Special Multi-Peril
Policy
As a
business owner, you are used to taking risks. But when it
comes to the potential loss of the assets used in your
business, you know that's a risk you cannot afford to take.
You can protect those assets through insurance with N.C.
Grange Mutual. N.C. Grange Mutual offers two levels of Special
Multi-Peril protection that can protect both commercial
building(s) and the personal property used in your business.
We take pride in our high quality, competitively priced
policies which provide the coverage you need as a business
owner. N.C. Grange Mutual's Special Multi-Peril policy is a
"package" policy designed to meet the needs of today's small
business owner.
N.C.
Grange Mutual's Special Multi-Peril policy is designed
especially for those smaller commercial-type risks such as
churches, small mercantiles, beauty and barber shops,
warehouses, offices, public buildings, and small apartment
buildings (5-10 units). Please see your local agent for
help in determining your insurance needs and the coverages
available to you.
The
Special Multi-Peril Policy provides protection from multiple
perils for both physical damage and liability. As a "package
type" policy, various types of coverages are offered under one
policy.
The
Standard Coverage includes:
Building(s)
Contents - if desired
Bodily Injury
Liability
Property Damage Liability
Medical Payments to
Others
What
these standard coverages protect:
• The building(s) listed
on the policy, including attached additions and
extensions
• Fixtures, machinery, and
equipment constituting a permanent part of the building
•
Business personal
property in the covered building(s)
• Liability arising from
lawsuits for bodily injury or property damage as well as the
cost of legal defense
• Medical payments which
may be necessary because of injuries suffered by others on the
insured premises
In
addition, the policy also covers:
• Newly acquired property
- limited
• Damage to business
personal property occurring off premises when off premises for
the purpose of cleaning, repairing, reconstruction, or
restoration
• Outdoor Trees, shrubs
and plants
Optional Coverages include:
• Theft of money,
securities, and other property - churches only
• Replacement Cost
Coverage
• Glass Coverage
• Outdoor Signs
• Optional Perils
Endorsement including Glass Breakage (limited coverage),
Falling Objects, Weight of Ice, Sleet, and Snow, Water Damage,
Collapse
• Loss of Income
• Fire Liability
• Fire Department Service
Charge Coverage
... and more
You
could possibly qualify for premium credits such
as:
Higher
Deductible Credit
What
property perils are covered?
Fire
Lightning
Debris removal after a loss has
occurred
Windstorms and
Tornados
Hail
Explosions
Strikes and
Riots
Aircraft
Vehicle
damage
Smoke
Vandalism
Any peril not specifically
excluded - Broad Form Plan only
NOTE: Some Coverages or discounts may not apply
depending on the plan. Some exclusions and limitations may
apply. Please see an agent near you for
assistance in determining your insurance needs and the plans
and coverages available to you.
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