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Retail

As the owner of a retail or service business, one of the most
important things you can do to protect your investment is to choose an insurance program that is specifically designed for your industry.

Your insurance needs may change over time as your business grows, but it's important to start out with protection designed specifically for your industry. You may also need to consider protection for you employees should they be injured on the job

To learn more about our comprehensive protection,
please contact your IronPoint agent today.

Retail/Service Coverages

Here are some of the coverage options that are available to you to help
you with your insurance needs:

Property and Inland Marine

1. Buildings at Replacement Costs or Actual Cash Values
2. Automatic Increase in Building Amount (inflation guard)
3. Contents at Replacement Costs or Actual Cash Values
4. Automatic Increase of the contents for seasonal fluctuation
5. Loss of income & extra expense on an actual loss sustained basis for
12 months or other extended period
6. Loss of income & extra expense from power interruption
7. Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
8. Comprehensive equipment breakdown coverage
9. Coverage extension to newly acquired buildings and contents
10. Fire department service charge and extinguisher recharge cost
11. Debris removal & pollutant clean up cost
12. Back up of sewers or drains
13. Accounts Receivables and Valuable Papers coverage
14. Computer equipment including Media & Records
15. Earthquake or earthquake sprinkler leakage
16. Transportation (Transit) Coverage
17. Spoilage Coverage
18. Bailee Coverage

Crime

1. Employee Dishonesty
2. Money & Securities - from both inside and outside the premises
3. Forgery & Alteration
4. Money Orders & Counterfeit Currency

General and Other Liability

1. Operations and Premise liability including parking lot liability
2. Personal and Advertising injury liability
3. Products and Completed Operations liability
4. Contractual and Owners Protective liability
5. Hired and Non-owned automobile liability
6. Employee Benefits Liability
7. Liquor legal liability

Automobile Liability