Business OwnersBusiness owners insurance policies include coverage for property and liability into one policy for those risks that are eligible. A nice feature of a Business Owners policy is actual loss sustained coverage for Business Income and Extra Expense for up to 12 months. Some types of businesses that may be eligible are:
- Apartment Buildings
- Limited Contractors
- Fast Food Restaurants
- Self-Storage Operations
- Wholesale Risks
- Office Buildings
- Light Processing or Service Risks
- Convenience Food/Gasoline Stores
- Laundries and Dry Cleaners
Commercial Property provides coverage for a business' building and business personal property.
Commercial Auto provides coverage for vehicles owned by a business including truckers and motor cargo coverage.
General Liability provides coverage for a business' liability exposures.
Garage Liability/Garagekeepers provides coverage for car dealerships, towing operations and auto repair shops.
- Notary Public
Contractors Insurance provides property and liability coverage for residential, commercial and artisan contractors. Here are just a few examples of the types of contractors First Western Insurance can insure:
- Plumbing & Heating
- Floor Covering
- Landscapers/Lawn Care
- Cabinet Makers
- Cable Installation
- Tree Service
www.nd.gov/sos - Secretary of State
Commercial Umbrella policies can provide an additional $1 to $5 million of liability coverage over your primary business policy limits.
Coverage is available for commercial structures up to a maximum of $500,000 for the building and $500,000 for the contents.
There is a 30 day waiting period from the date of purchase.
www.floodsmart.gov - NFIP
First Western Insurance is an independent insurance agency representing several insurance companies with two convenient locations to serve you. We are licensed in ND, MN and AZ.