Coverage Highlights

• Office Insurance Program
• Retail Insurance Program
• Service Insurance Program
• Wholesale Insurance Program

Office Insurance Program [top]
Coverage highlights specifically designed for office businesses, include:

• Accounts Receivable Coverage - protects against losses caused by damage to records which could impact your ability to collect money owed by customers.
• Business Income Loss Protection - because cash flow is important, our product protects against loss of income for up to 12 months, and pays the full cost of necessary extra expenses to keep your business running.
• Employee Dishonesty Coverage - protects against losses resulting from the dishonest acts of employees.
• Electronic Data Processing Equipment Coverage - covers your data processing, word processing, telephone systems and software.
• Business Personal Property Coverage - covers your business personal property and that of others while it is in your care.
• Valuable Papers Coverage - covers the cost to restore information from documents, such as medical or legal records, deeds or abstracts.

Retail Insurance Program [top]
Coverage highlights specifically designed for retail businesses, include:

• Premises Liability Coverage - protects your business from losses caused by bodily injury, suffered by people, while on your premises.
• Business Income Loss Protection - because cash flow is important, our product protects against loss of income for up to 12 months, and pays the full cost of necessary extra expenses to keep your business running.
• Employee Dishonesty Coverage - protects against losses resulting from the dishonest acts of employees.
• Money & Securities Coverage - protection against loss of currency and other negotiable instruments on and off your premises; as well as loss due to counterfeit money and bad checks.
• Peak Season Coverage - protects you against the added risk of higher inventories of merchandise during peak selling seasons.
• Signs - a base level of protection is provided with the option to increase the amount of coverage.

Service Insurance Program [top]
Coverage highlights specifically designed for service businesses, include:

• Premises Liability Coverage - protects your business from losses caused by bodily injury, suffered by people, while on your premises.
• Business Income Loss Protection - because cash flow is important, our product protects against loss of income for up to 12 months, and pays the full cost of necessary extra expenses to keep your business running.
• Employee Dishonesty Coverage - protects against losses resulting from the dishonest acts of employees.
• Money & Securities Coverage - protection against loss of currency and other negotiable instruments on and off your premises; as well as loss due to counterfeit money and bad checks.
• Seasonal Coverage Increases - if your business is seasonal, the business personal property limit can be increased during peak periods.
• Signs - a base level of protection is provided with the option to increase the amount of coverage.

Wholesale Insurance Program [top]
Coverage highlights specifically designed for wholesale businesses, include:

• Accounts Receivable Coverage - protects against losses caused by damage to records which could impact your ability to collect money owed by customers. Business Income Loss Protection - because cash flow is important, our product protects against loss of income for up to 12 months, and pays the full cost of necessary extra expenses to keep your business running.
• Employee Dishonesty Coverage - protects against losses resulting from the dishonest acts of employees.
• Seasonal Coverage Increases - if your business is seasonal, the business personal property limit can be increased during peak periods.
• Salespersons Samples - protection against theft or damage to your samples.
• Personal Property in Transit Coverage - for business personal property being transported, in your vehicle, by a common or contract carrier, or in the mail.

Call 1-800-552-7771 for a quote from 7:30 am to 7:30 pm ET, Monday through Friday.

©2009 Zurich American Insurance Company. Access to this web site is governed by the Terms of Use. Coverage may not be available in all states. Coverage may be written on a non-admitted basis through licensed surplus lines brokers. The insurance policy is the contract and fully describes coverage. The web site, and any content, is provided to you on an "As Is", "As Available" basis without warranty of any kind.