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info@assureinc.com
5500 Monument Ave., Suite B
Richmond, VA 23226
(804) 2885887
Fax (804) 2885220 |
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Assurance.
It’s a state of being sure.
A freedom from doubt.
A confidence that, while things may go wrong, you remain safe and
secure.
It’s also what gives us the edge in Personal and Business
insurance.
That’s
because we represent over 15 carriers, allowing our licensed
professionals to pick and choose the best coverage at the most
affordable prices. That
assures that your interests are put first – not those of a single
business carrier.
With
over 35 years experience we’ve been tailoring coverage to the
unique requirements of countless individuals, families, small
businesses and large corporations.
From homeowners’ and auto insurance to complex business
programs covering property, liability, health and works
compensation. We also
offer individual life and health, long-term care and group
administration.
Rest
assured you’ll get the very best in insurance services.
It’s a promise we’ve staked both our name and reputation.
Give us a call and see for yourself. |
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Don’t
Count on Good Luck to Protect You!
(back home)
More
than 25 million Americans worked at home last year. Most of them were lucky.
Some, however, had a fire…or were robbed…or were
sued. Many
didn’t have the proper insurance.
And many went out of business because of an uninsured
accident. The
question to ask yourself this year is, “ Do I feel
lucky?”
Reduce
Your Risk
If
you don’t want to take risks with your home business, you
need to know about RLI’s In-Home Business insurance
Program (IBP). All the things that can happen to your home could happen your
home business – and more!
For example:
- A
customer slips and falls on your premises, breaks a hip
and is now suing you.
- You
return home and discover your house – and your office
– is in flames.
- While
at a trade show, your inventory is stolen from the back
of your van.
Protect
Your Assets
If
you run a home-based business, you may not realize your
standard Homeowners insurance may not protect you against
losses stemming from your
business. Many
Homeowners and Renters policies specifically
exclude losses from business activities. And when such losses occur, they can be devastating.
Your business could be out of business, just like
that.
Don’t
count on good luck to protect you.
Count on RLI’s IBP Insurance and you’ll never
worry about the security of your home business again.
Unique
Coverage for Home-Based Business
IBP
is specifically designed for home businesses.
That’s important, because standard Homeowners
endorsements are not designed to cover many business-related
losses.
IBP
is. For an
affordable premium, as low as $150 in many areas, you can
receive comprehensive protection for your home business.
Damage to inventory or customers’ goods…theft
coverage…medical payments to those injured on you
premises…liability protection – you’ll receive
coverage for all this and more!
Don’t
let an accident destroy your business.
With RLI’s In-Home Business Program you can relax,
knowing your business is protected.
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If you have
questions or would like more information,
Click Here to
Send us an Email
info@assureinc.com
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IN-HOME
BUSINESS POLICY
| Q. |
Is
a business operated out of my garage or a detached
building eligible? |
| A. |
Yes. A business operated out of the garage, including a
detached garage or building, is eligible if located
with 100 feet of the insured’s dwelling. |
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| Q. |
Is there a specific amount of business personal
property coverage I should carry? |
| A. |
Yes.
The limit of insurance for business personal
property must equal 100% of the replacement value. |
|
| Q. |
Is
business personal property temporarily stored in a
warehouse or on a sale at a craft consignment shop
covered? |
| A. |
Yes.
Business Personal Property Off-Premises
coverage is automatically included in the policy. Coverage
applies to covered property, other than money and
securities, while it is in course of transit or
temporarily stored at a premises you do not own,
lease, or operate. |
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| Q. |
Are
dwelling buildings eligible under this policy? |
| A. |
No. Coverage
is intended for business personal property and
business pursuits only.
A homeowner’s policy or renter’s policy
is still needed for the dwelling and/or tenant’s
personal property coverage. |
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You
Get a Lot for a Little
A
complete package to insure your home business’s every
need… at a price you can afford.
RLI’s In-Home Business Insurance Program offers:
- Comprehensive
coverage for Business Personal Property, with Theft
coverage included.
Limits up to $50,000 available.
- Up
to $1,000,000 in Business Liability protection
- Minimum
premiums range from $150 to $450 depending on your
location and type of business
- Theft
coverage “away from premises”
- A
standard $100 deductible
- Up
to $5,000 per person for immediate medical payments to
anyone injured on your premises.
- Coverage
for loss of business income
- Minimal
underwriting restrictions
 RLI… Rated “A” (Excellent)
RLI
Insurance Company is leading niche market insurer focusing
on Property/Casualty risks and selected Accident and Health
coverage's. The excellence of our performance compared to industry norms,
combined with our ability to meet policyholder and other
contractual obligations, has earned us A.M. Best Co.’s
“A” rating. We
are licensed to conduct business in 50 states and the
District of Columbia.
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