Business Owner's Program

Do you run a small business? Our Businessowner policy can provide financial protection and legal defense in the event someone is injured in your establishment and coverage for your own property in the event of a loss.

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If you're out of business, coverage can also be provided to cover your ongoing operating expenses and loss of income.

Business property insurance

Helps protect the physical location that your business owns or leases as well as property such as tools, equipment and inventory.

General liability insurance

Helps protect your business from the financial costs of property damage, bodily injury, personal and advertising injury claims made against your business.

Business income insurance

Helps replace lost income when you are unable to conduct business due to a covered loss like a theft or fire.

Some eligible classes:

  • Antique Stores
  • Appliance Stores
  • Auto Parts Store
  • Barber Shops
  • Beauty Salons
  • Beverage Stores
  • Candy Stores
  • Carpets and Rugs
  • Cell Phone Stores
  • Clothing Stores
  • Dental Labs
  • Dentist Offices
  • Department Stores
  • Doctors Offices
  • Drug Stores
  • Dry Cleaners
  • Fabric Stores
  • Furniture Stores
  • Garden or Lawn Supplies
  • Gift Stores
  • General Stores
  • Greeting Card Stores
  • Grocery Stores
  • Hardware Stores
  • Health Food Stores
  • Hobby /Craft Stores
  • Laundromats
  • Liquor Stores
  • Meat, Seafood, or Poultry Stores
  • Nail Salons
  • Paint and Wallpaper Stores
  • Photo Studios
  • Printers
  • Shoe Repair
  • Shoe Stores
  • Souvenir Stores
  • Sporting Goods
  • Supermarkets
  • Taverns and Bars
  • Tailors
  • Toy Stores
  • Upholstery Shops
  • Vacuum Cleaner Sales
  • Variety Stores
  • Watch, Clock, or Jewelry Repair

Optional Coverages:

Miscellaneous Professional Liability

Not just for Doctors and Dentists anymore! Many businesses have professional exposures that go beyond a General Liability Policy.

Employment Practices Liability

This coverage provides protection for lawsuits due to wrongful terminations, sexual harassments, discrimination and other employee issues.

Cyber Liability

Protecting your customer's data is important to ensure they keep coming back.

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This is not all! Please contact your local independent insurance agent to learn about additional classes and coverages offered by Utica First

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Distance: within 15 miles

States we serve: CT, FL, MA, MD, NJ, NY, OH, PA, VA

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