Adult Day Care Insurance
Retail Store / Service Insurance Varies Depending on Several Variables. Please See The Chart Blow For Further Details.
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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 |
| Accounts Receivable | $5,000* | $25,000* |
| Bailee Coverage – Printers | N/A | $25,000* |
| Bailee Coverage – Dry Cleaners | $100,000* | $200,000* |
| Bailee Coverage – Repair Shop | $25,000* | $50,000* |
| Computer Equipment | $10,000* | $25,000* |
| 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 |
| Outdoor Signs | $2,500* | $7,500* |
| 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 |
| Employee Dishonesty | $5,000* | $10,000* |
| 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 |
Other Helpful Resources
Three Steps To Success
We Will Help You Every Step Of The Way
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.
01
Speak To One Of Our Licensed Insurance Specialists
One of our Specialists will give you a call to identify your families specific needs.
02
Learning About All Your Insurance Options
Once we know all of your options, we can start building a plan that’s right for you!
03
Your Agent Will Build A Custom
With tailored insurance plans, we can guarantee to find you what you and your family need!
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