Product AdvantagesBusiness Owners coverage formBusiness income on actual loss sustained basis with a stated limitNo coinsurance clauseReplacement cost coverage availableNon owned and hired car available if there is no deliveryEligibility Criteria Up to $3,000,000 in annual salesTotal store are of up to 7,000 square feetNo more than two losses of claims per coverage partIneligible RisksProducts sold under applicants name or labelSale of children's or infant's merchandiseConsignment, used or salvaged productsSale of fur productsSales of orthopedic shoesCostume sales or rentalsNo direct importing of productsRisks that do not have 100% wiring on circuit breakersRisks with aluminum wiringRisks located in Alaska, Hawaii or LouisianaAny prior, existing or pending backruptcy within the past 5 yearsAvailable LimitsLiability $1,000,000 occurrence $2,000,000 aggregateProperty maximum of $3,000,000Submission RequirementsOur completed application, signed by insured in order to bindRepresentation of losses for the past 3 years or as long as the applicant has been in business if less than 3 years
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