Retail Bakery Insurance

WITH OUR CUSTOMIZED COVERAGE, YOU’LL FIND THE PERFECT FIT.

BUSINESS OWNER’S POLICY

A BOP can help protect your business in much the same way that a homeowners policy protects your home and personal possessions. The Hartford’s BOP combines these essential coverages to provide a cost-effective solution to help safeguard your store:

• Business Property insurance to help protect the property you own, lease or rent.

• Business Liability coverage to help protect your business in the event it is responsible for causing harm to a person and/or damage to property.

• Business Income coverage to help protect lost income if your business is forced to close due to direct physical loss or damage to its premises resulting from a covered cause of loss.

OPTIONAL COVERAGES SHOPS LIKE YOURS SELECT

A wide range of optional coverages offer additional protection for risks that are unique to bajkery establishments. Many are available separately or in cost-effective packages, giving you the flexibility to design a program that’s important to your business.

• Data Breach helps you pay for response expenses, legal costs, and income protection if the sensitive personal information you collect or store is lost or stolen.

• Employment Practices Liability (EPL) provides coverage if you’re sued by an employee, patron or vendor alleging discrimination, sexual harassment, wrongful termination or other types of claims relating to your employment practices.

• Franchise Upgrade helps pay additional costs a franchisee may incur to upgrade damaged property to franchise standards following a covered loss.

• Business Income for Food Contamination helps pay for lost income if you need to suspend or slow business operations because a governmental authority finds or suspects food contamination.

• Employee Dishonesty provides coverage if an employee steals money, securities or other property owned by your business.

• Electronic Data and Interruption of Computer Operationspays to replace or restore electronic data that has been destroyed, corrupted, or made inaccessible by a computer virus or covered loss, and any loss of business income.