Contractor, Office Rental, Apartment and Retail Store Insurance

Make Sure Your Business Is Protected. Gieseler Insurance Agency, Inc. has all the accessories to protect your business. Business insurance is very important in building a well run, successful business. Below are some coverage's with some key features.

General Liability and Property Coverage

Included in this coverage part are the following liability coverages:

  • Bodily Injury and Property Damage
  • Personal and Advertising Injury including libel, slander, false arrest, defamation of character, malicious prosecution, and invasion of privacy.
  • Products and Completed Operations
  • Host Liquor Liability Coverage
  • Medical Payments Coverage
  • Fire Legal Liability Coverage
  • Blanket Contractual Liability Coverage
  • Independent Contractors Coverage
  • Elevator Liability Coverage
  • Non-owned and Hired Automobile Coverage
  • Come in or call to find out about more coverages we offer

Income Protection

  • It guarantees your income to continue up to the limits shown on the declarations while your business is suspended if damage to your property interferes with normal operations
  • During the critical seven-day period after a loss, your insurance will advance up to $100 per day while you determine your actual loss
  • Your insurance coverage will reimburse you for extra expenses incurred to continue nearly normal operations
  • Actual loss of income for an additional 30 days. If your income, after you resume operations, is less than it was before your loss

Mechanical & Electrical Breakdown

Coverage is provided for your boilers, pressure vessels, refrigeration systems, piping, and mechanical and electrical machines or apparatus used for the generation, transmission or utilization of mechanical or electrical power caused by mechanical or electrical breakdown.

  • Fences, Walks and Unattached Outbuildings - Up to $15,000
  • Trees, Shrubs, Lawns, Plants - Up to $2,000 for any one loss
  • Merchandise in Shipment
  • Refrigerated Items
  • Moving

Additional Property Protection

  • Exterior Sign, Lights and Clocks - Up to $5,000
  • Peak Season - Increases coverage for Business Personal Property 25% during a peak season
  • Temporarily Off Premises - Up to $15,000
  • Debris Removal - Up to 5% of the total coverage amounts for your buildings and business personal property, plus $5,000 from clean-up after a loss
  • Pollutants Clean-Up and Removal - Up to $10,000
  • Demolition Cost - Up to $ 15,000
  • Newly Acquired Property - Up to $500,000 for buildings, up to $250,000 for Business Personal Property and up to $250,000 for Loss of Income
  • Fire Department Service Charges - Pays the fire department service charge incurred as a result of an insured loss
  • Non-Owned Detached Trailers - Up to $5,000
  • Accounts Receivable - Up to $5,000
  • Valuable Papers and Records - Up to $5,000

Optional Protection Features

  • Fivestar Contractors Enhancement Endorsement
  • Builders Risk
  • Installation Floater
  • Contractors Equipment Coverage
  • Contractors Tool Coverage
  • Electronic Data Processing Equipment Coverage
  • Employee Dishonesty
  • Mine Subsidence Coverage
  • Voluntary Property Damage Liability Coverage