By having multiple programs available, Preferred Mutual is able to meet your business needs. Preferred Mutual has a Businessowners policy (BOP) and a Commercial Package policy (CPP) that is able to offer standard or special coverage as well as multiple valuation options for your building and contents.
This program is designed for the small business owner. You are able to choose optional coverages to add to the basic policy to fit your business needs.
Eligible risks include:
| Bakeries |
Barber Shops |
| Beauty or Nail Parlors |
Clothing & Apparel Stores |
| Convenience Stores |
Delicatessens |
| Drug Stores |
Furniture Stores |
| Gift Shops |
Hardware Stores |
| Insurance Agents |
Laundries & Dry Cleaners |
| Law Offices |
Medical Offices |
| Real Estate Agents |
And many more |
The Commercial Package policy (CPP) provides coverage for many classes:
- Machine shops or small manufacturing operations
- Strip malls
- Wholesale operations
- Auto repair or service shops
- Gasoline stations
- Shopping centers
- Upholstering
- Car wash
- Warehouses
- And many more
Preferred Mutual's basic programs:
- Provide protection for your building
- Provide protection for your contents
- Provide Equipment Breakdown coverage
- Provide protection for Business Income & Extra Expense* (*Small fee on the CPP)
In addition to the basic coverage, Preferred Mutual offers additional coverage for:
- Hired Auto & Non-Owned Auto Liability
- Valuable Papers & Records
- Accounts Receivable
- Outdoor sign coverage
- Computer coverage
- Spoilage
- Employee Dishonesty
- Enhancement endorsements
For selected classes, Preferred Mutual is able to offer additional coverage for:
- Professional Liability (BOP)
- Liquor Liability
- Directors & Officers' Liability (BOP)
Our competitive pricing makes it easy to add Commercial Inland Marine to any BOP or CPP to protect:
- Camera Floaters
- Bailee Customer goods
- Tool floaters
Discounts are available on both programs for:
- Central station fire alarm
- Central station burglar alarm
- Local fire/burglar alarm
- Perimeter lighting
- Sole occupancy
- Owner occupied
When higher liability limits are needed, don't forget to look into our
Umbrella policy.
Check out Preferred's
Commercial Auto,
and
Flood Program to further meet your business needs.