inchester Insurance, Inc.

Business Income - Commercial coverage that reimburses a business owner for lost profits and continuing fixed expenses during the time that a business must stay closed while the premises are being restored because of physical damage from a covered peril, such as a fire. Business interruption insurance also may cover financial losses that may occur if civil authorities limit access to an area after a disaster and their actions prevent customers from reaching the business premises. Depending on the policy, civil authorities coverage may start after a waiting period and last for two or more weeks.

Claims-Made Policy - A form of insurance that pays claims presented to the insurer during the term of the policy or within a specific term after its expiration. It limits liability insurers' exposure to unknown future liabilities.

Occurrence Policy - Insurance that pays claims arising out of incidents that occur during the policy term, even if they are filed many years later.

Aggregate Limit - The total amount on a policy that states the maximum amount the company will pay out per policy term.

Some examples of services we provide for
your business:

v Contractors
v Offices (Medical, Business, etc.)
v Restaurants
v Lessor's Risk
v Sports Team Coverage
v Commercial Package

 
Our staff would be pleased to assist you with
the following:


v Helping choose coverages and limits to suit
      your needs
v Quotes from several companies to provide
      comparisons
v Billing support
v Close follow-up and quick reporting of claims
v Several agency preferred companies for 
      Emergency  Restoration
v Certificates of Insurance sent same day 
      as requested
v Assignment to a commercial lines agent