Experience. Ingenuity. Time. The personal investment in a small business is incalculable. And just one disaster could wipe it all away. When the unexpected happens, Universal has a plan for that.

Universal North America's Businessowner's protection is designed for small businesses and retail stores such as:

• Barber Shops
• Beauty and Hair Salons (no tanning)
• Delicatessens (no delivery)
• Ladies or Girls Clothing Stores (no furs)
• Home Furnishings Stores
• Pet Shops (no exotic animals)
• Florist Shops
• Furniture Stores
• Gifts and Glassware Shops
• Mail Box and Package Stores
• Mailing and Addressing Companies

Sometimes business is personal—especially with a small business where customers are known by name, employees are friends and assets are the result of genuine sacrifice. Even a minor accident, like a broken window, could cause serious injury and lead to significant loss.

Our Businessowner's protection protects the people, the property and whatever else it may take to keep a small business in business, and it automatically adjusts for inflation at each renewal to help ensure that coverage remains sufficient. Our standard policy includes:

• Building coverage from $150,000 to $5 million
• Special causes of loss*
• Permanently installed equipment and fixtures
• Personal property used to maintain or service the premises

• Business property coverage up to $1 million
• Furniture, fixtures, equipment and stock
• Tenant improvements and betterments (i.e. cabinets, office wall build out, kitchen countertops, etc.)
• Special causes of loss*
• Replacement cost basis with no deduction for depreciation
• Leased personal property when under contract to insure

• Per occurrence/aggregate limits(maximum payout per occurrence/maximum payout during policy period) from $300,00/$600,000 to $1 million/ $2 million
• Liability arising out of bodily injury, property damage or personal and advertising injury
• Premises (operations)
• Products (completed operations)
• Per person medical expenses $500,000
• Tenants fire liability $100,000

*Covers the risks of direct physical loss unless the cause of loss is limited or excluded

Businessowner's protection from Universal North America can always be trusted for strong protection. With customized coverages, even greater strength is available when and where it's needed most.

Optional property coverages:

• Outdoor Signs
• Business Income and Extra Expense (protects against lost income due to covered incident)
• Medical Pay Increase
• Hired/Non-Owned Auto Liability
• Additional Insureds
• Employee Benefits Liability
• Terrorism

Optional liability coverages:

• Medical Pay Increase
• Hired/Non-Owned Auto Liability
• Professional Liability (limited classes)
• Additional Insured's
• Employee Benefits Liability
• Terrorism

Universal North America offers competitive rates and flexible payment options for business owners.

Convenient Payment Options Include:

• Full payment
• Semi-annual payments
• Quarterly payments
• 8-payment plan

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