Insurance coverage tailored for
retail floral businesses.
American National Property and Casualty
Company's (ANPAC®) Businessowners Advantage policy
was created to provide affordable quality protection
for retail floral businesses.
Property Protection
Businessowners Advantage includes
coverage for your buildings, permanently installed
equipment, outdoor fixtures and business personal
property.
Other Coverages 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 of a lawsuit for a negligent act in the
course of your business. This important protection
is an automatic feature of Businessowners Advantage,
and is available in various limits to accommodate
your needs.
The following items are included:
- Premises and Operations
- Hired & Non-owned Auto (available in most
states)
- Products/Completed Operations
- Personal Injury
- Advertising Injury
- Fire Legal Liability
- Medical Expense
Loss of Income
Your business income is paid, up
to twelve months, when your business is interrupted
by an insured peril. Businessowners 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 Businessowners 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.
Deductible Options. Allows
you to choose higher deductibles for additional savings.
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.
Premium Discounts. Lowers
your payments with credit for qualified security systems.
Payment Plans. Spreads out
your premium payments to free up capital for current
business needs.
Optional Coverages
Depending on your exact business
needs, you may want to include some of the following
coverages in your policy:
- Extended Refrigeration Coverage for Florists
- Utility Services - Direct Damage
- Employee Dishonesty
- Employee Benefits Liability
- Glass Coverage
- Outdoor Signs in higher limits
- Accounts Receivable in higher limits
- Valuable Papers & Records in higher limits
- Earthquake
- Spoilage Coverage
