Liquor Liability was commonly known as Dram Shop Insurance.  It protects against alcohol related liability, which is excluded from Commercial General Liability. In particular it provides liability protection for those that sell, serve, manufacture, distribute, or furnish alcohol.  (Present in the Basic, Standard, Super and Ultra Packages)

Business Personal Property (BPP) covers the moveable items located on the business premises [indoor and outdoor].  This also includes items in vehicles within 100ft of the building. BPP will cover customer items such as coats in coat check, leased items such as gaming machines and copiers, and inventory such as liquor and napkins.  (Present in the Basic, Standard, Super and Ultra Packages)

General Liability is a key insurance coverage that most business need.  It is suitable for all businesses because it protects against claims and lawsuits involving bodily injury, damage to other people's property, as well as advertising injury.  (Present in the Basic, Standard, Super and Ultra Packages)

Assault & Battery provides protection for intentional harm done to individuals.  Harm should be considered as assault and battery. Battery is physical contact with another person that is against their will (i.e sexual contact, beating, spitting,restraining). Assault is not physical, instead it’s the threat of bodily harm by force (i.e spoken & written threats, brandishing weapons)  Because Assault and Battery is done intentional it is excluded from Commercial General Liability.  (Present in the Basic, Standard, Super and Ultra Packages)

Business Income Replacement helps replace income lost when a business is shut down and undergoing repairs after a covered claim. Because the business is unable to operate as normal business income will replace the actual amount of revenue lost.  (Present in the Standard, Super and Ultra Packages)

Workers Compensation is a state mandated insurance program that replaces wages to employees who are injured at work or become ill because of their work. In Illinois it replaces 66% of a workers weekly salary.  In addition it also pays for medical treatment, rehab, and death benefits. Workers compensation is excluded from commercial general liability.  (Present in the Super and Ultra Packages)

Signs & Glass coverage will insure glass or signs if they are damaged or stolen. When tenants do not own the building they must buy Glass & Sign coverage because it is not included under other policies such a Business Personal Property.  (Present in the Super and Ultra Packages)

Food Spoilage & Contamination: Spoilage coverage replaces any perishable (food, flowers, medicine)  items that are ruined because they were not maintained under controlled conditions.  It covers items located at the property, that are destroyed because of equipment breakdown, refrigerant contamination, and power outages. If any govt. agency shuts down your business because of contaminated FOOD, Contamination coverage will provide protection for food proved to the public.  It will cover cleaning your equipment, rp;acing the food, medical test and vaccinations for your staff, loss earnings, and advertising money to restore your reputation.  (Present in the Ultra Package)

Crime & Dishonest Employee/Employee Theft protects business when their employees steal money, property, and securities (cashier checks, money orders, stock certificates).  This also extends to forgery.  (Present in the Ultra Package)

Equipment Breakdown provides breakdown coverage for equipment you own or are legally responsible for (ie Kegerator, refrigeration system, elevators) In order to qualify as a ‘breakdown’  equipment must sustain physical damage that requires repairs or replacing.  (Present in the Ultra Package)

Water Backup provides protection when sewer water discharges into a private residence or business. This occurs when public sewer pipes become blocked and the water has no place to go. This type of water damage is excluded from Building Coverage(personal & commercial). flooding not included.  (Present in the Ultra Package)

Commercial Umbrella enhances an existing liability policy and provides increased coverage limits.  (Present in the Ultra Package)