Because it's a package, it costs you less than the same coverages would under separate policies. The premium can be paid monthly or yearly, depending upon the size of the premium.

Best of all, you are assured of fast, fair, friendly service from us here at Theodore Insurance Agency.

Building Inclusions:

ALL BUILDINGS at the described locations.

ANY ADDITIONS and/or extensions attached to such insured buildings, except for outdoor signs.

ALL PERMANENT servicing equipment, machinery, or fixtures.

YARD FIXTURES and such of your personal property used for maintenance or service.

Business Personal Property Inclusions:

BUSINESS PERSONAL PROPERTY usual to the type of business.

FURNITURE, fixtures, equipment, and supplies not otherwise covered under this type of policy.

INTEREST IN PERSONAL PROPERTY owned by others, while on your premises.

Property Covered Also Includes:

NEWLY ACQUIRED PROPERTY... automatic 30 day coverage up to 10% and not exceeding $25,000 of the amount of insurance on buildings, and up to 10% not exceeding $10,000 of insurance on business personal property away from your premises.

OFF-PREMISES... up to 2% of the combined amount of insurance for the building and personal property, but not over $5,000 to cover certain property while temporarily removed for repair, cleaning, etc.

PERSONAL EFFECTS... up to $100 per person, with a $500 maximum for non-business personal effects of your employees or your employees while at the described location.

LANDSCAPING... trees, plants and shrubs are covered for certain perils up to $1,000 with a $250 limit per item.

REPLACEMENT COST ON BUILDING... no depreciation is taken for smaller losses up to $1,000. You get "new for old" on these partial losses, if you meet actual cash value coinsurance requirements.

VALUABLE PAPERS AND RECORDS... up to $500 per occurrence for additional expenses to reconstruct your business records damaged or lost, as a result of a covered incident.

EXTRA EXPENSE... up to $1,000 for extra expenses to continue normal business operations, following an insured loss.

PERSONAL PROPERTY OF OTHERS... while held by you is covered up to 2% of the amount of personal property insurance you carry, but no more than $2,000.

Optional Protection Available:

INCREASED COVERAGE for valuable papers & records and extra expense.

FULL REPLACEMENT COST... extends basic replacement cost coverage listed above, based on total amounts of insurance you carry. Must comply with full replacement co-insurance requirements.

SPRINKLER LEAKAGE

EARTHQUAKE

VANDALISM AND MALICIOUS THEFT

OPTIONAL PERILS... includes VM&M, water damage, falling objects, weight of ice, snow or sleet, collapse of building, limited glass coverage.

LOSS OF RENTS... replaces rental income, less non-continuing expenses, for time needed to repair or replace damaged property.

Liability Inclusions:

COST OF PREMIUMS... for appeal bonds or any bonds to release attachments.

ALL EXPENSES... for defending you, including lawyer's fees and court costs.

REASONABLE EXPENSES... you may incur at the insurance companies request, including your loss of earnings up to $25 per day.

Optional Liability Protection:

PRODUCTS AND COMPLETED OPERATIONS... Bodily Injury or Property Damage coverage for claims arising out of products sold, or work you have completed - after you relinquish control to the buyer.

PERSONAL INJURY LIABILITY.... covers legal liability for false arrest, slander, defamation of character, libel, malicious prosecution, invasion of privacy, wrongful eviction, or wrongful entry.

BROAD FORM LIABILITY PACKAGE... includes broad form property damage, blanket contractual, employees as additional insureds, advertising liability, fire legal liability, non-ownership watercraft, personal injury liability, and host liquor liability.

BUSINESS PREMISES MEDICAL... covers necessary medical treatment, incurred within one year, resulting from injury in your premises to persons other than your employees.

OWNED OR RENTED VEHICLES... covers bodily injury or property damage liability for any vehicles you own, purchase, rent, or use in the conduct of your business.

Additional Available Coverages:

AUTO MEDICAL

AUTO ACCIDENTAL DEATH INDEMNITY & SPECIFIC DISABILITY

CARGO

1. Named Perils
2. Broad Form

• Fire and theft
• Comprehensive car damage
• Collision coverage
• Towing and roadside assistance

After payment of damages to your own property, any remaining limit per accident is applied to expedite repairs to pay damage's to the property of others.