Call us at 866.577.0355 with any questions.

Business Owners Application

Basic Protection


Building and Business Personal Property (BPP)
Pays to repair or replace your building and any equipment, stock, furniture or fixtures that you own, up to your policy's limit. Also, PROBOP's basic form now includes Equipment Breakdown and Business Income Interruption.

Equipment Breakdown
Protects insured’s against breakdowns of all kinds of equipment--including computers, scanning equipment, phone systems, communications systems, air conditioners, refrigeration systems, and much more.

Business Income Interruption
In the event of covered loss, this coverage will reimburse insurers for actual loss of earnings for up to 12 months. Even losses due to down-time or extra expenses needed to restore operations (such as additional property rental) are covered.

Business Liability
Protects your office operation from claims arising out of injuries to your clients or the general public, or from damage to the property of others. Protection extends up to your policy's limits. Included is coverage for premises-operations, products-completed operations, personal injury and advertising injury liability. Defense costs as a result of such claims are covered regardless of fault, in addition to your policy's limits.

Fire Legal Liability
You are protected against legal liability (up to $300,000 per occurrence) for damage caused by fire, lightning or explosion to that portion of the premises you lease and occupy for your office. (As an option, the $300,000 limit per occurrence may be increased to $500,000 or $1 million.)

Money and Securities
Your money and securities are protected up to $10,000 at your covered location, or when deposited in a bank or savings institution, and up to $5,000 when located off the premises. (As an option, the $5,000 outside limit may be increased to $10,000.)

Identity Theft
Solution: The Hartford’s three-component Identity Recovery Coverage is now included in Spectrum® and Spectrum Xpand® with the Special Property form for small commercial customers.

This enhancement protects the business owner(s) in the event of the theft of his/her personal identity.

Identity theft strikes millions of Americans each year and costs our economy billions. While financial institutions are normally responsible for stolen funds or fraudulent charges, identity theft victims often have to spend their own money and a significant amount of time and energy to clear their credit history and correct identity records.

The Facts for Small Business Owners The Hartford’s Identity Recovery Coverage provides important benefits like these:

• Identity Recovery Help Line - Staffed by professionals who can answer initial questions, provide information about identity theft and send a detailed guide designed to let your clients know the next steps to take. Insureds confirmed as identity theft victims are referred to an Identity Recovery Case Manager.
  
  
• Identity Recovery Case Manager Service - Identity Recovery Case Managers can speed the recovery process by gaining the cooperation of the right individuals at credit bureaus, creditors and financial institutions. Case Mangers will also guide your clients through the steps needed to correct their credit history and identity records.
  
  
• Expense Reimbursement Insurance - Reimbursement insurance up to $15,000 above the policy deductible for covered expenses arising from a defined identity theft event, such as: legal fees, credit reports, postage, fees for loans initially declined due to falsified credit information, and more.

A Practical Solution to a Real Problem Be sure to review the terms of the policy for a full description of services and coverage provided, and to identify any exclusions, limitations or other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.

Xpand
Important coverages specially packaged for office building owners and occupants, for hundreds of dollars less than if they were bought separately.

• Accounts Receivable
• Computers and Media
• Debris Removal
• Personal Property of Others
• Temperature Change
• Valuable Papers
• Business Personal Property Off Premises & In-transit
• Employee Dishonesty
• Forgery
• Personal Effects
• Worldwide Laptop Coverage In-transit
• Salesperson's Samples
   

Valuable Services & Options


Commercial Auto Coverage
The program offers valuable enhancements to the Commercial Auto product, such as providing excess coverage for hired autos and extending legal liability coverage for negligent drivers.

Workers’ Compensation
The program offers accessible and affordable Workers’ Compensation coverage to meet your needs as a small business owner. The program’s coverage is distinguished by expert underwriting, exceptional claims handling, and a variety of managed care and cost containment services, such as provider networks, nurse case managers and a Return-to-Work program.

Flexible Payment Plans
The program has a variety of premium payments plans that will help you meet your cash flow needs.

Superior Claims Handling
The program’s network of claims personnel is one of its great strengths, providing customers with prompt and professional handling of their claims.

Long-Standing Stability
By placing your business with Proinsure, you are placing your trust in a program administrator that has insured American businesses like yours since 1986, and that enjoys exceptionally high customer satisfaction.

Business Owners Application

Send completed applications to:
PROinsure
8600 LaSalle Rd #331
The Chester Building
Towson, MD 21286
Or
Fax your application to: 866.518.4186
Or
Email your application to: info@proinsure.net

Call us at 866.577.0355 with any questions.