• Business Income and Extra Expense - Actual Loss Sustained - Provides coverage for the actual loss of business income and extra expenses sustained for a selected time period without a limit of liability applying. (Please note for Advertising, Accounting, Architectural Consulting, Lawyers, Engineering Consulting, and Real Estate Business Income and Extra Expense is limited by Business Income and Extra Expense Limitation Endorsement 8-E-1520.)
  
• Business Breakdown Coverage-Protects property from disturbances from artificially generated electrical current and mechanical breakdown. Consult your independent agent for complete details of the coverage afforded under this endorsement. Some of the property covered includes:
  - Heating and cooling systems
  - Computer hardware and Software
  - Telephone systems
  - Spoilage and containment (perishable goods)
  -Service interruption
• Accounts Receivable
• Valuable Papers and Records
• Enhanced Computer Coverage
• Money & Securities
• Employee Dishonesty
• Forgery & Alteration
  May optional coverage endorsements can be added to this package policy to tailor it to the needs of your individual insurance business.
  
• Business Link - This endorsement broadens the basic coverages provided under the policy and extends limits on various other coverages. A few of these coverages/coverage extensions include:
  -Accounts Receivable (higher limits than provided on the Business Owners)
  -Valuable Papers & Records (higher limits than provided on the Business Owners)
  -Back Up of Sewer or Drain (higher limits than provided on the Business Owners)
  - Business Income from Dependent Properties
  - Hired & Non-Owned Auto Liability
  -Fire Legal Liability Extension Condominium Commercial Unit-Owners Endorsement -Since many Condominium Associations hold unit-owners responsible for damages to property to which they have a shared interest, Utica’s Condominium Commercial Unit-Owners endorsement is a valued option.
  
• The Condominium Commercial Unit -Owners endorsement provides coverage for Loss Assessments charged to the unit-owners by the Condominium Association as a result of direct physical loss of, or damage to, property in which each unit-owner has an undivided interest. In addition, the endorsement includes coverage for Miscellaneous Real Property, which pertains only to the unitowner’s unit or property that the unit-owner must insure according to the Condominium Association Agreement.

Business Personal Property Supplemental Coverage—This optional coverage increases or includes coverage for the following types of business personal property:

• Business personal property while it is away from your covered premises
• Business personal property of others while in your care, custody and control,
• Business personal property, as described above, while in transit

Helping You Get The Coverages That Are Right For Your Business
Here’s a sample of the coverage enhancements available from Utica to help protect your business:

• Commercial Auto Extension Endorsement -Extends your Business Auto Policy by including additional cover age items not written in your basic Auto Policy. Two of the more popular features of this endorsement are Automatic Hired Auto Physical Damage coverage and Theft Expenses coverage.
• Employee Benefits Program Liability (EBL) -Insures against negligent acts, errors, or omissions committed by you or any person whose acts you are legally responsible
  for while engaging in the administration of your employee benefit plans.
• Employment Practices Coverage (ERPLI) -Protects against a wide range of exposures including wrongful termination, wrongful refusal to employ, sexual harassment, discrimination, failure to promote, and much more.
• UNI-Flex Endorsement -Modifies your Commercial Package policy by providing broader coverage for your type of business. UNI-Flex offers coverages not normally
  included in a typical package policy and extends limits on various other coverages as specified in the form.

Our vast Bond experience can help you identify your professional services’ fidelity and crime needs. We have coverages like:

• Fidelity coverage with higher limits more in line with the professional’s exposures
• Fidelity endorsements that offer coverage while their employees are away from their premises
• Computer Fraud coverage for outside hackers breaching sensitive financial information
• Numerous Court Bonds for defendant and plaintiffs
• Numerous Court Administrative bonds

Profit From Our Experience

• Accessible Professionals -Independent agents in your community who can help you design a complete insurance program to meet your business’ needs.
• Claims Services - Utica’s claims offices are staffed with experts who know your needs and are on call 24 hours a day, seven days a week to serve you promptly and efficiently.
• Group Savings - Utica has established Safety Groups for many industries, including a general group for a variety of Professional Service businesses. These programs can result in substantial savings in the form of dividends to participating businesses when their group’s combined loss experience is favorable.*
• Loss Control Services -Utica’s loss control specialists can help you identify potential hazards and recommend measures to eliminate or reduce those risks.
• Payment Convenience -Utica’s UNIBILL program allows you to combine up to ten commercial policy premiums on a single bill, with a modest service charge and no interest charges. You can choose the due date to fit your budgeting needs.
• Savings for Workers Compensation Customers - Those customers who are not members of a Workers Compensation safety group may receive substantial dividend savings in one of Utica’s specially designed dividend programs. Various sliding
  scale and retention plans are available.
• Support for Unique Business Exposures - Utica’s member company, UNI-Service Excess Facilities, specializes in providing coverage for “non-standard” exposures you may have.

* Coverage and availability vary by state. Consult your agent and the policy for coverages, terms and conditions.