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For "Main Street" businesses
Our business insurance programs are
comprehensive When you purchase a Deluxe Business Owners Policy from
Harleysville, you can expect the best possible combination of tried-and-true coverages you
need for your buildings, contents, premises and operations. Our package includes the
special coverages for your business, plus you can add plenty of optional coverages and
related life insurance protection. The result is a customized insurance program that meets
your needs while providing extraordinary value for your insurance dollars.
If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
Exceptional built-in coverage features
Over and above all the coverages you’d expect in a standard business policy, our
program automatically covers:
- Valuable papers and records If computer or paper documents are damaged, you have
coverage to pay toward research needed to reconstruct them. Optional limits ranging up to
$250,000 are available to insure documents on your premises.
- Business personal property off premises Your equipment, supplies and other items
you use in your trade are insured off premises and in transit are covered.
- Property of others Our deluxe program includes coverage to insure damage that
occurs on your premises to property of others that is in your care.
- Money and securities Your business funds are covered on and off premises for
theft, destruction or disappearance.
- Accounts receivable You have coverage to help you "recoup" money owed
to you that destroyed records prevent you from collecting.
- Water backup Your buildings and business property are insured for damage caused
by backed-up sewers or drains.
- Loss of income If covered damage on premises interrupts your business activity,
we provide unlimited coverage for up to 12 consecutive months for any loss of income you
incur. Within that year, we’ll continue coverage for up to 30 days after
repairs are complete if your income has not returned to normal levels. Also covered are
extra expenses you incur to keep your business going.
Plus many other tried-and-true coverages to guard your business against financial loss.
Optional coverages for your business
We offer over 35 options to help you customize your physicians program, including:
- Professional liability We offer very competitive professional liability rates.
- Systems breakdown For heating, air conditioning and electrical systems used to
maintain your business.
- CompuPak® Comprehensive coverage to insure your information processing systems
against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many
other types of loss. Covers both your hardware and software.
- Group coverages Group term life and short-term or long-term disability coverage
is available to protect—and help you retain—your employees. The cost is
surprisingly low.
- Business continuation This coverage integrates a funded buy/sell agreement into
your plan, protecting the interest of the owners of your practice and the future of your
operations.
- Building ordinance or law coverage To cover increased costs in construction
related to local or federal regulations.
- Employee dishonesty With your choice of limits per occurrence.
- Employment practices liability This coverage protects you against loss resulting
from a wide range of employee lawsuits, including discrimination, sexual harassment and
wrongful termination.
- Employee benefits liability coverage To protect you against errors and omissions
in administering your employee plans.
- Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
funds.
- Workers compensation Yes, this absolutely essential coverage is available for
your business. Ask your agent for details.
Life insurance to protect you and your business
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans Owners of small businesses can turn to either a SEP-IRA
or a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection This coverage can secure the funds needed to pay off a
company’s debt upon the death of an owner, helping the business continue as a viable
entity during this difficult time.
- Non-qualified executive plans A business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of the business.
Your other insurance needs
Harleysville offers a full line of products to cover all of your other business and
personal protection needs:
- Automobile For your business and personal use
- Homeowners Complete coverage for your personal property and liability needs
- Life Choose from a wide variety of life insurance plans to protect you and your
family
- Excess liability Broader coverage for losses above the limit of your underlying
policies
- Shipmate® Coverage for your boat and liability for protection for you
- And much, much more
Want to know more about our business owners program? Contact an agent in your area, or get in touch with our office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.
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