Commercial Insurance

Eligible Classes

Optional Coverages

Credits

Liability Coverage

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Commercial Insurance

Mt Morris Mutual provides a commercial package policy (CPP). This system allows you to create a policy that fits your specific business needs. Pay only for what you want to insure and use Mt Morris' available credits to develop a policy that is not only affordable but advantageous to your business.

The Commercial Package Policy makes available the following coverages for qualifying risks:

• Replacement Coverage on the Commercial Structure(s)


• Replacement Coverage on Commercial Personal Property


• Special Form Coverage


• Equipment Breakdown Coverage


• Additional Coverage Options Available

(See Optional Coverages section for additional coverage opportunities)

(Policy provisions apply to all insurance written with Mt Morris Mutual)

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Eligible Classes

Apartment Buildings Hardware Stores Appliance Stores Heating & A. C. Bakeries Laundries Banks Logging and Lumbering Barber Shops Manufacturing (Light) Beauty Shops Mini-Warehouses Bowling Alleys Mobilehome Parks Carpenters (No general Contractors) Motels/Hotels Churches Office Buildings Wood Working

Clothing Stores Plumbers Condos Restaurants Conveinence Stores Shoe Stores Farm Machinery Dealers Stables Floor Covering Stores Storage Florists Taverns Furniture Stores Taxidermists Garages Vacant Buildings Gift/Craft Shops Warehouses Halls

(Contact an agent in your area for additional classes available)

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Optional Coverages

Construct a policy that fits your businesses specific needs with these optional coverages:

• Replacement Coverage on Buildings/Structures


• Replacement Coverages on Personal Property


• Builders Risk


• Loss of Income/Extra Expense


• Loss of Rents


• Sprinkler Leakage


• Utility Interruption Perils


• Fire Department Service Charge


• Money and Securities


• Outdoor Sign Coverage


• Transit Coverage


• Bailee's Customers Insurance


• Refrigerated Food Products


• Valuable Papers & Records/Electronic Media


• Employee Dishonesty


• Ordinance and Law

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Credits

Mt Morris Mutual credits allow the insured to get added value for their insurance dollar, by qualifying for the following credits:

• Claim Free


• Mortgage Free


• Property/Liability Combination


• Fire Protection Device


• Protection Class


• Deductible Options


• Brick Construction

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Liability

Nothing can be more important to a business owner then having a company that stands behind its customer when a liability claim occurs. Mt Morris Mutual has built a reputation on defending and offering unsurpassed claims service in the event of a liability claim.

Commercial General Liability

Primary Coverages

• Premises/Operations


• Products/Completed Operations


• Contractual Liability


• Personal and Advertising Liability


• Medical Payments


• Fire Legal/Damage Liability

Extended Liability Coverages

• Host Liquor Liability


• Incidental Medical Malpractice


• Non-Owner Watercraft


• Limited Worldwide Liability


• Additional Insured


• Extended Bodily Injury