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Business Owners Advantage


Coverage for offices and retail businesses.
American National Property and Casualty Company's (ANPAC®) Business Owners Advantage policy is designed to provide affordable quality protection for retail businesses and offices. It contains a host of special optional coverages to address your specific needs.

Property Protection
Business Owners Advantage includes coverage for your buildings, permanently installed equipment, outdoor fixtures, business personal property (including computer systems), electronic media and records, and your interest in tenant improvements and betterments.

Other Coverages include:

  • Accounts Receivable
  • Money and Securities
  • Forgery or Alterations
  • Debris Removal
  • Outdoor Property, including signs
  • Newly Acquired Property
  • Property in Transit or Temporarily Off Premises
  • Valuable Papers and Records (cost of research), including electronic or magnetic media
  • Property of Others while in your care, custody or control
  • Liability Protection

Liability coverage is valuable protection in the event you are sued due to a negligent act in the course of your business. This important protection is an automatic feature of Business Owners Advantage, and is available in various amounts to serve your needs.

The following items are included:

  • Premises and Operations
  • Hired & Non-owned Auto
  • Products/Completed Operations
  • Personal Injury
  • Advertising Injury
  • Fire Legal Liability
  • Medical Expense
  • Loss of Income

Your business income is paid, up to twelve months, when your business is interrupted by an insured peril. Business Owners Advantage also pays for certain extra expenses needed to resume normal business operations.

Special Features In addition to the coverages outlined here, you will also benefit from special features found in Businessowners Advantage:

Replacement Cost Coverage. Pays the cost of replacing your buildings or business personal property with materials of like kind and quality at current prices. Coverage on an actual cash value basis is optional.

Equipment Breakdown Coverage. Covers physical and financial damage from an insured equipment failure. Coverage for many types of equipment including: electrical distribution systems, HVAC, telephone and electronic systems and equipment.

Automatic Increase in Insurance. Prevents inflation from devaluing your insurance protection by automatically increasing the amount of coverage on your buildings each year. A choice of percentages is available on an optional basis.

Peak Season Coverage. Increases your limit for business personal property automatically - a valuable feature if your inventory fluctuates seasonally.

Deductible Options. Allows you to choose higher deductibles for additional savings.

Premium Discounts. Lowers your payments with credit for qualified security systems.

Payment Plans. Spreads out your premium payments to free up capital for current business needs.

Optional Coverages
Depending on your exact business needs, you may want to include some of the following coverages in your policy:

  • Utility Services - Direct Damage
  • Employee Dishonesty
  • Employee Benefits Liability
  • Outdoor Signs in higher
  • Accounts Receivable in higher limits
  • Valuable Papers & Records in higher limits
  • Earthquake
  • Spoilage Coverage

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Personal lines and commercial products and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by American National Property And Casualty Company (ANPAC(R)), Springfield, Missouri or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents). Life insurance and fixed annuity products are issued through American National Insurance Company, Galveston, Texas.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, IL.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.

As of 9/29/09