Enhanced Coverages



Business owners may opt for more protection for these risks:
  • Pollutant clean-up and removal
  • Fire extinguisher system recharge expense increase
  • Money orders and counterfeit money
  • Civil authority
  • Accounts receivables off premises
  • Valuable papers and records off premises
  • Personal effects


Employment Practices Liability Coverage
  • Designed to protect businesses with 100 employees or less
  • Insurance for employment liability damages and defense costs due to claims brought by full-time, part-time, seasonal or temporary employees who allege:
  • Employment discrimination
  • Wrongful termination
  • Sexual harassment
  • A legal helpline is included to help business owners avoid these types of claims and obtain general employment guidance
  • Loss prevention website provides ready-made employment policies and procedures
  • Online sexual harassment training to help employers prevent claims


Equipment Breakdown
  • Designed to accommodate the rapid evolution of equipment risks
  • Computers and communication systems
  • Renewable and alternative energy
  • Electrical panels and electrical distribution systems
  • Mechanical and production systems
  • Heating systems and cooling equipment
  • Boiler and pressure vessels
  • Coverage goes beyond the cost to repair or replace equipment with (direct property loss):
  • Lost business income and costs for temporary replacement equipment
  • Other expenses incurred to limit the loss and speed restoration of operations
  • The loss value of spoiled products or materials caused by a covered breakdown
  • Business recovery expense



For specific details, contact a Missouri Farm Bureau Agent.


*The statements of coverage are subject to certain exclusions and conditions. Only the policy form contains the actual insurance contract.

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