Kentucky Farm Bureau Mutual Insurance
Company
is pleased to offer your
business broader coverage and greater freedom than ever before. This comprehensive,
competitively priced package policy includes coverages usually needed by businesses, yet
is flexible enough to be tailored to your business’s unique needs.
Kentucky Farm Bureau Mutual Insurance Company is
the largest property and casualty insurance company in Kentucky with at
least one sales/service office in each county. Each is operated by a well
trained professional staff. Kentucky Farm Bureau claims representatives
are strategically located throughout the state. They're always eager to be
of service, should you ever need them.
Property Coverages
- Basic Perils
Fire
Lightning
Explosion
Windstorm or Hail
Smoke
Aircraft or Vehicles
Riot or Civil Commotion
Vandalism
Sprinkler Leakage
Sinkhole Collapse
Volcanic Action
- Broad Perils
All Basic Perils plus
Breakage of Glass
- $100 per plate
- $500 per occurrence
Falling Objects
Weight of Snow, Ice or Sleet
Water Damage
- Special Perils
including Theft,
All Basic and Broad Perils
and any other peril that is not specifically excluded.
Extensions of Coverage
(At least 80% Coinsurance Must Apply)
Your
business will automatically be provided the following extensions of coverage at no extra
cost. These can save you money now and more importantly, at the time a loss occurs.
- Newly Acquired or Constructed
Property Limited to 25% of limit of insurance shown on declarations (not to exceed $250,000)
and 10% of limit on personal property, (not to exceed $100,000)
- Personal Effects and Property of Others $2,500 Limit
- Valuable Papers and Records - Cost
of Research - $1,000 Limit
- Property Off Premises - $5,000 Limit
- Outdoor Property - $1,000 Limit (But not
more than $250 limit for any one Tree, Shrub or Plant)
- Fire Department Service Charge - $1,000
Limit
Optional Property Coverages
- Comprehensive Glass Coverage
- Replacement Cost
- Property of Others
- Business Income
- Earthquake
- Peak Season
- Electronic Data
Processing Coverage
- Spoilage
- Sewer Back Up
- Inflation Guard
- Mine Subsidence
(Available for Qualified Counties)
Optional Crime Coverages
(Available Only If Writing Property Coverage)
- Premises Burglary
- Robbery of Money
- Storekeepers Burglary and Robbery Coverage
Liability Coverages
(Limits Available)
- $100,000 per occurrence/$200,000 aggregate
- $300,000 per occurrence/$600,000 aggregate
- $500,000 per occurrence/$1,000,000 aggregate
- $1,000,000 per occurrence/$2,000,000 aggregate
This legal liability coverage
protects your business against claims arising from Bodily Injury or Property Damage due to
the use of the listed premises and all necessary or incidental operations throughout the
U.S., including:
- Advertising Injury
- Personal Injury
- Medical Payments -
$5,000 per person
- Fire Damage Legal Liability
- $50,000 per fire
Optional Liability Coverages
- Products/Completed Operations
Coverage
- Hired and Non-Owned Auto
- Barber/Beauty Shop Professional
- Funeral Directors Professional
- Veterinarians Professional
Available Inland Marine Coverages To Meet Your Business
Needs
- Accounts Receivable
- Contractors Equipment
- Installation Floater
- Cargo
- Signs
- Small Tools
- Scheduled Property
- Valuable Papers
- Other
Representations
contained in this web page are for illustrative purposes only. Coverage availability is
subject to eligibility and other qualifications. Please consult your policy for actual
contract coverage and exclusions.
AD-29 (12-99)
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