Protection for you home office equipment and liability with this special coverage

If your home is damaged by wind or fire, is your business equipment protected? If your home/business is damaged beyond use, can you afford for your business to shut down? If a customer is injured while at your home/business, are you protected?

This coverage provides extra protection over any applicable coverage you may have through other insurance policies. Homeowner's policies do not provide coverage for business related liability claims that occur at your home. Nor do they provide temporary relocation expense for your home business in the even the premises are not usable as the result of a covered loss.

Most homeowner's policies provide very limited coverage for your business equipment. Increased equipment coverage may be added to your homeowner's policies for an additional premium, but business liability coverage and temporary relocation expense cannot. A small-business policy can cost anywhere from $300 to $700 or more.

NASE Premier Resource Members are provided valuable protection for their business assets. Coverage includes:

Business Equipment

• $7,500 total coverage per occurrence
• $2,500 maximum per item
• $1,000 maximum for tools (per calendar year)
• $0 deductible if there is other coverage; $100 deductible if there is no other coverage

• Up to $1,500 for temporary relocation of your Home Business
• Maximum of $500 per month

• $20,000 Business Liability Coverage (at residence)

• fire/lightning
• windstorm/hail
• explosion
• vandalism/malicious mischief
• riot/civil commotion
• theft
• burglary
• weight of ice/snow  

RESTRICTIONS: This is a brief description of the coverage offered under the Blanket Home Business Personal Effects Policy and applies only to Premier Resource Members of the association in good standing. Coverage is excess and is subject to limitations and exclusions. The loss must occur at your residence premises. This protection does not provide products liability protection, Errors and Omissions protection or coverage for acts occurring away from the home business location (residence premises). Liability protection does not cover Workers' Compensation or Long Shoremans/Harborworkers Act. All burglary and theft claims will require you to file and submit a police report.

The policy is written through American Southern Insurance Company--Master Policy #SE121941.