• Property
• Business Income
• General Liability
• Commercial Auto and Fleet
• Commercial Umbrella Liability
• Crime
• Workers Compensation
• Inland Marine
• Agribusiness Bonds
• CommercialGard
• CottonGard

Business Income Insurance

Business income insurance can help keep your commercial agribusiness from closing its doors due to unexpected events. If you’re closed for business, you still have to pay the bills, employees, rent or mortgage, suppliers, taxes and yourself. A force outside your control may interrupt your business continuity strategy and cause you to close your doors for a time. Such forces include:

• Fire
• Hail
• Windstorm
• Vandalism
• Equipment damage

The goal of business income coverage is to make your business whole should a covered event occur. Here is an example:

A business suffers a fire at its manufacturing facility that stops all operations for three months. During this time, the business continues to pay salaries, utilities, rent, and other fixed costs necessary for operations to restart. In order for the business to become whole, the business is entitled to reimbursement for net income and operating expenses paid during the recovery period.

Business income insurance can help keep capital flowing through your company in the event of such disruptions. It can help you:

• Keep your business afloat if a loss forces you to close for a short time
• Recover from computer hacking or virus
• Pay for extra expenses
• Pay for lost net income and continuing expenses 

Lost income and extra expenses you incurred after a loss are automatically covered at all locations.  Business income coverage is also available to protect against mechanical/electrical breakdown.

Additional coverages include:

• Civil authority
• Accounts receivable
• Extended business income
• Seasonal coverage
• Loss of data