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Retail Store / Service Insurance

Typical Retail Coverage Summary
Property Coverages Basic Package Limits Enhanced Package Limits
Business Income 18 months actual loss sustained 18 months actual loss sustained
Business Income 72-Hour Buyback Usually enhanced only Included
Seasonal Automatic Increase – BPP Additional 25% included Additional 25% included
Accounts Receivable $5,000* $25,000*
Bailee Coverage – Printers N/A $25,000*
Bailee Coverage – Dry Cleaners $100,000* $200,000*
Bailee Coverage – Repair Shop $25,000* $50,000*
Computer Equipment $10,000* $25,000*
Arson Conviction Reward $5,000 $5,000
Fire Department Service Charge $1,000 $1,000
Fire Extinguisher Recharge $2,500 $5,000
Increased Cost of Construction $5,000 $5,000
Mechanical & Equipment Breakdown Usually enhanced only Included
Newly Acquired Buildings $250,000 $250,000
Newly Acquired – BPP $100,000 $100,000
Outdoor Signs $2,500* $7,500*
Personal Property Off Premises $5,000* $5,000*
Pollutant Clean-Up & Removal $10,000* $10,000*
Premises Boundary 100 feet 1,000 feet
Spoilage Coverage (Food Stores) $2,500 $25,000
Trees, Shrubs and Plants $500 / $2,500 $500/ $2,500
Valuable Papers and Records $5,000* $25,000*
Crime Coverages Basic Package Limits Enhanced Package Limits
Employee Dishonesty $5,000* $10,000*
Forgery and Alteration $2,500 $2,500
Money and Securities – Inside/Outside $5,000* $10,000*
Money Orders and Counterfeit Paper Currency $1,000 $1,000

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