Retail Store / Service Insurance Varies Depending on Several Variables. Please See The Chart Blow For Further Details.
Typical Retail Coverage Summary
|Property Coverages||Basic Package Limits||Enhanced Package Limits|
|Business Income||18 months actual loss sustained||18 months actual loss sustained|
|Business Income 72-Hour Buyback||Usually enhanced only||Included|
|Seasonal Automatic Increase – BPP||Additional 25% included||Additional 25% included|
|Bailee Coverage – Printers||N/A||$25,000*|
|Bailee Coverage – Dry Cleaners||$100,000*||$200,000*|
|Bailee Coverage – Repair Shop||$25,000*||$50,000*|
|Arson Conviction Reward||$5,000||$5,000|
|Fire Department Service Charge||$1,000||$1,000|
|Fire Extinguisher Recharge||$2,500||$5,000|
|Increased Cost of Construction||$5,000||$5,000|
|Mechanical & Equipment Breakdown||Usually enhanced only||Included|
|Newly Acquired Buildings||$250,000||$250,000|
|Newly Acquired – BPP||$100,000||$100,000|
|Personal Property Off Premises||$5,000*||$5,000*|
|Pollutant Clean-Up & Removal||$10,000*||$10,000*|
|Premises Boundary||100 feet||1,000 feet|
|Spoilage Coverage (Food Stores)||$2,500||$25,000|
|Trees, Shrubs and Plants||$500 / $2,500||$500/ $2,500|
|Valuable Papers and Records||$5,000*||$25,000*|
|Crime Coverages||Basic Package Limits||Enhanced Package Limits|
|Forgery and Alteration||$2,500||$2,500|
|Money and Securities – Inside/Outside||$5,000*||$10,000*|
|Money Orders and Counterfeit Paper Currency||$1,000||$1,000|
IMD leads the way in providing products to specialized markets which include employees of federal, state, and municipal governments, small businesses as well as an array of support to other marketing organizations, agencies and producers.
One of our Specialists will give you a call to identify your families specific needs.
Once we know all of your options, we can start building a plan that’s right for you!
With tailored insurance plans, we can guarantee to find you what you and your family need!
If you want to be part of something great, you have honor, integrity, and intention to live a life. Being part of IMD Insurance & Financial Services LLC means you believe in Family, have Faith, and strive to be the best version of yourself every day. Our mission is to Inspire what is most important to our clients, staff, and team members that we are so privileged to work with. To motivate each other when we are struggling or down and consistently drive each other to be the best, they can be so that the people in their lives can be in a better place. Being part of something great is not giving up!