What Is Retail Store / Service Insurance?
Retail Store / Service Insurance Varies Depending on Several Variables. Please See The Chart Blow For Further Details.
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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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