First Name*

Last Name*

Your Email*

I would also like additional information on:
Please click on the check box next to the coverage you would like additional information on.
ACCOUNTS RECEIVABLE COVERAGE: Covers losses (including uncollectible accounts) due to destruction of your records of accounts receivable.AGREED VALUE ENDORSEMENT: Coverage that suspends the coinsurance clause if you carry the amount of insurance agreed by you and the insurer to be the property’s full value.BAILEES CUSTOMER POLICY: Covers damage to customer goods while in your possession, regardless of whether you are legally liable for the damage. Typically used for operations such as dry cleaners, laundries, furriers, tailors, upholsterers, and appliance repair shops.BROADENED PERSONAL INJURY: This is typically used for individuals driving company-owned vehicles who do not have their own Personal Auto Policy to extend Personal Injury Protection to those persons.BUILDING ORDINANCE OR LAW COVERAGE: Covers three types of losses due to the enforcement of building ordinances or laws: (1) the value of undamaged property that must be demolished, (2) the cost to demolish the building’s undamaged portion and remove its debris, and (3) the increased cost to rebuild the property.BUSINESS INCOME / EXTRA EXPENSE: Business income is the sum of (1) net profit or loss that would have been earned or incurred if operations had not been suspended plus (2) normal operating expenses, including payroll, that continue during suspension of business from a covered cause of loss. Extra Expense coverage provides for extra expenses incurred by you to avoid or minimize the suspension of operations.COMPUTER EQUIPMENT / ELECTRONIC DATA COVERAGE: Typically covers equipment, data, and media owned by the insured, as well as similar property of others in the insured’s care, custody, or control. The definition of “equipment” usually includes, but is not limited to, mainframe computers, minicomputers, microcomputers, terminals, monitors, printers, disk drives, and modems. The term “data” includes both computer programs (which direct the processing of data) and data files (which store processed data, such as customer mailing lists.) “Media,” such as disk and tapes, are the materials used to store data.DIRECTORS & OFFICERS LIABILITY: Insurance that covers a corporation’s directors and officers against liability for their “wrongful acts” that would not be covered under a General Liability Policy or Auto Policy; also covers the sums that the insured corporation is required or permitted by law to pay to the directors and officers as indemnification.DRIVE-OTHER-CAR COVERAGE: Endorsement to business auto coverage specifically named individuals in the event of a loss when driving an automobile other than the auto(s) described in the schedule of the policy. Coverage can include liability, uninsured motorists, comprehensive, and collision. (Spouses are automatically included; children must be specifically listed.)EMPLOYEE THEFT: Covers loss of or damage to “money,” “securities,” and “other property” as defined in the policy forms.EMPLOYEE BENEFITS LIABILITY: Covers an employer against liability claims alleging improper advice or other errors or omissions committed while administering the employer’s employee benefit plans.EMPLOYMENT PRACTICES LIABILITY: Covers an organization, its directors and officers, and its employees against claims alleging damages because of wrongful employment practices such as sexual harassment, wrongful terminations, and unlawful discrimination.EQUIPMENT BREAKDOWN / BOILER & MACHINERY: Insurance that covers loss due to the accidental breakdown of almost any type of equipment that operates under pressure or that controls, transmits, or uses mechanical or electrical power.EQUIPMENT FLOATER: Covers mobile equipment or tools while anywhere in the coverage territory.EXCESS LIABILITY / UMBRELLA LIABILITY: Policy that covers liability claims in excess of the limits of an underlying policy or as a stated retention amount. (An umbrella policy is broader than a straight excess liability policy as it provides excess coverage over several policies, typically General Liability, Automobile, and Employers Liability.)FIRE LEGAL LIABILITY COVERAGE: Coverage for fire damage to premises rented to or temporarily occupied by the named insured. Typically, a limit of $50,000 or $100,000 is automatically included in a General Liability Policy. Higher limits are available.FINE ARTS FLOATER: Most policies exclude or limit coverage for paintings, collections and other valuables and it is recommended that a fine arts floater be purchased to cover such items. Coverage can be extended to cover breakage and other broadened perils and is usually a requirement that appraisals be obtained.FIDUCIARY LIABILITY: Covers the fiduciaries of an employee benefit plan against liability claims alleging breach of their fiduciary duties involving discretionary judgment.FLOOD INSURANCE COVERAGE: Provides coverage against damage done to property by rising water. Heavy rains, hurricanes, or the overflowing bodies of water. Flood water damage to your building or business personal property is not covered under your basic property policy form and separate flood insurance coverage must be purchased if coverage is desired. Flood insurance is reinsured by the Federal Government and has a thirty-day waiting period to effect coverage. Regardless of the flood zone in which your property is located, it is suggested that you consider the purchase of this coverage for both building (if you own the building) and your business personal property (i.e. contents.)FLOOD INSURANCE BUILDING LIMITS INCREASE: Sufficient flood insurance coverage is extremely important for the Florida property owner. Heavy rains and hurricanes will cause many areas to flood. Your property does not have to be in danger of flooding. Over one-third of all flood insurance claims come from outside the flood hazard area. Don’t delay as the Federal Government Program has instituted a thirty-day waiting period to increase coverage limits.FOREIGN LIABILITY: Used to meet the needs of firms with foreign loss exposures (i.e. outside the coverage territory which would include the United States, its territories and possessions, and Canada.)GLASS COVERAGE & SIGNS: Pays for the damage to specifically described glass or signs by breakage or by chemicals accidentally or maliciously applied. Additional coverages include debris removal, cost of temporary plates boarding up openings, repair and replacement of damaged frames and removing or replacing obstructions. Some policy forms include glass coverage in the causes of loss forms, but separate coverage is often required.HIRED AUTO LIABILITY: Liability coverage for vehicles leased (short term,) hired, rented, or borrowed by an insured, but not owned by the insured or its employees.HIRED AUTO PHYSICAL DAMAGE: Physical damage (comprehensive and/or collision) coverage for any “auto” that is leased, hired, rented, or borrowed by insured, but not owned by insured or employees.IMPROVEMENTS & BETTERMENTS COVERAGE: Covers additions and/or alterations permanently attached to the reality, enhancing its value and amounting to more than mere repairs of the property (i.e. built-in cabinets, or bookcases, floor coverings, wall coverings, etc.) When made by a tenant, such additions should normally be included in the tenant’s own property insurance; however, a landlord must also review these improvements as they relate to the respective leases in determining the proper limit of coverage. Improvements and betterments are alterations or additions made to the building at the expense of a tenant who does not own the building and who cannot legally remove them.INSTALLATION FLOATER: Covers a contractor’s interest in building supplies or fixtures that the contractor has been hired to install.INTERNET / E-BUSINESS COVERAGE: Provides coverage for business activities via the computer such as e-mail communication and employees Web activities; customer access to account information; electronic publishing of information; hosting, co location and data storage; selling products and services over the internet and virtual private networks.INTERNATIONAL / FOREIGN COVERAGE: Provides specialized coverages for Foreign exposures such Commercial Property, including Marine Cargo; Commercial General Liability including Products; Voluntary Workers Compensation; Commercial Auto Liability; Accident & Health; Kidnap & Ransom and Political Risk. These coverages can be packaged and tailored to fit your needs.KIDNAP & RANSOM COVERAGE: Kidnap and extortion are very real and growing threats in today’s world. Such companies at risk include those that have employees based or traveling overseas, high profile organizations or with sensitive information or technologies. The Kidnap and Ransom policy can provide protection against: Kidnapping, Extortion, Wrongful Detention, Hijacking, Defense Costs, Business Interruption, and Other Related Expenses.LIFE, HEALTH AND DISABILITY BENEFTIS: Morris & Reynolds Insurance has a division within the agency for the coordination of employee benefit programs. Please notify one of our representatives for a review of your group or individual needs in this area.LIQUOR LIABILITY: Provides third party liability protection to business owners against claims for injury or damage caused by an intoxicated person alleging the establishment serving the liquor caused or contributed to the intoxication of the person causing the injury or damage to others.MEDICAL PAYMENTS (AUTO): Coverage for medical expenses incurred by occupants of a covered auto, regardless of whether the auto’s driver was at fault in the accident.MOLD COVERAGE: Claims for bodily injury and property damage liability resulting from mold are on the rise. Most insurers have attached a specific Mold Exclusion to the Commercial General Liability policy; therefore, an insured must obtain a specific liability policy insuring against mold. Mold can affect any structure and; therefore, property owners, contractors and maintenance firms should all consider purchase of this separate liability policy.NON-OWNED AUTO LIABILITY: Coverage for autos not owned, leased, hired, or borrowed by the named insured while such autos are used in connection with the named insured’s business. This includes autos owned by employees or members of their households but only while used in your business or personal affairs.OFF-PREMISES UTILITIES (UTILITY SERVICES–TIME ELEMENT): Extends the policy to cover loss of earnings resulting from off-premises interruptions of utilities and communication services.PERSONAL PROPERTY OF OTHERS: A category of property that the Business Personal Property form can cover and that includes personal property of others (such as your customers) while the property is in your custody.POLLUTION LIABILITY: Coverage is available for insuring pollution liability arising out of designated sites and underground storage tanks.PROPERTY DAMAGE LEGAL LIABILITY: Coverage for fire damage to premises rented to or temporarily occupied by you.PROPERTY OFF-PREMISES / TRANSIT: Provides coverage for the insured’s business personal property in the due course of transit in the following areas not covered under standard property policies: (1) owned insured vehicles, (2) through salesman and (3) in the care, custody and control of common carriers truck, air and ocean going vessels.PROFESSIONAL LIABILITY/ ERRORS & OMISSIONS: Covers persons engaged in various occupations against liability due to their rendering or failing to render professional services, exclusive of the exposures covered under the Commercial General Liability policies.RENTAL REIMBURSEMENT (AUTOMOBILE): Reimbursement for costs to rent a replacement vehicle while an insured vehicle is inoperable due to a covered cause of loss.REPLACEMENT COST OPTIONAL COVERAGE: Coverage for losses to most types of property on a replacement cost basis (with no deduction for depreciation or obsolescence) instead of on an actual cash value basis." "TOWING & LABOR: Coverage for necessary towing and labor costs due to the disablement of a covered private passenger auto; coverage requires that the labor must be performed at the place of disablement.VALUABLE PAPERS & RECORDS: Used to insure against loss to valuable papers and records. Valuable papers might include prescription records in a drug store, plans and blueprints belonging to an architectural or engineering firm, and similar records. The policy covers the cost of necessary research to reconstruct the records. Irreplaceable records, such as valuable manuscripts, are scheduled with an agreed value shown for each item.WORKERS’ COMPENSATION & EMPLOYERS LIABILITY: Provides coverage for benefits an employer is obligated to pay under workers compensation laws and coverage for employee injury claims made against the employer that are not covered by workers compensation laws. Some state statutes obligate employers, regardless of fault, to pay specified medical, disability, rehabilitation, and death benefits for their employee’s job-related injuries and diseases. The Workers Compensation portion of this policy addresses such claims.

Your Message:
If you have any additional questions or concerns, please use the space provided below.

Input this code for validation purposes*

Disclaimer:
Coverage cannot be bound or modified by use of this form.