Computers are a fact of life for most businesses these days. Some have taken that extra step and branched out to the virtual world. For companies that transact business over the Web, there is a new generation of exposures and risks requiring protection.

E-Commerce Advantage helps manage the unknown for companies that derive a portion of their business revenues from internet sales. Businesses like:

Offices/Services:

• Interior designers and decorators
• Photography services
• Real estate agents

Personal Services:

• Home care
• Photographers
• Caterers
• Travel agents

Realty Owners:

• Apartments, condominiums
• Industrial, retail plazas
• Offices

Retailers:

• Books, music, cards and gifts
• Clothing
• Florists, gardening supplies
• Food stores

E-Commerce Advantage insurance coverage for tangibles like premises and contents, as well as intangibles important to Web site owners includes:

• Computer Fraud including an extension to cover clients’ losses
• Contingent Business Interruption if the Internet Service Provider (ISP) suffers a loss
• Internet Advertising Injury
• Trademark Infringement Injury
• Worldwide Transit and Parcel Post

E-Commerce Advantage is not designed for*:

• Advertising agencies
• Computer software designers and consulting
• Firearms and ammunition dealers
• Fur and jewelry
• Internet service providers
• Pharmacies
• Printers, graphic designers
• Publishing, broadcasting
• Telecommunications
• Web site designers
• Business with 100% Web-generated sales

* Contact our Account Managers for individualized quotation if your business is represented in this list.

Property	Coverage
Replacement Cost on Building and Equipment	Included
Blanket By-Laws	Included
Blanket Glass	Included
Debris Removal	Included
25% Peak Season Increase	Included
Accounts Receivable	$50,000
Valuable Papers and Records	$50,000
Fire Department Service Charges	$10,000
Computer Equipment	$50,000
Computer Media	$10,000
Computer – Breakdown	$25,000
Personal Property of Employees	$10,000
Outdoor Signs	$10,000
Professional Fees	$25,000
Exhibition Floater	$10,000
Transit – Worldwide	$10,000
Newly Acquired Buildings	$1,000,000
Contents at Newly Acquired Locations	$250,000
Sales Samples	$10,000
Courier or Parcel Post – Worldwide	$10,000
Consequential Loss Assumption	$10,000
Installation Floater	$10,000
Master Key	$10,000
Contents at Un-named Locations	$50,000
Fine Arts	$50,000

Business Interruption	Coverage
Actual Loss Sustained	Included
Extra Expense (100% 1st Month)	$10,000
Contingent Business Interruption (Supplier)	$25,000
Contingent Business Interruption Neighbouring Premises	$25,000
Contributing/Recipient/ISP (Direct Damage)	$25,000
Internet Service Provider (Breakdown)	$25,000
Off Premises Power	$25,000

Crime	Coverage
Computer Fraud – Insured	$10,000
Computer Fraud – Customers, per Occurrence	$1,000
Computer Fraud – Customers, per Aggregate	$10,000
Employee Dishonesty (Form A)	$10,000
Broad Form Money and Securities	$5,000
Money Order and Counterfeit Paper	$5,000
Depositors’ Forgery	$5,000

Liability

• Personal and Advertising Injury
• Internet Advertising Injury
• Trademark Infringement
• Products and Completed Operations
• Employees as Additional Insured
• Occurrence Basis Property Damage
• Broad Form Property Damage
• Blanket Contractual Liability
• Contingent Employers Liability
• Non-Owned Automobile
• SEF 94, 96, 99
• Non-Owned Watercraft (under 8 metres)
• Incident Medical Malpractice
• Incidental Acts for the Protection of Persons and Property
• Products and Completed Operations
• Limited Worldwide Liability
• Automatic Coverage on Newly Acquired Locations
• Tenants Legal Liability and Voluntary Compensation
• Attached Machinery and Equipment
• Cross Liability
• Medical Payments per Person
• Canadian Currency Clause
• Employee Benefits

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