You took the risk of starting a business and you worked hard to build and grow your business. Mitros Insurance and Erie Insurance can help you protect your business, by putting in place a comprehensive Business Insurance program.
Erie can provide Workers Compensation Insurance, General Liability Insurance, Business Owners Policies, and Commercial Auto Insurance policies to fit the insurance needs of your business. The policies can be tailored to the exposures of your business, whether you own a building, need business property coverage, own vehicles, have employees, or need higher liability limits due to contractual reasons or to protect your business’ assets.
Erie Business Insurance policies can also provide packaged endorsements tailored to meet the needs of specific industries:
Auto Service Industry Enhancement Endorsement:
Broad Form Products: Provides coverage up to Bodily Injury and Property Damage Liability Occurrence Limit for damages because of property damage to the insured’s products. A $250 deductible applies, separate from the policy deductible.
Broadened Garage Liability Coverage for Defective Products & Faulty Work: Provides coverage up to Bodily Injury and Property Damage Liability Occurrence Limit for damages to the insured’s products or to the insured’s work.
Mechanics’ Tools Coverage: Provides $5,000 for owners & employees tools on or off premises. Also covers portable powered, non-powered hand tools and non-mobile equipment (leased, rented or borrowed) up to $2,500 for any one covered loss. A $500 deductible applies, separate from the policy deductible.
Veterinarians & Pet Care Enhancement Endorsement:
Advertising and Reward Expenses for Recovery of Animals: Provides up to $2,500 per occurrence for advertising expense and rewards to aid in the recovery of animals in your care that escape or are stolen (includes maximum of $500 or actual cash value of the animal, whichever is less, for non-employee rewards for information leading to the animal’s safe recovery).
Animal Coverage: Provides up to $5,000 per animal and $50,000 per covered loss for direct physical covered loss to animals in your care, custody or control resulting from a covered peril. This coverage is subject to a $200 deductible.
Animal Damage: Will pay up to $2,500 for sudden covered loss or damage to buildings
Income Protection & Extra Expenses for Mobile Veterinarian Equipment: Pays up to $10,000 for income protection and extra expenses you sustain due to interruption of business resulting directly from covered loss or damage to your veterinarian’s equipment off premises from an insured peril. No deductible applies to this coverage.
Erie Insurance can provide Professional Liability for Veterinarians
Restaurant Enhancement Endorsement (Includes Deli’s and Fast Food)
Cooking Protection Equipment Accidental Leakage: Coverage will be provided for covered loss caused by the accidental leakage of your cooking protection equipment.
Food Contamination: Will pay up to $25,000 for income protection and extra expenses if the Board of Health requires you to close due to food contamination.
Employee Dishonest: $25,000 of Coverage
Printers Enhancement Endorsement:
Merchandise-Deferred Payment: Coverage is provided up to $5,000 for covered loss or damage to merchandise which you have sold under a conditional sale or trust agreement or any installment of deferred payment plan after delivery to buyers.
Finished Stock Replacement Cost: Provides Replacement Cost Coverage as part of the Business Personal Property limit for a covered loss to merchandise held in storage for sale, raw materials and in-process or finished goods, including supplies used in their packing or shipping.
Precious Metals: Coverage is provided up to $25,000 for covered loss of precious metals and alloys used in your printing operations caused by theft.
Erie Insurance can provide Printers Errors and Omissions
Contractors Enhancement Endorsement:
Contractor’s Tools and Nonmobile Equipment Coverage: Provides up to $10,000 for owners’ and employees’ tools on or off premises. Also covers portable powered, non-powered hand tools and non-mobile equipment (leased, rented or borrowed) up to $2,500 for any one covered loss. A $500 deductible applies, separate from the policy deductible.
Voluntary Property Damage: Provides you with liability coverage for unintentional damage that you may cause to property of others while in your care, custody or control. The damage must arise out of your operations. Up to $10,000 coverage is provided per occurrence with a $25,000 aggregate.
Installation Coverage: Adds up to $10,000 coverage for your materials, supplies, equipment and fixtures that are to be installed by you or at your direction. The property that you own, or for which you are legally liable, will be covered while at or in transit to a job site or at a temporary storage location and while being installed.
Funeral Directors Enhancement Endorsement:
Temporarily Off-Premises: Business Personal Property and Personal Property of Others–Coverage is included for tents, chairs and other equipment used at grave sites or memorials.
Contract Penalty Coverage: Provides up to $5,000 for contractual penalties that you are required to pay your customers resulting from failure to timely deliver products in accordance with a contract due to a covered loss of such property.
Erie Insurance can provide Professional Liability for Funeral Directors.
Hair & Nail Salons Enhancement Endorsement:
Employee Dishonesty: Coverage for covered loss of money and business personal property due to dishonest acts of employees is increased from $10,000 to $25,000 for any one covered loss.
Counterfeit Money–The amount of insurance is increased from $1,000 to $11,000 for any one covered loss.
Brands and Labels–Coverage is provided for branded or labeled merchandise damaged by an insured peril.
Erie Insurance can provide Professional Liability for Barber Shops, Nail Salons, and Hair Salons.
Mitros Insurance can provide Business insurance policies with Erie Insurance for Pennsylvania, including our neighbors in Montgomery County, DelCo, Bucks, and Chester counties.
To learn more about Erie Business Insurance, contact Mitros Insurance at 610-296-2600.
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Disclaimer: For J.D. Power 2023 award information, visit jdpower.com/awards