Coverages
As a bookstore owner, you need a policy that protects your investment, is easy to understand, and is favorably priced. The LIBRIS policy is designed to address the loss exposures unique to bookstores and cafés, while rewarding you with the low rates that you deserve.
Included Coverage
$2 million per occurrence/$4 million aggregate business liability limit
$2 million personal and advertising injury
$100,000 tenant legal liability
$100,000 personal property at newly acquired premises
$25,000 for outdoor signage
$5,000 in medical payments per person
Mechanical breakdown
Business interruption — All loss sustained up to 12 months
Hired/non-owned automobile
Optional Liability Coverages
Umbrella liability
Additional Property Coverages
| Accounts receivable | $50,000 |
| Money and securities | $25,000 in, $10,000 out |
| Valuable Papers | $50,000 in, $10,000 out |
| Limits can be increased on all of the above. | |
| Personal effects | $15,000 |
Optional Coverages
| Employee dishonesty | Up to $100,000 |
| Building ordinance | Up to $100,000 |
| Food spoilage | Varies per risk |
| Employee benefits | Varies per risk |
| Optional deductibles of $500, $1,000, $2,500, and $5,000 are available to suit your needs. | |
The above is a summary of coverage, not a contract for insurance. For additional information, terms, conditions, restrictions or limitations, contact a LIBRIS insurance representative by calling 888-694-8585 or e-mailing LIBRIS@beechercarlson.com.
