Businessowners Protection
Taking care of business
Experience. Ingenuity. Time. The personal investment in a small business is incalculable. And just one disaster could wipe it all away. Plan now for the unexpected. Ask about businessowner's protection from Universal North America.
Big protection for small businesses
Universal North America's Businessowner's protection is design 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 Furnishing Stores
- Pet Shops (no exotic animals)
- Florist Shops
- Furniture Stores
- Gifts and Glassware Shops
- Mail Box and Package Stores
- Mailing and Addressing Companies
Our standard policy includes:
Property Coverage
- 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 Coverage
- 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
Liability Protection
-
Per occurrence/aggregate limits (maximum payout per occurrence/maximum payout during the policy period)
from $300,000/$600,000 to $2 million/$4 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
Coverage made to order
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 Insureds
- Employee Benefits Liability
- Terrorism
Easy online access
Managing your policy is easy with Universal's special website feature, My Universal. Make payments and gain access to important policy documents online. Log in
