For those who lean toward the ‘some assembly required’ option we offer a creative solution.

One size does not fit all and a package policy is not the answer for everyone. For businesses that are a little different or ones that do not fit one of our feature Advantage we offer Custom Advantage.

Custom Advantage gives business owners the flexibility to create a unique insurance policy tailored to meet their specific needs. With a full range of property and casualty coverage available, the possibilities are almost endless.

The Custom Advantage is often used for:

• Businesses that do not fall into one of the other Advantage products
• Custom coverages only
• Monoline Property, Liability or Crime policies
• Umbrella
• Excess Liability
• Named Perils policies
• Special program policies

The Business Advantage Multi-Peril Extension endorsement may be added to round out coverage, with options include:

Inflation Protection	Included
Blanket Bylaws	Included
Newly Acquired Buildings	$250,000
Blanket Glass	$5,000
Fire Department Service Charges	$5,000
Personal Property of Employees	$5,000
Content at Newly Acquired Location	$100,000
Peak Season Increase	25%
Money Coverage	$1,000
Consequential Loss Including Off Premises
Power Interruption	$5,000
Professional Fees	$5,000
Outdoor Signs	$1,000
Accounts Receivable	$10,000
Valuable Papers	$5,000
Non-Owned Locations	$25,000
Transportation	$5,000
Replacement Cost Endorsement	Included
Damage to Buildings by Theft	$7,500
Sales Samples	$5,000
Exhibition	$5,000
Parcel Post	$500

Request a no-obligation business insurance quote online or from an HS Financial Account Manager at 1-800-411-7979 to find out more.