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Fulmont Mutual Insurance Company

Entrepreneurship Series - Home Based Business

Your personal lines policy does not provide liability for business operations, and only provides $500 Business property coverage while on the premises.

Our Home - based Business program will provide coverage for your business liability and your business property at Actual Cash Value or Replacement Cost as well as the following coverages:

Standard BOP Coverages -
 
  • Additional Expense - $1,000
  • Products Coverage - Automatic
  • Loss of Income - Actual up to 3 months
  • Liability OLT - $100,000
  • Fire Legal - $50,000
  • Medical Payments - $500/$10,000
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OR - Deluxe BOP Coverages -
 
  • Additional Expense - $1,000
  • Personal Injury - Included
  • Loss of Income - Actual up to 6 months
  • Seasonal Variation - 25% of Business Property limit for stated 90-day period
  • Fire Legal - $50,000
  • Valuable Paper/Records - $1,000
  • Accounts Receivable - $1,000
  • Products Coverage - Automatic
  • Employee Dishonesty - $1,000
  • Liability BGL - $300,000
  • Exterior Signs - $1,000
  • Medical Payments - $1,000/$25,000
  • Money and Securities - $1,000
 
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Types of Eligible Risks -
 
  • Bakeries
  • Florist
  • Balloon Shop
  • Game, Toy, Hobby Store
  • Barber Shop & Beauty Salon
  • Gift, Novelty, Souvenir Store
  • Bicycle Shop
  • Record, Tape, Video Store
  • Book, Card or Magazine Shop
  • Retail, NOC
  • Candy, Nut, Confectionery Store
  • Tailor, Shoe Repair, Other Service Classes
  • Clothing Store
  • Office Class

In addition to the basic Home-based Business form which could cost you as little as the minimum premium of $100, you can add Broad Form coverage (form FMIC HOB - 1, edition 7/98) which provides the following enhanced coverages for an additional premium of $50.00 -

  • Accounts Receivable - $5,000

  • Employee Dishonesty - $2,500

  • Exterior Signs - $2,000

  • Money and Securities - $2,000

  • Valuable Paper/Records - $2,000

  • Loss of Earnings - Interruption of Off-Premises Power, Water, Communications Systems - $1,000. All loss - One event; $2,500 all events during policy period.

  • Transportation Coverage - Merchandise $5,000 per occurrence while aboard conveyance of common/contract carrier; or, $1,00 per occurrence while conveyed by you.

  • Employer's Non-Ownership Auto

If you operate a Barber Shop or Beauty Salon, we can provide the above Board form coverages and the required Beauty or Barber Shop Professional Liability (form FMIC HBB-1, edition 7/98) for an additional premium of $71.00 for Barber Shops or $88.00 for Beauty Salons.


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For further information regarding our policies, send e-mail to
info@fulmontmutual.com, or write to us at:
Fulmont Mutual Insurance Company
P.O. Box 487, Johnstown, NY 12095-0487

2011 Fulmont Mutual Insurance Company. All rights reserved.
This web site was developed by Empire Web Pages on June 07, 1997.
This page was most recently updated on May 23, 2011.