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Retailers and Wholesalers
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Retail and wholesale packages can cover several different areas including Property, Crime and Liability. 

Property coverages include: Accounts receivable 
Valuable papers 
Exterior signs 
Property of premises 
Computers including mechanical breakdown 
Peak season increase in stock 
Personal effects of employees 
Transit 
 Business interruption on actual loss sustained basis 
Business interruption - contingent coverage 
Consequential loss 
Fire fighting expenses 
Glass 
Professional fees to adjust for a loss 
Replacement cost on buildings and equipment 
 
The crime component of this coverage includes: employee dishonesty 
inside robbery, safe burglary, night depository 
outside robbery 
damage to buildings by burglary or robbery 
 counterfeit 
depositors forgery 
kidnapping 
medical expenses due to crime 
 
Liability coverage’s includes Commercial General Liability , non-owned automobile tenants legal liability and advertiser’s liability. 

Optional coverages include: Building - broad form coverage 
By-laws coverage on buildings (for buildings built 1960 or later) 
Boiler and machinery coverage 
Earthquake 
 Flood 
Employers liability 
Barbers and beautician’s professional liability 
Druggist’s professional liability 
Umbrella liability 
 

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