Services Insurance

hotel-insurance-programYou take care of your customers by providing services they need. Because of your dedication to customer satisfaction, you developed a local business that the community uses and recommends to others.

You understand the importance of protecting your business, your clients and your employees when the unexpected occurs.

We offer a specialty insurance program for business service operations…

Qualifications:

  • Annual sales up to $10,000,000 per location
  • Building and business personal property up to $10,000,000 per location

Eligible operations:

  • Appliances – Lease, Installation, Adjustment, Repair
  • Architects – Consulting, no construction supervision or general contracting
  • Awnings and Canvas Goods Repair
  • Carpet, Rug, Upholstery Cleaning – shop only
  • Computer Service
  • Copying and Duplicating Services
  • Court Reporters / Stenographic Services
  • Dental Laboratories
  • Electronic Repair – TV and Radio
  • Engineers – Consulting, no construction supervision or general contracting
  • Engraving – Wood or Metal
  • Funeral Home or Chapel
  • Hotels – less than four stories
  • Inspection and Appraisal Companies – insurance or valuation
  • Laundry and Dry Cleaning
  • Laundry Rental Services
  • Lawnmower and Small Engine Repairs
  • Libraries
  • Lithographing
  • Mail Advertising or Mail Advertising Services
  • Mail Box or Packaging Stores
  • Motels – less than four stories
  • Music Recording Studios
  • Office Machines – Lease, Installation, Adjustment, Repair
  • Photo Finishing
  • Photo Engraving and Platemaking
  • Photographers
  • Photographic Studios
  • Piano Tuning
  • Printing – Commercial & Digital
  • Real Estate Agents
  • Shoe and Leather Goods Repair Shops
  • Sign Painting or Lettering – Inside of Buildings
  • Surveying / Mapping Service Offices
  • Tailoring or Dressmaking Establishments – Custom
  • Warehouses – mini-warehouses
  • Watch, Clock, Jewelry Repairs

Protect your business with these Property / Casualty insurance coverages:

  • General Liability
  • Damage to the property of others
  • Employment Practices Liability
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Umbrella

Standard Property Coverages:

  • Actual Loss Sustained Business Income for up to 12 months
  • Business Income from Dependent Properties – $5,000 included with higher limits available
  • Equipment Breakdown including breakdown of computer equipment
  • Peak Season – 25% of Business Personal Property Limit
  • Newly Acquired or Constructed Property – $250,000 Building, $100,000 Business Personal Property
  • Removal of Insurance-to-Value Provision – no coinsurance

Optional Property Coverages:

      • Blanket Insurance
      • Business Income – Extended Period of Indemnity
      • Extended Replacement Cost Valuation – Building
      • Ordinance Or Law
      • Outdoor Signs
      • Utility Services – Direct Damage and Time Element
      • Water Backup from Sewers or Drains
      • CyberOne
        • Insures for events that damage or degrade insured’s data and systems
        • Pays defense and liability costs for an insured’s systems security failure, including the breach of third party business information
      • Data Compromise
        • Insures data breach, theft, or unauthorized disclosure of personal information
        • Helps insured to be compliant with breach notification laws and requirements
        • Offers services to affected individuals such as credit monitorings
        • Pays defense and liability costs for actions brought by affected individuals as a result of a breach of personal information
      • TechAdvantage Equipment Breakdown
        • Microelectronics Coverage – when physical damage isn’t detectable but equipment suddenly stops functioning
        • Cloud Computing Service Interruption – waiting period, sublimit and deductible apply
        • Service Interruption Data Restoration – waiting period, sublimit apply
        • Off Premises – Property Damage, Business Income, Extra Expense & Data Restoration Coverage
        • Public Relations Coverage – applies if loss of business income (Sublimit – $5,000)

Standard Liability Coverages:

      • Aggregate Limit of Insurance – 2X occurrence
      • Broadened Named Insured – includes volunteers

Optional Liability Coverages:

      • Aggregate Limit of Insurance by location
      • Electronic Data Liability
      • Employee Benefits Liability
      • Employment Related Practices Liability
      • Increased Products/Completed Operations Aggregate – 3X Occurrence

Included on Inland Marine and Crime Standard Coverages:

      • Accounts Receivable – $25,000 included with higher limits available
      • Computer Hardware and Software included within Business Personal Property
        • Data – up to $10,000 included
        • Interruption of Computer Operations – up to $10,000 included
      • Valuable Papers and Records – $25,000 included with higher limits available

Included crime coverages:

      • Money and Securities – $10,000 on premises and $5,000 off premises with higher limits available
      • Employee Dishonesty – $5,000 with higher limits available
      • Forgery and Alteration – $5,000 with higher limits available

Other Insurance Options available:

    • Electronic Data Processing – Hardware, Software, On- and Off-Site Web Servers and Software, Business Income and Extra Expense, and Interruption of Web Site Coverage
    • Fine Arts
    • Scheduled Property
    • Computer Fraud and Funds Transfer Fraud
    • Umbrella
    • Commercial Auto
    • Workers Compensation

Affordable Insurance Coverage

Our specialty business insurance coverage offers convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments (10 payments)
  • Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment
  • Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package. Call or email Kevin Morency today and receive a quick turnaround on your quote.

Note: Some payment options may not be available in all states.

Phone or email Kevin Morency or Rebecca Morency to get started on your quote. Since each service operation is unique, we will discuss your needs and can tailor an affordable business insurance solution that offers peace of mind, yet still deliver a quote quickly.

Morency & Associates, Inc.
1194 Long Hollow Pike
Gallatin, TN 37066

615-452-4532       (Office)
877-244-9090  (Toll-Free)
630-240-4299     (Mobile)
615-452-6580           (Fax)
Kevin Morency      (Email)
Rebecca Morency (Email)

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