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    Small Business Operations

    Combining both property and liability insurance, a Business Owner’s Policy (BOP) can help protect your small business customers in the event of such things as fire (property damage), suspended operations (business income) or lawsuits (liability) resulting from bodily injury, property damage, personal injury or advertising injury.
    For many businesses, a standard BOP provides sufficient coverage for a broad range of property and liability risks. However, a Travelers Master Pac policy also offers the flexibility to meet the unique needs of your small business customers.


    • “Special” Form
    • Replacement Cost (ACV Optional)
    • No Coinsurance
    • Deductible $500 standard for Master Pac
    • $1,000 standard for Pac Plus
    • Options for $1,000; $2,500; $5,000; $10,000 or $25,000

    Building includes:

    • Completed additions
    • Fences and fixtures
    • Permanently attached machinery and equipment
    • Retaining walls
    • Owned property used to maintain or service building, structure or premises

    Business personal property includes:

    • Property within 1,000 feet of the premises
    • Property of others in the insured’s care, custody, or control. See also Bailees Customers Goods option
    • Improvements and betterments
    • Money and Securities (Theft peril can be excluded. For Pac Plus, theft peril limited to $25,000, but limit can be increased)
    • Theft of furs – Up to $2,500
    • Theft of jewelry, watches, precious metals – Up to $5,000 Limitation does not apply to jewelry or watches worth $500 or less per item. Increased limits for precious metals apply for Manufacturers
    • Theft of patterns, dies, molds and forms up to $2,500. Increased limits apply for Manufacturers

    Business income and extra expense:

    Apartment PacSM, Building PacSM, Business PacSM, Condominium PacSM, Contractors PacSM, Office PacSM, RestaurantSMand Store Pac® segments – Actual loss sustained for 12 consecutive months (optional for Garage PacSMand Religious PacSM).
    Coverage is optional for all Pac Plus segments.
    For all Pac and Pac Plus segments, coverage may be written on a policy or location level subject to a maximum dollar limit without the 12-month limitation. Dollar limits will be determined by a percentage of annual receipts and can be modified (not applicable to Religious Pac) 50% of annual receipts for Business, Contractors, Manufacturers, Office, Restaurant, Store and Wholesalers
    80% of rents/fees for Apartment, Building and Condominiums
    Extended Business Income – Up to 60 consecutive days with options to increase Deductible does not apply
    See also Coverage extensions: Dependent on certain coverages


    Automatic coverages:

    • Bodily Injury and Property Damage Liability
    • Broad form property damage liability
    • Defense costs – outside the limit of insurance
    • Damage to Premises Rented to You under the XTEND Endorsement®: Limit of $300,000 –Broadened Perils
    • Host liquor liability
    • Limits: $1M occurrence/$2M aggregate
    • Limited worldwide coverage
    • Medical Payments – Up to $5,000
    • Premises Liability
    • Personal and Advertising Injury Liability
    • Products and Completed Operations Liability