Business Insurance

RJS and Associates provides Business owners Advantage policies is designed to provide affordable quality protection for retail business and offices. It contains a host of special optional coverages to address your specific needs.

Property Protection

Business owners Advantage includes coverage for your buildings, permanently installed equipment, outdoor fixtures, business personal property (including computer systems), electronic media and records, and your interest in tenant improvements and betterments.

Other coverages can include:

Accounts Receivable, Money and Securities, Forgery or Alterations, Debris Removal, Outdoor Property, including signs, Newly Acquired Property, Property in Transit or Temporarily Off Premises, Valuable Papers and Records (cost of research), including electronic or magnetic media, Property of Others while in your care, custody or control.

Liability Protection

Liability coverage is valuable protection in the event you are sued due to a negligent act in the course of your business. This important protection is an automatic feature of Business owners Advantage, and is available in various amounts to serve your needs.

The following items are included:

• Premises and Operation
• Hired and Non-owned Auto*
• Products/Completed Operations
• Personal Injury
• Advertising Injury
• Fire Legal Liability
• Medical Expense
• Primary and Noncontributory Coverage*
• Waiver of Subrogation

Loss of Income

Your business income is paid, up to twelve months, when your business is interrupted by an insured peril. Business owners Advantage also pays for certain extra expenses needed to resume normal business operations.

Special Features

In addition to the coverages outlined here, you will also benefit from special features found in Business owners Advantage:

• Replacement Cost Coverage
  Pays the cost of replacing your buildings or business personal property with materials of like kind and quality at current prices. Coverage on an actual cash value basis is optional.
• Equipment Breakdown Coverage
  Covers physical and financial damage from an insured equipment failure. Coverage for many types of equipment including: electrical distribution systems, HVAC, telephone and electronic systems and equipment.
• Automatic Increase in Insurance
  Prevents inflation from devaluing your insurance protection by automatically increasing the amount of coverage on your buildings each year. A choice of percentages is available on an optional basis.
• Peak Season Coverage
  Increases your limit for business personal property automatically – a valuable feature if your inventory fluctuates seasonally.
• Deductible Options
  Allows you to choose higher deductibles for additional savings.
• Premium Discounts
  Lowers your payments with credit for qualified protective systems.
• Payment Plans
  Spreads out your premium payments to free up capital for current business needs.

Other Optional Coverages

Depending on your exact business needs, you may want to include some of the following coverages in your policy:

• Utility Services – Direct Damage
• Employee Dishonesty
• Employee Benefits Liability
• Outdoor Signs in Higher Limits
• Accounts Receivable in Higher Limits
• Valuable Papers & Records in Higher Limits
• Earthquake
• Spoilage Coverage