Heasley Insurance

Examples of Custom Coverage

Comprehensive General Liability | Special Form Policy | Named Peril Policy

Comprehensive General Liability

 Minimum single liability for:
    Bodily injury
    Property damage
    Contractual Liability
    Personal Injury
Personal Injury protection for (not limited to) offenses such as:
    Libel and slander
    Invasion of privacy
    Wrongful entry or eviction
    False arrest
Medical Payment limits of:
    $5,000 per person
    $25,000 per accident
Products, tools, and completed operations
If you are a tenant, your policy will cover fire legal liability.
Limited coverage for property in your care, custody or control.
Contractual liability from written or oral contracts.
    Advertising injury liability coverage.
    Employees are automatically covered.
Professional liability is automatically included for:
    Drug stores
    Beauty and Barber Shops
    Hearing Aid stores
    Funeral parlors
    Optical stores


Special Form Policy:

 This policy protects your business from physical loss/damages.

Coverage for both building and content on a Replacement-cost basis.
Business content in transit
    Property of others in your care, custody or control is covered.
Valuable papers and accounts receivable are included in business contents coverage
    Money or securities used in business on or off the premises.
Business contents can be automatically increased by 25% to provide for seasonal variations.
Business property is covered. Contact Us for details.
Exterior signs are covered. Contact Us for details.
Coverage is available for outdoor trees, shrubs and plants.
Coverage is available for computer damage due to viruses.



Named Peril Policy:

 This policy protects your business property from loss due to:
    Fire, Smoke, Lightning
    Wind storm, Hail, Explosion
    Civil disturbance, Rioting
    Sprinkler leakage
    Broken glass
    Sinkhole collapse
    Vehicles, aircraft
    Vandalism and Malicious Mischief
Buildings are covered for broken glass if glass is part of the building. Options available for tenants
Coverage for loss of personal effects. Contact Us for details.
Covered business content left in vehicles
Computer equipment, active data processing media and related materials