Small Business Insurance Policies Offered by The IMT Group

Our Businessowners Policy (BOP) is an insurance package tailored specifically to meet your needs as a small to medium-sized business owner. It is designed for you, your business and your peace of mind.

Insuring your business with The IMT Group means protection for your buildings, business personal property and liability exposures. Automatic coverage for exterior glass windows, valuable papers, accounts receivable and increased costs of construction due to building codes or laws are just a few of the ways the BOP program meets your needs.

The BOP program is proof of what it means to "Be Worry Free with IMT".

PROPERTY COVERAGES

Insured on replacement cost basis or actual cash value - the choice is yours.

• Buildings
• Business personal property, including inventory
• Computer coverage is included as an Additional Coverage
• Electronic media and records are covered under Valuable Papers and Records
• Exterior window glass (also includes lettering on the glass)
• Outdoor fixtures
• Outdoor signs located on-premises
• No Replacement Cost Penalties

Unlike many other policies, the BOP DOES NOT have an 80% replacement cost requirement at the time of loss. You don't have to worry about being penalized after a loss.

BUSINESS INCOME AND EXTRA EXPENSE LOSSES

The BOP pays for your lost income and extra expenses incurred because you cannot immediately reopen your business after experiencing a covered loss. There is no specific dollar limit and it will continue to pay up to 12 months after the loss. In addition there is no three-day waiting period or 60-day limitation on payroll, unlike most business owners policies.

LIABILITY COVERAGES

Because of the increasing number of lawsuits and high costs of legal fees, it is important to have the best liability coverage available. We understand your concerns and have included coverage for:

• Bodily injury, property damage, and personal and advertising injury
• Medical expenses for anyone other than an insured who is injured on your premises regardless of fault
• Actual costs for legal fees to pay lawyers and court costs (these dollars are over and above the limits listed in the policy)

We would encourage you to find out more about our Businessowners program and obtain a free quote by contacting a local insurance agent today!