Business Owners

Running a business is hard enough without feeling like you need to be an insurance expert too. Don’t worry, Motorists and your Motorists agent are here to help with the best coverage options and plans on the market today. We recommend you discuss your needs in detail with your Motorists agent before making any decision. Remember, our business is protecting your business.

In the meantime we’ve included some useful information on the Select Businessowners Policy only available from Motorists and your Motorists agent. You’ll find that we have a number of smart coverage plans available to protect your business.

• Building covered at replacement cost for risks of direct physical loss
• Contents covered at replacement cost for risks of direct physical loss, including theft
• Fences, signs and radio and television antennas included in building limit
• Debris removal–25%/$10,000 additional limit
• Preservation of property
• Fire department service charge–$3,000
• Business income and extra expense, including loss caused by action of a civil authority
• Extended business income–30 days
• Pollutant clean-up and removal–$10,000
• Money orders and counterfeit paper currency–$2,000
• Forgery and alteration–$5,000
• Building glass (exterior and interior)
• Theft damage for a tenant's liability for damage caused by theft to that part of the building occupied by the tenant–$5,000
• Property at newly acquired premises–$250,000 for 90 days
• Newly acquired or constructed buildings–$250,000 for 90 days
• Property off premises and in-transit–$15,000
• Trees, plants and shrubs–$5,000/$1,000 for any one tree, plant or shrub
• Personal effects–$2,500
• Money and securities–$10,000 inside/ $10,000 outside
• Employee dishonesty–$10,000
• Reward coverage–$5,000 maximum
• Lock replacement–$500
• Water backup–$10,000
• Inventory and appraisal–$2,000

(In addition to bodily injury and property damage)

• Personal injury
• Advertising injury
• Medical expenses
• Fire legal liability
• Host liquor liability
• Non-owned watercraft liability
• Contractual liability
• Worldwide products liability
• Cost of bail bonds–$250
• Cost of bonds to release attachments
• Loss of earnings to assist in defense of a claim–$250 per day
• Prejudgment interest

(Included on Select BOP at no additional cost)

• Accounts receivable
• Valuable papers
• Debris removal additional limit
• Ordinance or law coverage
• Computer coverage
• Off-premises power failure–direct damage and time element

(Available to restaurants eligible for Motorists' Select BOP)

• Fine arts coverage–$10,000
• Lock replacement coverage–$750
• Fire extinguisher recharge–$5,000
• Spoilage or contamination by a refrigerant–$10,000
• Customers' property on premises–$1,000 per customer/$5,000 aggregate
• Pollutant clean-up–$20,000
• Water backup–$15,000
• Fire department service charge–$5,000
• Trees, plants and shrubs–$7,500/$1,500 for any one tree, plant or shrub
• Newly acquired or formed organizations–90 days

(Available to contractors eligible for Motorists' Select BOP)*

• Tool floater–$5,000
• Contractors installation floater–$5,000
• Leased, rented or borrowed equipment–$50,000
• Care, custody or control coverage–$2,500
• Additional insured, lessor of leased equipment–automatic status when required in lease agreement with insured
• Products-completed operations–two times the Liability and Medical Expenses limit
• Amendment of aggregate limits of insurance per project
• Contract penalty coverage–$5,000
• Pollution coverage–$10,000
  
  *Additional insureds will be added without a premium charge to policies that include the Select BOP Contractors Extension Endorsement.

As a businessowner, you know the value of hiring the right people with the right skills to help make your business successful. Although you can't really know if that candidate for your newest job opening is the one, you can help reduce the risk of hiring someone with a criminal record by performing a criminal background check.

Fast, easy, affordable background checks
As a Motorists policyholder, you can help reduce your exposure to some of the uncertainty that comes with the hiring process. Motorists Insurance has teamed up with IntelliCorp Records Inc. to provide customers with pre-employment background checks at a reduced cost.

A leading national provider of background checks, IntelliCorp has packaged some of its most popular products at a reduced rate, which include:

• Nationwide Criminal Search
• 50-State Sex Offender Registry
• Social Security Address Check
• Terrorist Search – Identifies people and organizations involved in terrorism and international narcotics.
• Assists in meeting OFAC requirements.
• One Single-County Check – Criminal records held at a county-seat level that generally include felony and/or misdemeanor records. Useful when a more comprehensive and/or current database search is necessary.

It's easy to get started. Simply visit IntelliCorp's Web site and follow the registration instructions. To receive your reduced-cost pre-employment background check, enter promo code MIGMOTOR when prompted.

Employment law can be a confusing topic, and there have been many changes over the years. That's why Motorists includes Employment Practices Liability Insurance (EPLI) coverage with our Select Businessowners Policy. And, we're here to help with answers to many of your employment practices questions.

Included with Motorists' EPLI policies is 24/7 access to our online EPLI HELPLINE Support and Resource Center at www.motoristseplhelpline.com. Your username is your Motorists commercial policy number (33.xxxx).

You have a lot to deal with just in the day-to-day operations of your business, and you might not have the time or resources to stay up to date with new federal regulations designed to protect your customers from identity theft.

The new stipulations are part of the Fair and Accurate Credit Transactions Act of 2003, and require businesses offering any kind of "covered account" or payment account to create their own identity theft "Red Flag" plan -- or warning signs that indicate possible identity theft.

We're presenting informational resources to you in the form of a planning guide and frequently asked questions that can help you create your unique Red Flag plan.

The regulation defines a covered account as:

• An account primarily for personal, family or household purposes that involves or is designed to permit multiple payments or transactions, or;
• Any other account for which there is a reasonably foreseeable risk to customers or the safety and soundness of the financial institution or creditor from identity theft.

Because your business’ needs are unique, your plan will need to be tailored to your operation. You should consult legal counsel or your business association about specific issues of your plan.

No coverage is provided by this website. This website only illustrates coverages offered under Motorists' Business Owners Program. It is not a statement of all policy coverages, provisions, conditions or changes. Certain deductibles, provisions and limits may apply. Please see your Motorists agent for a complete listing of policy coverages and provisions. If there is a conflict between this website and the policy, the policy provisions shall prevail.