 hoades Insurance
Agency offers many types of commercial insurance programs that are
right for your business. We can tailor a package of coverage to best
suit your individual business needs. These coverages include
property insurance, liability insurance, inland marine, and
commercial automobile. In addition, we also offer insurance plans
that provide a convenient method for combining coverage and can be
tailored to fit your needs. These plans include a Business Package
Policy, Apartment/Condominium Owner's Policy, Artisan Package
Policy, and Special Multi-Peril Policy.
 rtisans
Package Policy
|
partment/Condominium
Owner's Policy
|
|
The Artisans Package Policy is designed to provide liability
and property coverage for eligible contracting operations.
Coverage can be written for liability only, or can
include buildings, business personal property, and inland
marine equipment owned & used in the insured business.
Artisans Package Policy Options: |
The Apartment/Condominium Owner's Policy is a package policy
designed to provide both property and liability coverage for
eligible properties with one to sixteen units. Your building
or buildings, business personal property, and business
income can be protected by this policy.
Apartment/Condominium Owner's Policy: |
|
▪ Premises/Operations,
Products/Completed Operations
▪ Occurrence Limits of $300,000, $500,000 or
$1,000,000
are Available
▪ General Aggregate and Products/Complete Operations
Aggregate
Limits are Automatically Provided at Two
Times
the Occurrence Limit
▪ Personal and Advertising Injury Coverage is Included
at
a Limit Equal to the Occurrence Limit
▪ Medical Payments Coverage up to $5,000 per Person
▪ Non-owned/Hired Automobile Liability
▪ Limited Contractual Liability Coverage
▪ Care, Custody, or Control Coverage in the Amount of
$1,000
▪ Buildings and/or Business Personal Property Coverage
is
Written on a Special Cause of Loss Form Which
Provides
the Broadest Coverage Available Today
▪ Business Personal Property - Off Premises Coverage
is
Included at a Limit of $2,500
▪ Loss of Business Income Coverage is Included When
Building
and/or Business Personal Property Coverage
is
Provided (An Option to Include this Coverage
Without
a Limit is Available)
▪ Money and Securities is Included for Up to $1,000
(Optional
Higher Limits Can Be Added)
▪ Contractors' Equipment, Portable Tools & Installation
Floater
Coverage
▪ Accounts Receivable and Valuable Papers Coverage |
▪ Commercial General Liability
Coverage Includes Both
Premises/Operations
and Products/Completed
Operations
Coverage
▪ Occurrence Limits of $50,000, $100,000, $300,000,
$500,000
or $1,000,000 are Available
▪ General Aggregate and Products/Complete Operations
Aggregate
Limits are Automatically Provided at Two
Times
the Occurrence Limit
▪ Personal and Advertising Injury Coverage is Included
at
a Limit Equal to the Occurrence Limit
▪ Medical Payments Coverage up to $5,000 per Person
▪ Fire Damage Legal Liability Coverage Up to $50,000 is
Included,
with Optional Higher Limits Available
▪ Non-owned/Hired Automobile Liability
▪ Replacement Cost Coverage
▪ Buildings and/or Business Personal Property Coverage
is
Written on a Special Cause of Loss Form Which
Provides
the Broadest Coverage Available Today
▪ Loss of Business Income Coverage
▪ Building Coverage is Increased Automatically by Zip
Code
Each Renewal in Order to Keep the Limits Current
with
Today's Construction Costs
▪ Commercial Automobile - For Single Units or Fleet
▪ Commercial Excess Liability - For Limits Above the
Occurrence
and Aggregate Limits
▪ Personal Insurance - For Home, Farm, Auto,
Recreational
Vehicles, Inland Marine, and Umbrella |
|
|
 usiness
Package Policy
|
 pecial
Multi-Peril Policy
|
|
The Business Package Policy is a package policy designed to
provide both property and liability coverage for eligible
mercantile, service, and office operations.
Your building or buildings, business personal property and
business income can be protected by this policy. Many
optional coverages are also available to tailor your policy
to fit the individual needs of your business.
Business Package Policy Options: |
The Special Multi-Peril Policy is a package policy designed
to provide both property and liability coverage for a
variety of commercial businesses.
Your building or buildings, business personal property and
business income can be protected by this policy. Many
optional coverages are also available to tailor your policy
to fit the individual needs of your business.
Special Multi-Peril Policy Options: |
|
▪ Commercial General Liability
Coverage Includes Both
Premises/Operations
and Products/Completed
Operations
Coverage
▪ Occurrence Limits of $300,000, $500,000 or
$1,000,000
are Available
▪ General & Products/Completed Operations Aggregate
Limits
Equal to Two Times the Occurrence Limit
▪ Personal and Advertising Injury Coverage is Included
at
a Limit Equal to the Occurrence Limit
▪ Medical Payments Coverage up to $5,000 per Person
is
Included
▪ Fire Damage Legal Liability Coverage Up to $50,000 is
Included,
with Optional Higher Limits Available
▪ Non-owned/Hired Automobile Liability
▪ Professional Liability Coverage for Selected Classes
of
Business
▪ Loss of Business Income Coverage (An Option to
Provide
this Coverage Without a Limit is Available)
▪ Money and Securities is Included for Up to $1,000
(Optional
Higher Limits Can Be Added)
▪ Buildings and/or Business Personal Property Coverage
Can
Be Written on a Special Cause of Loss Form
Which
Provides
the Broadest Coverage Available in
the
Market Today
▪ Equipment Breakdown Coverage (Includes Air
Conditioning,
Telephone, & Computer
Equipment and
Media,
Perishable Stock, Freezing Units,
Compressors,
and
More, Which is Broader than Traditional Boiler
and
Machinery Coverage)
▪ Peak Season Coverage for Business Personal Property
▪ Mini/Micro Computers Coverage
▪ Accounts Receivable and Valuable Papers Coverage
▪ Commercial Automobile - For Single Units or Fleet
▪ Commercial Excess Liability - For Limits Above the
Occurrence
and Aggregate Limits
▪ Personal Insurance - For Home, Farm, Auto,
Recreational
Vehicles, Inland Marine, and Umbrella |
▪ Commercial General Liability
Coverage Includes Both
Premises/Operations
and Products/Completed
Operations
Coverage
▪ Occurrence Limits of up to $1,000,000 are Available
▪ General and Products/Completed Operations Aggregate
Limits
Equal to Two Times the Occurrence Limit
▪ Personal and Advertising Injury Coverage is Included
at
a Limit Equal to the Occurrence Limit
▪ Medical Payments Coverage up to $5,000 per Person
▪ Fire Damage Legal Liability Coverage Up to $50,000 is
Included,
with Optional Higher Limits Available
▪ Non-owned/Hired Automobile Liability
▪ Professional Liability Coverage for Selected Classes
of
Business
▪ Buildings and/or Business Personal Property Can Be
Written
on a Named Perils Basis or on a Special Cause
of
Loss Form (The Special Form Provides the Broadest
Coverage
Available in the Market Today)
▪ Loss of Business Income Coverage
▪ Money and Securities On and Off the Premises
▪ Equipment Breakdown Coverage (This
Includes
Air Conditioning Equipment, Computer
Equipment
and Media, Telephone Equipment,
Perishable
Stock, Freezing Units, Compressors, and
More,
Which is Broader than Traditional Boiler &
Machinery
Coverage)
▪ Peak Season Coverage for Business Personal Property
▪ Mini/Micro Computers Coverage
▪ Accounts Receivable and Valuable Papers Coverage
▪ Commercial Automobile - For Single Units or Fleet
▪ Commercial Excess Liability - For Limits Above the
Occurrence
and Aggregate Limits
▪ Personal Insurance - For Home, Farm, Auto,
Recreational
Vehicles, Inland Marine, and Umbrella |
|