BUSINESS OWNERS POLICY

 Property Coverages Available
Building and Contents -- Replacement Cost Protection
Business Income -- Protection against loss of earnings while repairs are made
Peak Season -- Protects your inventory when it varies by the season for up to 25% of your contents limits
Glass Breakage – Included in building limit
Off Premises Power Interruption -- $10,000 Limit
Computer Equipment -- $10,000 Limit, includes electrical disturbance from off premises source
Food Spoilage -- $10,000 Limit
Backup of Sewers and Drains -- $10,000 Limit
Money and Securities -- $10,000 Limit inside, $2,000 Limit outside
Outdoor Signs -- $5,000 Limit
Employee Dishonesty -- $10,000 covers loss from dishonest acts of employees
Accounts Receivable -- $20,000
Valuable Papers -- $10,000
Equipment Breakdown – Comprehensive coverage for equipment

 Liability Coverages Available
Bodily Injury and Property Damage -- Liability on the insured’s premises
Products and Completed Operations -- Liability for injury resulting from your products or services
Employee as Additional Insured -- Coverages employee for acts within the scope of their employment with you
Medical Expenses -- Covers, without regard to your liability, minor medical expenses incurred by certain person on your property
Personal Injury and Advertising Injury -- Such as libel, slander, false arrest
Non-Owned and Hired Auto Liability -- Covers your liability for the use of vehicles not owned               
 by the business, but used while in the course of business

 Optional Coverages Available
Choice of Deductibles -- $500, $1,000 or higher
Choice of Liability Limits -- $500,000 or $1,000,000

WORKERS COMPENSATION POLICY

 Coverage Highlights
Coverage A -- Benefits as described by Michigan Law
Coverage B -- Employers Liability, Options of $100,000 & $500,000
Rates -- Lower rates apply if the gross sales of ice cream items are over 50% of total sales