PCUS is the answer for small business owners

We offer you a Business Owner Policy (BOP) through our Premises Commercial Uni-Saver program (PCUS).

This policy is the answer for coverage for both the small and mid-size business owner. It combines property and liability protection with a variety of optional coverages, giving you the opportunity to custom-design the coverage that fits your needs.

It provides property coverage on building and business personal property for direct physical loss; liability coverage and crime coverage.

PROPERTY COVERAGES*

• Business personal property
• Property off premises
• Transit coverage
• Valuable papers
• Accounts receivable
• Peak season coverage
• Business income and extra expense
• Glass Coverage
• Debris removal
• Newly acquired or constructed property
• Automatic inflation guard on building and contents
• Fire extinguisher recharge
• Fire system recharge
• Lock replacement
• Electronic Data Processing (EDP) equipment
• Sewer backup
• Attached outdoor signs
• Ordinance or law
• Fire department service charge
• Outdoor property
• Off-premises service interruption
• No coinsurance

 LIABILITY COVERAGES*

• Bodily injury and property damage
• Premises and operations
• Contractual coverage
• Products and completed operations
• Personal injury and advertising injury
• Legal liability coverage
• Host liquor liability
• Employees as insured
• Worldwide products
• Medical payments

 OPTIONAL PROPERTY COVERAGES*

• Replacement cost coverage
• Food spoilage coverage
• Glass deductible buyback
• Additional valuable papers
• Additional accounts receivable limits
• Signs and antennas coverage
• Additional sewer backup coverage

 OPTIONAL LIABILITY COVERAGES*

• Employee benefits administration
• Hired and non-owned auto
• Care, custody and control coverage
• Professional liability, including:
  • Veterinarians
  • Morticians
  • Beauticians & Barbers
  • Printers
  • Florists