What’s CoveredBankers Retail Protection Bankers Insurance Group has over 40 years of insurance experience, and we pride ourselves on understanding the needs of our customers. Bankers offers coverage designed for small or big retailers in today’s competitive marketplace. To prepare and be protected from the emerging risks, now is the opportune time to get insured with Bankers

• Automobiles Parts & Supplies, Bicycle Shops,Delicatessens, Dry Good Dealers, Bakeries

• Florists, Furniture (Upholstered, Wood or Metal),Glass Dealers & Glaziers, Janitorial Supplies, Jewelry

• Medical, Optical Goods, Plumbing Supplies &Fixtures, Tobacco Products

Showcase your investment... Let Bankers insure it.

Customer Service 800.627.0000 x4900 | bankersinsurance.com

Business Owners Policy

Retail Coverage

When it comes to the retail industry, we’re readyto handle a cart full of business.

Our Retail Business coverage can be tailoredwith various other optional coverages to providethe insured with the best package.

BIG

50

2 0

118

Examples of Comprehensive Coverage at No Additional Cost

Our complete online system makes writing easy:

• Process from quote to application

• View existing policy information, including payment and policy status

• Submit and view endorsements and cancellations, keep signed documents

• Quote new business up to 60 days out

• Report insured claims, receive claim number instantly

• Access underwriter directly

• Generate individual or agency loss run reports

• Use convenient payment plans with American Express, Visa, MasterCard, and Discover

Coverage Feature Limits

Accounts Receivable $25,000 at premises/$5,000 off premises

Additional Insured Lessor of Leased Equipment

Included

Business Income and Extra Expense

25% for coastal counties - 12 months; actual loss sustained available for inland counties and coastal x-wind

Business Income from Dependent Properties

$5,000

Business Personal Property Within 1,000 feet of premises

Business Personal Property - Seasonal Increase

The policy limit on business personal property will also automatically increase by 25% to provide for seasonal variations.

Damage to Premises Rented to You (Fire Legal Liability)

$300,000

Debris Removal - Increased Limits

25% of the loss up to a maximum of $25,000

Electronic Data Additional Coverage

$10,000

Employee Dishonesty $10,000

Fine Arts $50,000, $500 per item limit (without an appraisal)

Fire Department Service Charge

$25,000

Fire Extinguisher Systems Recharge Expense

$5,000

Forgery and Alteration $10,000

Fungi or Bacteria Coverage - Property

$15,000

Glass Coverage Included (in the building limit for the building owner and in the contents limit for the tenant)

Guests’ Property on Premises Motels/Hotels/Bed & Breakfasts ONLY

$25,000, $1,000 per guest limit

Interruption of Computer Operations

$10,000

Inventory or Appraisals $5,000

Coverage Feature Limits

Lock and Key Replacement $5,000

Mechanical Breakdown $50,000

Money and Securities $10,000 inside/$2,500 outside

Money Orders and Counterfeit Paper

$5,000; $500 deductible

Newly Acquired Property Coverage Extension

Buildings at $500,000; contents at $250,000; coverage period is 180 days.

On Premises Swimming Pool - Liability

$20,000

Ordinance or Law Coverage $25,000 included for increased cost of construction, undamaged portion and demolition; $10,000 increased cost of construction

Outdoor Property - Named Perils Only - Fire, Lightning, Explosion, Riot and Civil Commotion, or Aircraft

$10,000 but not more than $2,500 for fences or walls, $1,000 for any one tree, shrub or plant, $1,000 for antennae and satellites and $5,000 for signs (unattached).

Patterns, Dies and Molds $5,000

Personal Effects $5,000 personal effects; max of $1,000 any one employee.

Personal Property Off Premises (Including Transit)

$25,000

Pollutant Clean Up and Removal

$10,000

Property Damage Liability - Borrowed Equipment

$10,000

Reward Coverage $10,000

Signs - Attached $5,000

Spoilage Coverage $5,000

Supplementary Payments Includes the cost of bail bonds, attorney fees, loss of earnings up to $250 a day.

Utility Services Direct Damage $10,000

Valuable Papers and Records $25,000 at premises/$5,000 off premises

Water Backup and Sump Overflow

$25,000

Wind and Hail - Added as Covered Causes of Loss for Outdoor Property

Included