Many insurers have developed a standard form covering the risks of small business enterprises. Examples of coatings provided by such insurance policies are listed below: loss or damage of commercial equipment and goods Shop (other than stocks of tobacco and cigarettes, which are insured in a special way), caused by fire, lightning, explosion, theft, robbery, riot, malicious (deductible applies), aircraft (Except for sonic booms), collision with ground transport, earthquake, storm, flood, breaking line (deductible applies), plus a seasonal increase in X% of the sum insured in November and December. Interested parties can include in the contract the risk of accident and the insurance amount may be indexed according to inflation index. The loss of trading profit due to the suspension of operations (a term not exceeding 12 months), caused by risks listed above, including additional costs for compensation for loss of commercial profit, plus pay for professional accountants (within a specified amount), involved in the certification of the claim. The standard liability limit is sometimes set as follows: multiply by a factor of 1.5 the sum insured on the shelves and cost recovery of retail space and add payroll accountants employed in preparation of claims. Loss of money: for transportation, located in the premises during business hours or in a safe after hours, is not in the safe, were in the store after hours, who were in the homes of the owner or employees; by crossed checks, plus compensation for death, loss of one or both eyes or one or more limbs, or a week for total disability resulting from the attack on collectors (for persons aged 17 to 70 years). 'Money' in this case include money orders, food stamps and coupons with a declared value.
Fight of float glass in doors and windows of the storefront, including the cost of glass works plus concomitant damage to the goods. Responsibility towards employees and members of the public limited to limit compensation to third parties for claims to the quality of goods. Not required additions, such as the integrity of employees, accidents with individuals, loss of license. In the case where the is insured for a combined policy, he is free to include cover all risks, which, his view, belong to his company and if it uses a batch policy, the composition of its coating, must include the standard risks, which at the request of the insured may be added.