Your Independent Agent at Beal Insurance Agency will work with you to obtain the right coverages for your business.

Standard Businessowners Policy Features

The following are highlights of the standard policy coverages which provide broad protections including:

• Back-up of Sewer and Drains
• Building Glass
• Business Income and Extra Expense (Actual Loss Sustained)
• Business Personal Property Off Premises
• Electronic Data
• Employee Dishonesty
• Employee Tools and Personal Effects
• Equipment Breakdown
• Fine Arts
• Food Contamination – Business Income
• Food Contamination – Extra Expense
• Host Liquor Liability
• Inventory or Appraisal Cost
• Laptop Computers – Worldwide Coverage
• Liability for Guests’ Personal Property
• Money and Securities
• Newly Acquired Building and Business Personal Property
• No Coinsurance
• Non-owner Auto Liability
• Non-owner Detached Trailers
• Ordinance or Law Coverage
• Outdoor Property and Signs
• Pollutant Clean Up and Removal
• Spoilage
• Valuable Papers and Records

Custom Protection Options

The following coverages are available at an additional premium to give you the foremost in protection:

• Additional Insureds
• Blanket Additional Insured
• Blanket Limits
• Employee Benefits
• Fine Arts Floater
• Hired Auto Liability
• Liquor Liability
• Scheduled Property Floater
• Umbrella/Excess