Property Coverage
Farmers Union Mutual Insurance understands the needs of business owners. Our Special Business Owners Policy offers you security and peace of mind by transferring many of your risks to us.

Buildings and Business Property

• Full replacement cost coverage of inventory

Supplemental* Coverages

• Up to $25,000 coverage for accounts receivable and valuable papers
  
  
• Up to $5,000 for electronic media and records
  
  
• Up to $50,000 coverage for employee dishonesty
  
  
• Up to $10,000 for money and securities inside and $2,000 outside
  
  
• Up to $25,000 business personal property off the premises
  
  
• Higher limits available
  
  
• Optional property coverage* for outdoor signs, exterior and interior glass, spoilage, burglary and robbery

*Subject to policy limits and exclusions.

Owners Coverage

Business liability policies offer you protection for all your operations and premises, whether you own, operate or lease them. The basic policy offers coverage of $300,000. (Higher limits are available.)

• Bodily injury or property damage that arises from your business operations
  
  
• Medical expenses of customers who are hurt on your business premises
  
  
• Up to $50,000 fire legal liability on rented business premises
  
  
• Business activities of your partners and employees while acting on your behalf
  
  
• Liquor liability for business functions (except when you are in the business of manufacturing, selling or serving liquor)
  
  
• False arrest, slander, wrongful entry or eviction
  
  
• Advertising that violates another's property or privacy rights
  
  
• Optional liability coverage: Professional liability (for certain kinds of businesses), employers' liability stop-gap coverage and guests' personal property