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.