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Coverage
for offices and retail businesses.
American National Property And Casualty Company's (ANPAC®)
Businessowners Advantage policy is designed to
provide affordable quality protection for retail
businesses and offices. It contains a host of
special optional coverages to address your specific
needs.
Property Protection
 Businessowners
Advantage includes coverage for your buildings,
permanently installed equipment, outdoor fixtures,
business personal property (including computer
systems), electronic media and records, and your
interest in tenant improvements and betterments.
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 you are sued
due to a negligent act in the course of your business.
This important protection is an automatic feature
of Businessowners Advantage, and is available
in various amounts to serve 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
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 business 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
security 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:
- Utility Services - Direct
Damage
- Employee Dishonesty
- Employee Benefits Liability
- Outdoor Signs in higher limits
- Accounts Receivable in higher
limits
- Valuable Papers & Records
in higher limits
- Earthquake
- Spoilage Coverage
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Life
