Coverages

Get a Quote

Bookstore owners need an insurance policy that protects their investment, is easy to understand and is priced right. The LIBRIS policy is designed to address the loss exposures unique to bookstores at low rates.

LIBRIS INSURANCE COVERAGE FOR BOOKSELLERS:

  • Business interruption/extra expense
  • Business liability protection
  • Computer equipment/software
  • Coverage for cafés/restaurants
  • Liquor Liability
  • Employee benefits liability
  • Employee dishonesty
  • Fine arts
  • Replacement cost for buildings and business personal property
  • Glass – interior/exterior
  • Hired and non-owned auto liability
  • Tenants’ legal liability
  • Theft
  • Used and rare books
  • Valuable papers/accounts receivable
  • Workers’ compensation

INCLUDED ON EVERY POLICY

  • $2 million per occurrence/$4 million aggregate business liability limit
  • $2 million personal and advertising injury
  • $100,000 tenant legal liability
  • $100,000 personal property at newly acquired premises
  • $25,000 for outdoor signage
  • $5,000 in medical payments per person
  • Business interruption — All loss sustained up to 12 months

BUSY SEASON & EXPANSION

No-Hassle Adjustments for Peak Season

LIBRIS automatically increases your inventory coverage by 25% during your peak selling season. Whether your increase is due to tourism, back to school sales or seasonal holidays, we take care of it for you.

Opening a New Store?

LIBRIS offers the ideal insurance program for new storeowners. We offer a flexible premium payment plan with no penalties for start-up operations.

ADDITIONAL PROPERTY COVERAGES

Accounts receivable* $50,000
Money and securities* $25,000 in, $10,000 out
Valuable Papers* $50,000 in, $10,000 out
Personal effects $15,000
Optional Deductibles
*Limits can be increased
$500, $1,000, $2,500, $5,000

OPTIONAL COVERAGES

Employee dishonesty Up to $100,000
Building ordinance Up to $100,000
Food spoilage Varies per risk
Employee benefits Varies per risk
Equipment breakdown Up to limit quoted
Hired/non-owned automobile Up to $1 million
Liability Coverages Umbrella liability

The above is a summary of coverage, not a contract for insurance. For additional information, terms, conditions, restrictions or limitations, contact a LIBRIS insurance representative.