Covered Losses & Liabilities | Business Owners Insurance | Shelter Insurance®

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Covered Losses and Liabilities

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Shelter business owners insurance offers protection for the following covered losses and liabilities.

Covered Losses

    • Fire
    • Lightning
    • Wind or hail
    • Explosions
    • Riot or civil commotion
    • Property loss caused by vehicles
    • Damage by aircraft
    • Smoke
    • Vandalism
    • Collapse of buildings
    • Breakage of glass
    • Theft
    • Falling objects
    • Weight of ice, snow, or sleet
    • Water heating system loss
    • Chemical or acid spills
    • Accidental damage to building
    • Spilled paint

Covered Liabilities

  • Lawsuits based on your negligence
  • Property damage legal liability
  • Medical expenses for others injured on premises
  • Damage to others' property
  • Nonowned cars

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.