Term

Definition

Building Coverage:

Provides coverage for your buildings; completed additions; permanently installed fixtures such as machinery, equipment and floor coverings; building service equipment such as fire extinguishers, refrigeration, ventilating and cooking systems.

Business Personal Property Coverage:

Provides coverage for your business contents, including equipment, furniture and fixtures, supplies and stock stored in the buildings or within 100 feet of the insured premises. This can be expanded to include improvements and betterments you have made as a tenant.

Business Income Coverage:

Provides coverage to restore your business to the position that would have existed had there been no disruption of operations by a covered loss.

Extra Expense Coverage:

Provides coverage to pay the extra expenses incurred to resume your business following a covered loss. This could include using a temporary location.

Scheduled Items:

Provides additional coverage for specific items used in a business such as computers, contractor equipment, fine arts, usually over $1,000 in value.

Glass & Sign Coverage:

Provides specific coverage for your building’s glass and signs.


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Contact Us

Hetrick & Associates
300 South Front Street Marquette, MI 49855

Phone: (906) 228-7500
or toll free
1-800-562-9773

Fax: (906) 228-5385
h&a@hetrickins.com
2nd Location

Jennings Insurance
396 US 41
Negaunee, MI 49841

(906) 475-4171
jennings@up.net
Office Hours

8am - 5pm M-F
evenings by appointment

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