This insurance provides owners of commercial buildings with the benefits of a comprehensive package of protection and the flexibility to meet your specific needs. This product is designed for buildings principally occupied by offices, retail, service and wholesale businesses.
Some of the coverages included for building owners:
- Helps replace or repair your building if it is damaged by a covered loss.
- Provides protection for damages relating to bodily injury and property damage that arise out of your business; and personal and advertising injury for example, if a competitor of your business complains that an act, advertisement, practice, or comment you or your staff has made has damaged their business.
Business Income and Extra Expense
- Covers you in the event your business has to close due to a covered loss. You will be reimbursed for your actual loss of income and the extra expenses you incur for up to one year.
Employment Practices Liability
- Protects you from claims made alleging injury to your employees due to work-related discrimination, negligent hiring or termination, or harassment.
Optional coverages are also available to customize your policy to meet your unique needs.
- Provides comprehensive data security and privacy coverage that address both first-party losses and third-party liability claims, expert claims handling and breach response services in the event of a suspected breach, and a risk management website which provides information, guidelines and tools to help mitigate risk before a breach occurs.
Money saving discounts for:
- Protective devices for fire or burglar alarms
- Automatic sprinkler systems
- Multiple policies with Merchants Insurance Group