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Many businesses buy commercial insurance thinking that the policy they have covers most if not all things that might go wrong and cause a loss to their business.  That kind of thinking can lead to an uninsured loss.

We take the time to educate ourselves on your risks, and then design an insurance program to meet your needs.  Here are examples of insurance coverage options that you should consider. 

Business Income and Extra Expense

Commercial property insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations.  To put it another way, business income insurance covers the loss of income that a business suffers after a covered loss, (fire, etc.), while its facility is shut down or in the process of being rebuilt.

Extra expense covers the additional costs, in excess of normal operating expenses, that an organization incurs to continue operations while its property is being repaired or replaced after having been damaged by a covered cause of loss.

Equipment Breakdown

Equipment breakdown covers loss due to a mechanical or electrical breakdown of equipment, machinery, including pumps, motors, heater and other kinds of equipment.   Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.  Equipment breakdown insurance is increasingly replacing traditional boiler and machinery (BM) insurance, in part simply because the title is more descriptive of the coverage provided.

Alternatives Insurance® Agency was established in St Louis County in the fall of 1992 .  Throughout the remainder of 1990's and through the millennium, additional locations were opened in order to service North and West St Louis, Saint Charles and Jefferson Counties.  The demand for our products continued to increase motivating the partners of the organization to develop a business model in an effort to continue the growth and success without losing our superior customer service values.  

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