woman working at a deli/coffee shop


Whether you’re a “solopreneur” or lead a team of hundreds, your company needs protection from the risks of business ownership.


Coverage Highlights

Business Income & Extra Expense Actual Loss Sustained — No Waiting Period 

If you can’t operate your business because your property or equipment is damaged, we’ll help cover your costs, up to the actual amount of lost income.

Damage to Premises Rented to You 

Not every business owner also owns their building. If you rent your shop and it is damaged, up to $50,000 of costs are covered.

EPLI-Free Defense Reimbursement 

This coverage pays your business back if you must defend against a lawsuit connected to a worker’s employment. This has a limit of $10,000.

Equipment Breakdown 

Coverage specifically for the tools and machines you need in your business is included with the policy.


Other Features Include…

Additional Coverages

  • Accounts Receivable: $10,000 on premises, $5,000 off premises
  • Basic Liability: $300,000 (higher limits available)
  • Buildings and Personal Property: Replacement cost
  • Contractual Liability
  • Medical Payments: $5,000 per person 
  • Money and Securities: $10,000 on premises, $2,000 off premises
  • Valuable Papers: $10,000 on premises, $5,000 off premises

Optional Coverages

  • Business Computer
  • Employee Benefits
  • Employee Dishonesty

Preferred Risks

These types of business offer especially competitive rates and special enhancement endorsements.

  • Auto parts stores
  • Baked goods and bakeries 
  • Coffee, tea, and spice shops 
  • Copying and duplicating services 
  • Dairy offices
  • Delicatessens 
  • Floor covering stores 
  • Florists 
  • Funeral homes
  • Gift shops
  • Mini-Warehouses
  • Monument dealers
  • Pizzerias (no delivery)
  • Print shops
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    Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.

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