Town & Country Insurance Agency, Inc.

Property & Liability

Property insurance can cover the buildings that you own and/or business property and inventory against physical loss or damage.

If you don't own your building, you'll still need contents coverage. In the most policies, property insurance for business contents covers furniture, fixtures, inventory, office equipment and other supplies stored at your facility or off-premises.

Liability Insurance
Liability insurance is designed to protect the business against losses even if they are negligent or liable for damage, injury or loss to another's property, reputation, or health. Typically, damages, legal defense fees and settlement charges are paid by the insuring company when a claim is filed against the business.

Contractual Liability
General Liability coverage extends to any liability you may assume by entering into a variety of different types of contracts such as a building lease.

Liquor Liability
If you're not in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, the policy may protect you in case someone claims you are legally liable for a liquor-related accident.

Hired Auto & Non-Owned Auto
Hired Auto & Non-Owned Auto coverage if requested is typically added as an endorsement on a policy. If their are no vehicles owned by the company this coverage will meet the contract requirement for Commercial Auto coverage.

Medical Payments
If someone is injured by you or at your business site, the policy may pay for medical and funeral expenses incurred, up to policy limits, within one year of the accident .