Papers and Records - $10,000 at premises; $5,000 Not at premises
- Counterfeit Money obtained in the course of your business - $1,000
Property - Highlights
- Business Income from Dependent Properties - $5,000
- Debris Removal - 25% of loss
- Electronic Data - $10,000
- Exterior Building Glass
- Personal Property off Premises - $10,000
- Personal Property in Transit - $10,000
Liability - Highlights
Below is a partial listing of Liability Coverages included:
- Blanket Contractual
- Host Liquor Liability
- Non-Owned Watercraft Liability - (less than 51 feet)
- Damage to Premises Rented to You - $50,000 limit
- Personal and Advertising and Injury
We also offer:
- Businessowners Advantage (PBP ADV)
- Office Businessowners Advantage (OBP ADV)
- Retail/Wholesale Businessowners Advantage (RWBP ADV)
Optional Property Coverages - Highlights
- Earthquake
- Spoilage
- Water Backup and Sump Overflow
- Cyber Suite Coverage
- Blanket Building
- Blanket Business Personal Property
- Employee Dishonesty
- Actual Cash Value
- Agreed Value
- Equipment Breakdown
- Food Contamination
- Utility Services - Direct Damage &/or Time Element
- Ordinance or Law
Optional Liability Coverages - Highlights
- Professional Liability for: Barber/Beauty, Florists, Funeral Directors, Veterinarians, Optical and Hearing Aid, Pharmacists
- Employee Benefits
- Condominium Directors & Officers
- Waiver of Transfer of Rights or Blanket Waiver of Transfer of Rights
- Employment Related Practices
- Hired & Non-Owned Auto
- Stop Gap
- Additional Insured Endorsements/Blanket Endorsement available
Discounts Available!
- Paid in Full Discount - 5% (Subject to Policy minimum)
- Multi-Policy Discount - 10% (With Commercial Auto or Umbrella
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This brochure is intended to be a broad summary of the insurance coverages provided by a Businessowners policy. The information here is subject to policy terms and exclusions, and does not replace your policy language. Read your full policy carefully and ask your Independent Insurance Agent if you have specific questions.
Learn more about business insurance with Pioneer State Mutual.