• Office    Veterinary  Offices

    You invest your time, money, and effort in developing your practice to maintain your property and encourage safety among your employees while providing quality service to your clients.  The Master PacSM family of products from Travelers Select Accounts provides a policy designed especially for Veterinary Offi es. You get the coverages you need and the service you deserve at a price you can afford.

    Text Box: Core Coverage Highlights


    Property Highlights

    Property Coverage covers your Building and Business Personal Property for replacement cost with no coinsurance.

    •  Accounts Receivable:

    -  Coverage is included up to $25,000 on and off premises. On premises limit may be increased.

    Deductible does not apply.

    •  Business Income and Extra Expense:

    Covers income that is lost due to suspended operations caused by damage at the described premises from a covered cause of loss. This is an optional coverage for Pac PlusSM.

    Office PacSM

    Automatically included and includes rental value.

    Included on an Actual Loss Sustained basis for up to 12 consecutive months.

    Coverage may also be written on a policy or location level basis for any dollar limit without the 12-month limitation.

    Office Pac PlusSM

    Optional.

    When selected, the coverage may be written with a policy or location level dollar limit. The dollar limit is based on 50 percent of annual receipts and may be modified.

    •  Business Personal Property Off Premises - such as physicians equipment and instruments:

    Coverage for Business Personal Property Off Premises is provided, including while in transit or temporarily away from the scheduled premises and at a premises you do not own, lease or operate; or at any fair, trade show, or exhibition.

    •  Crime Coverage:

    Employee Dishonesty and Forgery or Alteration coverage are both included up to $25,000 and limit may be increased.

    Money and Securities are included within Business Personal Property. Theft of Money and Securities is limited to $25,000 for Offi  e Pac Plus. Limit may be increased.

    Theft Damage to Rented Property coverage is included within Business Personal Property when tenant is contractually obligated to make repairs.

    •  Electronic Data Processing Equipment, Data and Media:

    Coverage is included subject to the Business Personal Property limit, for a maximum of $50,000.

    Limit may be increased.

    Coverage applies worldwide.

    Enhanced perils under this Coverage Extension include protection against loss by electrical current, mechanical breakdown and power failure.

    Off premises (including transit) coverage, backup data off-premises coverage, and newly acquired equipment coverage is included up to $25,000.


    •  Equipment Breakdown:

    Coverage for Equipment Breakdown is included within applicable limits.

    Diagnostic equipment, power-generating equipment, and production equipment are limited to $100,000 for direct damage. Limit may

    be increased.

    Service interruption of water, communication, or power supply services is covered from a covered breakdown (when Business Income and Extra Expense is covered).

    •  Fine Arts:

    - Up to $25,000.

    Coverage applies anywhere in the coverage territory.

    The breakage limitation does not apply.

    Limited exclusions.

    Special valuation terms.

    Limit may be increased.

    •  Signs:

    Coverage for Signs within 1,000 feet is included within the Building limit when building coverage is written or within Business Personal Property limit when tenant is contractually obligated.

    •  Valuable Papers and Records - such as patient files:

    Coverage is included up to $25,000 on and off premises. On premises limit may be increased.

    Includes the cost to research, replace or restore lost information.

    General Liability Highlights

    General Liability Coverage protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.

    •  General Liability Limits of $1 million per occurrence / $2 million aggregate are standard for Office Pac and Office Pac Plus with an option for higher limits of

    $2 million per occurrence / $4 million aggregate available for Office Pac.

    •  Advertising Injury and Personal Injury.

    •  Medical Payments for $5,000 per person.

    •  Damage to Premises Rented to You is included up to $300,000. Limit may be increased.

    •  Blanket Contractual for all insured contracts.

    •  Host liquor liability.

    •  Limited worldwide coverage.

    •  Products/Completed Operations coverage is included. (May be excluded on Office Pac Plus).

    •  Web XTEND®  endorsement is automatically provided for most Offices. Coverage includes personal injury, advertising injury and worldwide Web site injury protection (some restrictions apply).


     

    Text Box: Popular Options for Offices


    Medical and Dental Offices Endorsement – designed specifically for medical and dental professionals – enhances more than 24 coverage features. See chart on next page for more details.

    •  Denial of Service Attack Time Element – optional coverage enhancement available when Business Income and Extra Expense is covered.

    -    Coverage for Business Income and Extra Expense due to the necessary suspension of electronic commerce computer operations due to a denial of service attack.

    -   Up to a limit of $10,000.


    •  Other Options Available:

    -   Higher limits for most individual coverage extensions.

    -   ERISA Welfare and Pension.

    -   Building Owners Endorsement.

    -   Water or Sewer Back up and Sump Overflow.

    -   Hired and Non-owned Auto Liability.

    •  XTEND Endorsement® for liability coverage enhancement – It provides 15 extensions of coverage including:

    -   Broadened Named Insured.

    Blanket Additional Insured – Managers or Lessors of Premises or Leased Equipment.

    •  Veterinarian’s Professional Liability coverage is available.


    Coverage Features for Medical and Dental Office Endorsement (MP T9 92)

     

    Accounts Receivable – At described premises

    $25,000

    Current limit increased by $250,000

    Accounts Receivable – In transit or at a location other than described premises

    $25,000

    Current limit increased by $250,000

    Brands and Labels

    None

    $25,000

    Business Income and Extra Expense – Dependent Property

    $10,000

    $25,000

    Business Income and Extra Expense – Newly Acquired Premises

    $250,000

    $500,000

    Business Income – Daily Limit Option

    None

    Up to $1,000 each business day/max 15 consecutive days

    Claim Data Expense

    $5,000

    $10,000

    Computer Fraud

    None

    $10,000

    Electronic Data Processing Equipment/Data/Media – Electronic Vandalism

    $25,000

    $50,000

    Electronic Data Processing Equipment/Data/Media – In transit or at a location other than described premises

    $25,000

    $50,000

    Extended Business Income

    60 Days

    90 Days

    Identity Fraud Expense

    None

    $15,000 Annual Aggregate Limit

    Limited Building – Tenant Obligation

    None

    $10,000

    Lost Key Consequential Loss

    None

    $500

    Newly Acquired or Constructed Property – Business Personal Property

    $250,000

    $500,000

    Ordinance or Law – Increased Period of Restoration

    $25,000

    $50,000

    Ordinance or Law – Tenants Improvements and Betterments

    Not Included

    Included

    Outdoor Trees, Shrubs, Plants and Lawns

    $3,000

    $5,000

    Spoilage

    None

    $50,000

    Theft of Precious Metals

    $5,000

    $25,000

    Unauthorized Business Card Use

    None

    $5,000

    Utility Services Direct Damage – Water, Power and Communication

    None

    $2,500

     

    Text Box: Place All Your Business With Travelers

    Travelers also offers competitive coverages and rates for:


    Workers Compensation

    In today’s ever-changing workers compensation climate, it is critical to have the best insurance carrier working with you to protect your employees and fight rising loss cost trends.

    Travelers offers:

    •  Claim and medical professionals to promptly handle, investigate and resolve your claims.

    •  Early intervention medical networks and return-to- work strategies to control claim costs, enabling your injured employee to return to work when medically appropriate.

    •  Information directly to the injured employee via the Internet. Employees can go online to review

    their claim payment information and obtain medical self-care tips.

    •  Workers Compensation may also be written on a standalone basis.


    Automobile

    To protect against liability or physical damage losses. Travelers offers:

    •  Commercial auto coverage providing protection for physical damage to and liability for use of your owned autos.

    •  Ability to tailor coverage for hired and non-owned auto exposures.

    •  Capacity to write multi-state exposures on one policy*.

    •  Select Auto CoveragePlusSM endorsement adds nine new coverage enhancements in one coverage form (not available in all states).

    •  Automobile insurance may be written on a standalone basis.

    * Multi states capability does not apply in HI and MA.


    Umbrella Liability

    Provides protection above the General Liability, Automobile Liability and Employer’s Liability coverages on your underlying insurance policies. The Umbrella policy can provide primary coverage in certain situations depending on the scope of the underlying coverage.

    Travelers offers:

    •  Protection above the General Liability, Automobile Liability and Employer’s coverages on your underlying insurance policies.

    •  Coverage includes:

    Broadens the defi    ion of Named Insured.

    Expanded defi    ion of Bodily Injury.

    Worldwide territory.

    Automatic coverage for newly acquired or formed organization without the 90-day limitation.

    •  Umbrella limits are available for up to $25 million of total aggregate protection.


     

    Text Box: Why Choose Travelers

    Business


    CorE  CoVErAGE  HiGHliGHtS

    Travelers business owners policy offers an affordable way for you to obtain

    property and liability insurance. This policy

    includes key coverages

    that are important to any business, and also offers

    additional business-specific options that are important for any building owner.

    Property highlights

    Property coverage covers your building and business personal property for replacement cost with no coinsurance.

    •     Accounts receivable:

    –    Coverage is included up to $25,000 on and off premises. On-premises limit may be increased.

    –    Deductible does not apply

    •     Business income and extra expense:

    –    Covers income that is lost due to suspended operations caused by damage at the described premises from a covered cause of loss. This is an optional coverage

    for Pac PlusSM.

    –    Business PacSM

    –    Automatically included and includes rental value

    –    Included on an actual loss sustained basis for up to 12 consecutive months

    –    Coverage may also be written on a policy or location level basis for any dollar limit without the 12-month limitation

    –    Business Pac PlusSM

    –    Optional

    –    When selected, the coverage may be written with a policy or location level dollar limit. The dollar limit is based on 50 percent of annual receipts and may be modified.

    •     Business personal property off premises:

    –    Coverage for business personal property off premises is provided, including while in transit or temporarily away from the scheduled premises and at a premises you do not own, lease or operate; or at any fair, trade show or exhibition.


     

    •     Crime coverage:

    –    Employee dishonesty and forgery or alteration coverage are both included up to $25,000 and limit may be increased

    –    Money and securities are included within business personal property. Theft of money and securities is limited to $25,000 for Business Pac Plus. Limit may be increased.

    –    Theft damage to rented property coverage is included within business personal property when tenant is contractually obligated to make repairs

    •     Electronic data processing equipment, data and media:

    –    Coverage is included subject to the business personal property limit, for a maximum of $50,000

    –    Limit may be increased

    –    Coverage applies worldwide

    –    Enhanced perils under this coverage extension include protection against loss by electrical current, mechanical breakdown and power failure

    –    Off-premises (including transit) coverage, backup data off-premises coverage and newly acquired equipment coverage included up to $25,000

    •     Equipment breakdown:

    –    Coverage for equipment breakdown is included within applicable limits

    –    Diagnostic equipment, power-generating equipment, and production equipment are limited to $100,000 for direct damage. Limit may be increased.

    –    Service interruption of water, communication or power supply services is covered from a covered breakdown (when business income and extra expense is covered)

    •     Fine arts:

    –   Up to $25,000

    –    Coverage applies anywhere in the coverage territory

    –    The breakage limitation does not apply

    –    Limited exclusions

    –    Special valuation terms

    –    Limit may be increased

    •     Signs:

    –    Coverage for signs within 1,000 feet is included within the building limit when building coverage is written or within business personal property limit when tenant is contractually obligated

    •     Valuable papers and records:

    –    Coverage is included up to $25,000 on and off premises. On-premises limit may be increased.

    –    Includes the cost to research, replace or restore lost  information


     

    General liability highlights

    General liability coverage protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.

    •     General liability limits of $1 million per occurrence/

    $2 million aggregate are standard for Business Pac and

    Business Pac Plus with an option for higher limits of

    $2 million per occurrence/$4 million aggregate available for Business Pac

    •     Bodily injury and property damage liability

    •     Medical payments for $5,000 per person

    •     Damage to premises rented to you is included up to

    $300,000. Limit may be increased

    •     Host liquor liability

    •     Limited worldwide coverage

    •     Personal and advertising injury

    •     Premises liability

    •    

    Popular options for businesses

    •     Power PacSM property coverage endorsement – enhances coverage in 20 key areas. See chart on reverse side for more details.

    •     Denial of service attack – time element – optional coverage enhancement available when business income and extra expense is covered

    –    Coverage for business income and extra expense due to the necessary suspension of electronic commerce computer operations due to a denial of service attack

    –    Up to a limit of $10,000

    •     Other options available:

    –    Higher limits for most individual coverage extensions

    –    Employment Practices Liability+ (EPL+SM) with identity fraud expense reimbursement available

    –    Building owners endorsement

    –    ERISA

    –    Sewer or drain backup

    –    Hired and non-owned auto liability

    –    Bailees customers goods endorsement available

    •     CyberFirst Essentials®  – Small Business

    •     Employment Practices Liability+ (EPL+SM) with identity fraud expense reimbursement available

    •     XTEND Endorsement® for liability coverage enhancement – it provides 15 extensions of coverage including:

    –    Broadened named insured

    –    Blanket additional insured – managers or lessors of premises or leased equipment

     
    Products/completed operations liability


    Coverage features for Power Pac endorsement (MP t9 70)

     

    Accounts receivable – at described premises                                                                                                                                   $25,000                                               Current limit increased by $100,000 Accounts receivable – in transit or at a location other than described premises                                               $25,000                                               Current limit increased by $100,000 Brands and labels                                                                                                                                                             None                                                    $25,000

    Business income and extra expense – dependent property                                                                                                         $10,000                                               $25,000

    Business income and extra expense – newly acquired premises                                                                                                 $250,000                                             $500,000

    Claim data expense                                                                                                                                                                                 $5,000                                                 $10,000

    Computer fraud                                                                                                                                                                                     None                                                    $5,000

    Electronic data processing equipment/data/media – electronic vandalism                                                                                  $25,000                                                                                                                                                                                                                   $50,000 Electronic data processing equipment/data/media – in transit or at a location other than described premises      $25,000                    $50,000 Extended business income                                                                                                                                                                                                      60 Days                                                                                                                                                                                                                   90 Days

    Identity fraud expense                                                                                                                                                                           None                                                    $15,000 (annual aggregate limit)

    Limited building – tenant obligation                                                                                                                                                  None                                                    $5,000

    Lost key consequential loss                                                                                                                                                                 None                                                    $500

    Newly acquired or constructed property – business personal property                                                                                   $250,000                                             $500,000

    Ordinance or law – increased period of restoration                                                                                                                       $25,000                                               $50,000

    Ordinance or law – tenants improvements and betterments                                                                                                       Not included                                    Included

    Outdoor trees, shrubs, plants and lawns                                                                                                                                         $3,000                                                 $5,000

    Unauthorized business card use                                                                                                                                                        None                                                    $5,000

    Utility services direct damage – water, power and communication                                                                                             None                                                    $2,500

     

    total account solution – travelers also offers competitive coverages and rates for:

     


    Workers  compensation

    In today’s ever-changing workers compensation climate, it is critical to have the best insurance carrier working with you to protect your employees and fight rising loss cost trends.

    travelers offers:

    •     Claim and medical professionals to promptly handle, investigate and resolve your claims

    •     Early intervention medical networks and return-to-work strategies to control claim costs, enabling your injured employee to return to work when medically appropriate

    •     Information directly to the injured employee via the Internet. Employees can go online to review their claim payment information and obtain medical self-care tips

    •     Workers compensation may also be written on a stand-alone basis



    Veterinary Offie Insurance

    Pet Care Business Insurance

     

    Pet Care Scenario

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