Strictly Business

Founded in 1946, Shelter Insurance is headquartered in Columbia, Mo. and provides a variety of competitively priced financial products and services, as well as comprehensive insurance programs such as:

Business Insurance

If you are an owner-operator, lease to others or are a tenant, your insurance needs may be fulfilled with this business policy.

Under one policy, you can obtain protection for your:

property
business liability
loss of income
many optional coverages

Property Coverage Protection for:

Owned building(s) including:

additions and extensions attached to building
material and supplies for use in construction, alteration or repair of the buildings
outdoor antennas on insured premises up to $200
fixtures and equipment constituting a permanent part of the business building and pertaining to service of building
floor coverings

Up to 5% of buildings coverage on other structures (additional amounts available) including:

yard fixtures
signs
swimming pools

Business personal property including:

business personal property owned by the insured and usual to occupancy of the building
furniture, fixtures, merchandise, stock and supplies
refrigeration and ventilation equipment
cooking, dishwashing and laundering equipment
outdoor furniture
tenants improvements and betterments

Loss of income coverage including:

loss of income from rents or earnings

Additional coverage (subject to limitations) including:

automatic coverage on newly acquired property for 30 days (buildings and business property)
off-premises coverage
trees, shrubs, plants and lawns from certain specified perils
extra expense coverage
personal effects
debris removal
accounts receivable
valuable papers and records
fire extinguisher recharge
transportation
elevator collision
fire department charges
emergency removal
seasonal automatic increase – Coverage B
theft damage to buildings
currency, money, securities and stamps
personal property of others

Property coverage may be written to insure against accidental direct physical loss to buildings on a replacement cost basis and business personal property for actual cash value.

Shelter’s Special Form Coverage protects against accidental direct physical loss, including the following perils unless specifically excluded in the policy.

Fire
Lightning
Windstorm and hail
Explosion
Riot or civil commotion (including loss by looting)
Loss caused by vehicles (damage to your property)
Damage by aircraft
Broad smoke damage (all smoke losses except agricultural or industrial operation)
Vandalism or malicious mischief
Collapse of buildings
Breakage of glass
Theft
Falling objects (falling tree or other objects)
Weight of ice and snow (to building and contents therein)
Water heating system loss (explosion of hot water systems or appliances)
Chemical or acid spills
Accidental damage to building
Spilled paint

Liability Exposures

Lawsuits (attorney fees, court costs, etc.)
Property damage legal liability
Injuries to guests or other visitors on your premises
Damage to property of others
Non-owned cars

Business liability protection for:

bodily injury legal liability
property damage legal liability
personal injury legal liability
premises medical payments
employers non-ownership automobile liability

Optional coverages available include:

extended coverage for outdoor radio and television equipment
garage keepers legal liability
earthquake damage assumption (not available in all areas)
trees, shrubs, plants and lawns – windstorm coverage
piers, bulkheads, wharves and docks coverage including collapse
replacement cost coverage – business personal property
valuable papers – increased limit
products and completed operations
glass coverage for building (tenants)
loss assessment for business condo
accounts receivable – increased limit
burglary and robbery – increased limit

All coverages are subject to the exclusions and conditions in the policy. There are certain causes of loss to property that are excluded and you should review the form for a complete analysis. However, among losses to property that are not covered are losses due to wear and tear, marring or scratching, mechanical breakdown, rust, vermin, birds, rodents, insects or animals, floor and surface water, water backup, subsurface water, earth movement, pollution, interruption of electrical power, and damage to domestic systems from freezing while the building is vacant.

This information summarizes some of the principal points of coverage and policy provisions. See policy for all terms and limitations.

Let Shelter Insurance, which has more than 1,400 agents in our 14-state operating area, save you time and money when insuring your most valuable assets. To learn more about our company and all of our services, simply follow the links to our web site at www.shelterinsurance.com