Because many small to medium-sized businesses have similar and relatively uncomplicated insurance needs, insurers offer business owners policies that provide a coverage package to meet these needs. Most business owners policies cover buildings and personal property on a no-coinsurance, replacement cost basis and automatically include business income coverage.

Several types of optional coverages are available, such as:

• Employee dishonesty
• Burglary and robbery
• Money and securities
• Signs
• Glass

Also coverage can be added for:

• Accounts receivable
• Valuable papers and records
• Earthquake
• Computers
• Condominiums
• Spoilage of perishable goods