The Basic Commercial Home Insurance Program covers:

• Fire
• Lightning strike
• Smoke
• Forest fire
• Explosion
• Aircraft crash
• Vehicle Crash
• New Replacement Value Debris
• Removal Fees License Issuance
• Expenses & Fees of Architectural Engineering
• Damage during fire fighting

With the Multi-Protection Business Premises Insurance Program, coverage applies in all options of the Basic Program with the following additions:

• Political Riots, Strikes, Demonstrations, Riots
• Terrorist actions
• Malicious actions
• Flood, Storm, Storm
• Snow, Hail, Frost
• Falling Trees
• Water Pumping Expenses
• Pipeline Bursting, including investigative work
• Accidental leaking sprinklers
• Burglar Damage
• Crystal breakage
• Short circuit
• Civil Liability against Third Parties from Covered Risk
• General Civil Liability
• Term of Providence
• Property Custody Expenses

The following covers are provided when the content of the business is insured:

• Employer's Liability
• Theft after Burglary
• Cashier robbery
• Theft of Prescriptions (applies to pharmacy insurance)
• Destruction of Prescriptions from a covered risk (applies to pharmacy insurance if the value of the prescriptions has been declared)
• Expenses of Temporary Relocation & Transport of Insured Contents
• Alteration Commodity
• New in content value for equipment up to five (5) years old
• Daily allowance due to business interruption due to a covered risk

Optional Covers: Safe Burglary Short circuit without flame condition Earthquake (covers damage from shock, fire, subsidence, landslide as a result of an earthquake)

Possibility of payment through account or credit card.