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Our Businessowners Insurance Programs respond with flexible, cost-effective insurance that can be conveniently packaged to meet the unique requirements of your small- to medium-sized business.

Property Protection

  • Building Coverage – protects your building against damage or destruction
  • Business Personal Property Coverage – protects building contents
  • Loss of Income – provides coverage for loss of income from a covered loss
  • Off-Premises Coverage – covers losses up to $10,000 to your business personal property while it is in transit or temporarily located in premises you do not own, control or rent

Business Liability Protection

  • Bodily Injury and Property Damage – pays claims made against you for bodily injury or property damage
  • Medical Payments – covers medical expenses caused by an accident that occurs on your business property or arises out of your business operations
  • Products/Completed Work – pays bodily injury or property damage claims arising from your products or completed work
  • Fire Legal Liability – provides protection when a fire for which you are liable causes property damage to buildings you rent
  • Choose a liability limit of $300,000, $500,000 or $1,000,000

Optional Coverages Available

  • Accounts Receivable ($10,000/$5,000 included)
  • Condominium Loss Assessment
  • Earthquake
  • Employee Dishonesty
  • Equipment Breakdown
  • Fine Arts
  • Money and Securities
  • Non-Owned / Hired Auto Liability
  • Ordinance or Law Extension
  • Outdoor Signs
  • Peak Season
  • Spoilage Coverage
  • Valuable Papers and Records ($10,000/$5,000 included)
  • Water Backup of Sewers and Drains

Businessowners Policies

  • Special Form – a comprehensive policy that meets the insurance needs of your business, insures against risks of direct physical loss, unless excluded
  • Standard Form – a basic “named perils” policy that serves as an economic alternative
  • Valuation Options – your policy may be written on a Replacement Cost or Actual Cash Value basis

Additional Programs Available

  • Commercial Umbrella Program – Frederick Mutual can provide higher limits of liability coverage over your general liability, auto liability and employer’s liability through this program. Additional limits of $1,000,000 and $2,000,000 are available and up to $5,000,000 possible with approval.