Axiom Insurance

Your business property: Your team at Axiom goes well beyond industry standards to provide comprehensive coverage for your property. And unlike many insurers, we don’t require you to specify separate sub-limits for your most important belongings, like your computer equipment and media, your valuable papers, and your telephone equipment.

Employee Tools & Equipment: This policy will cover tools and equipment owned by your employees and used in your business operations.

Business Crime:Choose your enhanced program for janitorial services and we’ll protect you against losses resulting from employee dishonesty or forgeries. We’ll also provide coverage for your money and securities on-premises and in-transit.

Loss of Income after a covered loss:Your protection can extends to your business income as well as your property. With your optional coverage for business income, if an equipment breakdown or other covered loss forces you to suspend operations, we’ll reimburse you for your lost income.

Valuable Papers:We’ll pay to restore or recreate any of your valuable documents that are stolen or damaged by fire, water, and other covered hazards.

Dependant Properties Coverage:Depend on a few key suppliers or customers? What would happen to your income if they went out of business because of a fire or other covered cause of loss? Nothing too drastic...if you’re protected by this business interruption coverage, which is automatically included in The Hartford’s property policy.

Contract Penalties:If a covered loss ever prevents you from fulfilling the terms of a client contract, your policy will cover any breach of contract penalties.

Your Computer System:In addition to your computer hardware, your janitorial services insurance program will protect your electronic storage media and other computer equipment.

Employee Theft and Dishonesty:Choose your enhanced program for business services and we’ll cover financial losses that result from employee dishonesty and/or forgery.

Equipment Breakdown Coverage Highlights

Equipment Repair & Replacement Cost:Automatically built into your insurance plan is coverage for damages and repairs to your equipment, including pressure washers, scrubbers, and floor cleaning systems as well as your computers, air conditioners, heating and electrical systems, and water heaters.

Loss of Income Resulting from Equipment Breakdown:If an equipment breakdown forces you to partially or completely shut down your operations and you've elected your business income option, your policy will reimburse you for the resulting loss of income.

General Liability Coverage Highlights

Lost Key Coverage:Add this option to your policy and we’ll cover the cost of replacing lost keys, adjusting locks, and buying and installing new locks.

Damage to your Clients Property:If your business is held legally liable for damage to your client's property, this policy will pay up to the full limit of the policy…without a deductible.

Your Products or Complete Operations:Included in your general liability policy is coverage for claims arising from the products you sell or the services you complete

Bodily Injury to Others:If your business is legally liable for the injuries of others, your policy protects you. It also covers claims for mental anguish resulting from an injury, sickness or disease for which you’re held responsible.

E-Business Activities:Your coverage can automatically extend personal and advertising injury liability protection to your entire Web site, including any claims that may arise because of content, chat rooms, bulletin boards or links.

Damage to the Property of Others:Your liability insurance protects you if you are responsible for damage to the property of others. We extend this coverage to include borrowed equipment that’s damaged at your job site while it is not being used.

Damage to the premises you rent or occupy:Your policy will pay up to a certain limit if you are responsible for damages to the premises you rent or occupy if the damage results from fire, lightning or explosion.

Personal & Advertising Injuries:With your policy, you’d be protected if others claim your business was responsible for false arrest, malicious prosecution, libel, slander, wrongful eviction, discrimination or humiliation, or invasion of the right of privacy. We'll also protect you if others claim you infringed on their copyrights in your advertisements or that you copied their advertising ideas.

Burlary, Robbery, Theft or Mysterious Disappearance:If you lose keys or otherwise fail to secure your client's premises, you may be held liable for any resulting disappearance of tangible property. If so, you’ll benefit from this extended property damage coverage.

Premises Medical Payments:We provide up to $10,000 in medical expenses for each person injured on your premises or because of your business operations. You do not need to be legally liable for these injuries for us to pay.

Additional Insureds:If a written contract requires you to name someone else as an additional insured on your policy, we’ll automatically extend that status to them. We will also provide them with primary coverage if they require it of you.

Employment Practices Liability Coverage Highlights

Suits involving wrongful acts related to your employment practices:This valuable addition to your insurance program can pay for your defense costs as well as damages if your business is sued for a host of employment-related issues, including unlawful discrimination, sexual harassment, wrongful termination, wrongful failure to promote or hire, wrongful discipline or demotion, infliction of emotional distress, and violation of the Federal Family and Medical Leave Act.

The suggestions and information contained herein are provided for informational purposes only and are not intended to be all inclusive. Please refer to the issued policy for specific details regarding coverages, conditions and exclusions. In the event of a conflict between the terms contained herein and the policy, the policy terms and conditions will prevail.