It is vital to protect your Business from the devastation property damage or a potential lawsuit could bring. The challenge is locating the right property and liability protection at the right price. First, you want coverage designed specifically for small businesses. Second, you need the kind of business owner's policy that covers a wide range of liability and property risks. Third, you do not want to settle for a one-size-fits-all policy. You need the option to upgrade your coverage and tailor it to your business' specific needs. 

The Affinity Business Owners Policy Insurance Program delivers all of these benefits and more.

Practical Help

• Makes sure you'll never have to face a property damage loss or liability lawsuit alone.
• Offers you the flexibility to build a customized plan that meets the needs of your business.
• Covers a broad range of liability risks, as well as building and business personal property risks, faced by your business.

Valuable Benefits

CNA provides first party products-completed operations which is a form of insurance coverage that protects you from customer lawsuits alleging injury due to your product which includes the following benefits:

• Protecting company assets in the event a customer sues you to recover the costs of property damage or bodily injury
• Preventing business failures or bankruptcy when your assets are insufficient to cover a legal judgment
• Satisfying banker expectations to fulfill your obligations to them
• Providing peace of mind to customers that you will make them whole in the event your product hurts them
• Workers' Compensation
  Features 24-hr., seven-days-a-week access to the claims reporting facility. Offers a program to help get employees back to work as soon as possible
• Comprehensive General Liability
  Limit of $1,000,000/$2,000,000 with option to purchase higher limits via an Umbrella
• Medical Payments
  Pays applicable medical costs up to $5,000 per person/accident if someone is injured and needs medical treatment due to an accident on your premises
• Personal and Advertising Injury
  Protects against claims of financial damages to others resulting from your advertisements, as well for claims against you for actions or statements deemed slanderous to a person's reputation
• Defense Costs
  Pays legal expenses for liability claims brought against your firm regardless of fault
• Tenants Legal Liability
  Protects against claims of damage up to $300,000 due to fire or other covered losses caused by you to premises you rent
• Building and Contents
  Provides all risk and replacement costs with no coinsurance, up to the limit you select
• Business Income
  Reimbursement for actual loss of earnings for up to 12 months resulting from a covered loss to your property; covers extra expenses needed to continue operations, such as rental of temporary office space
• Equipment Breakdown
  Covers the cost to repair or replace vital equipment that breaks down, such as air conditioners, computers, phone systems and boilers
• Money and Securities
  Protects against lost money and securities used in your practice, $10,000 on premises; $5,000 off premises
• Optional Coverages
  Flexible, tailor-made coverages are also available for: accounts receivable, valuable papers and records, law library, fine arts, forgery, computer fraud, employee dishonesty, umbrella protection and more

The information presented contains summaries of selected coverage features and is intended as general information only. It does not contain all the terms, conditions and exclusions applicable under the policy. Refer to the actual policy form for a complete description of the insurance provided. The precise coverage afforded in individual cases is subject to the terms and conditions of the actual policy as issued and may vary from the general descriptions given above.