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Your personal lines policy does not provide
liability for business operations, and only provides $500 Business property coverage while
on the premises.
Our Home - based Business program will
provide coverage for your business liability and your business property at
Actual Cash Value or Replacement Cost as well as the following coverages:
Standard
BOP Coverages -  |
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- Additional Expense - $1,000
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- Products Coverage - Automatic
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- Loss of Income - Actual up to 3 months
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- Medical Payments - $500/$10,000
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Deluxe BOP Coverages - |
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- Additional Expense - $1,000
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- Personal Injury - Included
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- Loss of Income - Actual up to 6 months
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- Seasonal Variation - 25% of Business Property limit for
stated 90-day period
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- Valuable Paper/Records - $1,000
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- Accounts Receivable - $1,000
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- Products Coverage - Automatic
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- Employee Dishonesty - $1,000
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- Medical Payments - $1,000/$25,000
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- Money and Securities - $1,000
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| Types of Eligible
Risks - |
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- Barber Shop & Beauty Salon
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- Gift, Novelty, Souvenir Store
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- Record, Tape, Video Store
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- Book, Card or Magazine Shop
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- Candy, Nut, Confectionery Store
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- Tailor, Shoe Repair, Other Service Classes
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In addition to the basic
Home-based Business form which could cost you as little as the minimum premium of $100,
you can add Broad Form coverage (form FMIC HOB - 1, edition 7/98) which provides the
following enhanced coverages for an additional premium of $50.00 -
Accounts Receivable -
$5,000
Employee Dishonesty -
$2,500
Exterior Signs - $2,000
Money and Securities -
$2,000
Valuable Paper/Records -
$2,000
Loss of Earnings -
Interruption of Off-Premises Power, Water, Communications Systems - $1,000. All loss - One
event; $2,500 all events during policy period.
Transportation Coverage -
Merchandise $5,000 per occurrence while aboard conveyance of common/contract carrier; or,
$1,00 per occurrence while conveyed by you.
Employer's Non-Ownership
Auto
If you operate a Barber Shop or Beauty
Salon, we can provide the above Board form coverages and the required
Beauty or Barber Shop Professional Liability (form FMIC HBB-1, edition 7/98) for an
additional premium of $71.00 for Barber Shops or $88.00 for Beauty Salons.
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Our Products:
Our
Products Main Page | Entrepreneurship Series - Home
Based Business.
Eligible
Classes for Businessowners's Retail and Service Classifications
Eligible Classes for Inland Marine
For further information regarding our policies,
send e-mail to
info@fulmontmutual.com, or write to us at:
Fulmont Mutual Insurance Company
P.O. Box 487, Johnstown, NY 12095-0487
Copyright Fulmont Mutual Insurance Company. All rights reserved.
This web site was developed by Empire Web Pages on June
07, 1997.
This page was most recently updated on
June 06, 2018.
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