Shelter business owners insurance offers protection for the following covered losses and liabilities.
Covered Losses
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- Fire
- Lightning
- Wind or hail
- Explosions
- Riot or civil commotion
- Property loss caused by vehicles
- Damage by aircraft
- Smoke
- Vandalism
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- 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. Not all discounts are available in all states. For Colorado policyholders or applicants: Discounts are not available for wildfire risk-reduction work done on your property or community-level safety efforts, such as a neighborhood earning a recognized safety status.