Tailored protection for small businesses in one portfolio.

The Service Insurance Program provides outstanding protection for many kinds of service businesses.  Our comprehensive portfolio gives you the ability to combine broad property, liability, commercial auto, and umbrella coverage.  In most states, workers compensation is also available.

Coverage highlights include:

• Building and Structures—covers materials, equipment, supplies, additions, and new construction within 1,000 feet of premises
• Newly Acquired or Constructed Buildings--$500,000 with 180 days to report; no percentage limitation
• Business Personal Property Coverage – Broad protection against loss concerning your business personal property and the property of your customers while it is in your care, custody, and control. Optional Bailees Coverage is available to provide primary insurance 
• Business Income and Extra Expense—12 months’ actual loss sustained; no waiting period; may be excluded for premium credit
• Glass Breakage—full coverage; limited coverage ($500 pane/$1,00 occurrence) available for premium credit; property deductible can be eliminated as an option
• Back-up of Sewers and Drains—covered; may be excluded for premium credit
• Outdoor Property—covers fences and wall sup to $2,5000, may be increased up to $250,000; signs up to $5,000, may e increased up to $100,000; trees, shrubs, plants, and lawns up to $10,000, $1,000 per item sublimit

Coverage highlights specifically designed for service businesses, include:

• Accounts Receivable Coverage—protects you from losses caused by damage to your records which prevents you from collection money owed you by customers
• Business Income Loss Protection—because cash flow is so important to your service business, our program protects you against loss of income for up to 12 months, and pays the full cost of necessary extra expenses to keep you in business
• Employee Dishonesty Coverage—protection against losses resulting from the dishonest acts of employees is available in amounts ranging from $10,000 to $250,000
• EDP Equipment Coverage—a base level of protection is built into the Precision product, and you have the option to increase that level or to schedule high value items
• Tools and Equipment Coverage—protects you against a loss concerning owned, borrowed, rented, or leased tools and equipment.