What it does
Covers loss of perishable stock from causes such as power outage or refrigeration breakdown, as described in the endorsement.
Who needs it
Home businesses that keep perishable stock.
Quoting and selling notes
- Carrier rules may limit food-related businesses under the home business program.
Editions and availability
Editions in use and where they apply: 03 22 (39 jurisdictions); 05 11 (7 jurisdictions: AL, CA, CT, FL, GA, HI, VI).
A homeowners policy is not built for commercial exposures. Workers compensation for employees, business auto, professional liability and larger product or premises exposures need commercial policies; use homeowners endorsements only for incidental activity and move growing businesses to a BOP or CGL program.
