BUSINESS OWNERS PROGRAM

with the GMIC Property P lus

Since 1854 Germantown Mutual Insurance Company has been dedicated to providing exceptional

customer service, competitive coverages, and superior claims service. Germantown Mutual’s Business

Owners Program, combined with our GMIC Property Plus endorsement, provides a collection of property

and liability coverages in one single policy. Financially strong with an A.M. Best rating of A (Excellent),

our organization strives to protect your business by offering a variety of different coverages.

Accounts Receivable—$10,000 On Premise / $5,000 Off Premise.

Attached Outside Signs—$10,000.

Business Income From Dependent Properties (No Wait) - $10,000.

Business Income / Extra Expense—12 Month Actual Loss Sustained, No Wait

Period.

Business Personal Property—Within 1,000 Feet of the Premises.

Civil Authority—No Wait Period, Four Weeks.

Debris Removal—25%, $25,000 Additional Limit.

Detached Outside Signs—$10,000.

Electronic Data—$25,000.

Employee Dishonesty—$10,000.

Fine Arts—$15,000.

Fire Department Service Charge—$5,000.

Fire Extinguisher Systems Recharge Expense—$10,000.

Forgery or Alteration—$5,000.

Increased Cost of Construction (Replacement Cost Only) - $10,000.

Lock Replacement—$5,000.

Money & Securities—$2,500 On Premise, $2,500 Off Premise.

Newly Acquired Business Personal Property—$100,000.

Newly Acquired Buildings—$250,000.

Ordinance or Law—$50,000 or 33% of the Building Limit (Lesser of).

Outdoor Property—$10,000.

Outside Fences—$10,000.

Personal Property Off Premise—$20,000.

Personal Effects—$2,500.

Pollution Cleanup and Removal—$25,000.

Product Recall Expense—$10,000.

Reward for Information Leading to Conviction—$15,000.

Security After Loss—$10,000.

Off Premise Utility Failure—$25,000.

Valuable Papers & Records—$10,000 On Premise / $5,000 Off Premise.

Water Back-up and Sump Overflow—$5,000.

C o v e r a g e s p r o v i d e d w i t h a B u s i n e s s O w n e r s P o l i c y a n d t h e G M I C P r o p e r t y P l u s

This brochure is designed to highlight specific coverages of Germantown Mutual’s Business Owners Policy,

with the GMIC Property Plus. This is not an insurance policy, nor does it become part of an insurance policy.

For a complete statement of coverages and exclusions, please see the policy contract.

GM-207

Germantown Mutual Insurance Company Phone: (262) 251-6680

W209 N11845 Insurance Place ● PO Box 1020 24 Hour Claims: (800) 236-4642

Germantown, WI 53022 www.gmic.com Updated 3.14.2018