Business Owners highlights

Here you will find more in-depth information regarding Media Insure's Business Owners plan, including claims coverage definitions, policy benefits and service features. If you still have questions after going over the materials below, please consult the FAQ, contact us here, or call our toll-free number, 1-800-414-2929.

  • Property and liability coverage for the following items: (Click on an item to learn more)
    • Accounts receivable
      1. Your agency cannot collect outstanding billings because of lost or damaged account records.
    • Buildings and personal property
      1. Your agency needs to repair or replace your buildings or other items like furniture or fixtures after they are damaged by a fire or something else that your insurance covers.
    • Business income interruption
      1. Your agency needs to retain its normal rate of earnings after it is shut down for an extended period of time.
    • Computers and media
      1. Your agency's hardware or software systems are crippled by physical loss or damage, computer viruses, or data loss.
    • Employee dishonesty
      1. Your agency's employees commit fraudulent acts in connection with company finances or property.
    • Fine arts
      1. Your agency wants to protect its private collection of valuable items such as paintings and sculptures.
    • Forgery
      1. Your agency suffers a loss as a result of unlawful alterations made to checks, bank drafts or credit card receipts.
    • Newly acquired property
      1. Your agency wants to protect its buildings that are either recently completed or still under construction.
    • Property of others
      1. Your agency accidentally damages another's property while in its care. This can include leased or rented items such as computers, copy machines, and telephone systems.
    • Property off-premises
      1. Your agency needs to repair or replace business property that is located away from your main location.
    • Transit
      1. Your agency's business property is lost or damaged while being transported from one location to another.
    • Valuable papers and records
      1. Your agency's most important documents are lost or damaged and need to be restored.
    • Bodily injury
      1. Your agency is held responsible for an individual's physical injury or mental anguish.
    • Employment benefits
      1. Your agency acts negligibly or makes errors or omissions in managing its employee benefits programs.
    • Fire, lightning and explosion
      1. Your agency is contractually obligated to pay for fire, lightning, or explosion damage to your leased premises.
    • Property damage
      1. Your agency must pay for damages to someone else's property.
  • Initial protection can be enhanced in customizable, economical ways with Stretch endorsements
  • Optional blanket limits of up to $350,000 that apply to a combination of Property Insurance coverages, instead of having a set insurance limit for each coverage
  • Aggregate limits of up to $4,000,000 that covers liability claims over a one-year period, regardless of the number of individual losses that may occur
  • Access to teams of risk management experts who offer educational information on how to protect your agency and prevent losses
  • Flexible payments plans that help to meet your cash flow needs, including automatic deductions from your checking account at no extra charge
  • Standard property insurance deductible of $250 with options of $500, $1,000, $2,500 and $5,000 available
  • Worldwide coverage for valuable property during business travel, including laptop computers
  • Superior service from a nationwide network of professional claims personnel focused on efficiently handling your claims
  • No charge for certificate of insurance
  • Quick, simplified application process

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