For hardware stores and locksmiths

Hardware stores and locksmiths have their own special needs, and Harleysville’s Deluxe Insurance Program is the perfect choice for their protection. Our package includes the special coverages you need for your business, plus you can add plenty of optional coverages and related life insurance protection. The result is a unique business owners package that is very good for your business.

If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.

What can happen?

In your business, just about anything.

• A customer trips over a rake in an aisle, suffering a concussion or a broken hip.
• A storm blows in and wires go down. You have no electric. Your sales drop.
• You load weed killer in a customer’s car, a can leaks, the upholstery is ruined.
• While installing locks at a local business, tools are stolen from your mobile unit.

What you can do about it.

Let Harleysville help you avoid trouble. We know your business and the kinds of risks you face every day. We took that knowledge and rolled it into a comprehensive package that fits the needs of your trade exactly. Here are some of the many special ways we can protect your business.

Lawsuits Today, everybody knows a lawyer and how to sue. Slips and falls. Charges of libel or slander. A clerk’s bad advice about the use of concrete mix, solvents or any other product. The list of acts that can make you a defendant is endless but the answer is simple. Harleysville gives you comprehensive liability coverage to protect against claims and lawsuits arising from your premises, products and operations.

Funny money When you handle money, there’s a potential for loss. Theft and burglary. Forged deposit slips and money orders. Missing credit card slips. Counterfeit currency. We protect you against funny money with genuine coverage.

Stock spoilage—Suppose your air conditioning or heating system fails and your in-shop temperature dips to minus 10 degrees—or jumps to 100. We cover loss to your stock due to extreme variations in temperature caused by mechanical breakdown or power outages, up to $10,000.

Sewer backup—You may be located in a section of town with old public sewers. If storm runoff or soggy leaves cause a sewer or drain to back up and your store or goods get damaged, we’ll pay up to $25,000 for restoration and cleanup costs.

Off-premises utility failure If property supplying your electric, water, gas or communications becomes damaged, business gets disrupted. Yet most policies provide no coverage for off-premises utility failure. (What about yours?) With Harleysville, you have $25,000 coverage for the loss of income you sustain after the first 12 hours following the loss.

Computer damage Short circuits. Sabotage. Magnetic erasure. Your computers are subject to different types of loss than other property. With Harleysville, you get $10,000 coverage to insure your computers, printers, electronic cash registers and other information processing equipment against nearly anything that could come your way. You also have special coverage for costs you incur to reproduce or replace destroyed magnetic or paper media.

Stolen property in transit If your locksmith business extends beyond the showroom, Harleysville’s policy has you covered with up to $15,000 built-in coverage for theft and damage to your tools, stock and equipment while in transit and off premises.

Loss of income Most policies insure your business for loss of income and extra expenses for up to 12 months following covered damage to your premises. So does ours. But unlike most policies, within that year we’ll continue coverage for up to 30 days after your repairs have been made if your income has not returned to normal levels.

We’ve only highlighted some of the main features of our insurance program. There are lots more, like:

• Money and securities If your cash, credit card slips and other securities are stolen or destroyed, you’re covered up to $25,000.
• Accounts receivable We provide an extra $25,000 coverage to help you "recoup" money owed to you that destroyed records prevent you from collecting.
• Glass breakage Your interior and exterior glass on all levels is specially insured up to $1,000 against breakage—with no deductible.
• Outdoor signs Whether or not your signs are attached to your buildings, they’re covered up to $5,000—with no deductible.

Optional coverages for your business

Harleysville offers an array of options to complement your fundamental program. And, through our life insurance affiliate, in most states you can further supplement your program with group life insurance, business life for owners and key employees, and simplified pension plans tailored to your business.

Some of the options include:

• Employee dishonesty With your choice of limits per occurrence.
• Systems breakdown For heating, air conditioning and electrical systems used to maintain your business.
• CompuPak^® Comprehensive coverage to insure your information processing systems against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many other types of loss. Covers both your hardware and software.
• Group coverages Group term life and short-term or long-term disability coverage is available to protect—and help you retain—your employees. The cost is surprisingly low.
• Business continuation This coverage integrates a funded buy/sell agreement into your plan, protecting the interest of the owners and the future of your operations.
• Building ordinance or law coverage To cover increased costs in construction related to local or federal regulations.
• Employment practices liability This coverage protects you against loss resulting from a wide range of employee lawsuits, including discrimination, sexual harassment and wrongful termination.
• Employee benefits liability coverage To protect you against errors and omissions in administering your employee plans.
• Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal way to meet your legal requirements (ERISA) to protect plan participants against theft of funds.
• Workers compensation Yes, this absolutely essential coverage is available for your business. Ask your agent for details.

Life insurance to protect you and your business

We can also handle all of your business life insurance needs. Some examples include:

• Key employee coverage Designed to protect your business upon the loss of a key employee. Funds can be used to find, hire and train a replacement, as well as compensate for lost business during the transaction.
• Simplified pension plans Owners of small businesses can turn to either a SEP-IRA or a Simple IRA to get the benefits of a qualified pension plan without the higher administrative costs and paperwork hassles.
• Debt protection This coverage can secure the funds needed to pay off a company’s debt upon the death of an owner, helping the business continue as a viable entity during this difficult time.
• Non-qualified executive plans A business may want to reward key people in the organization with such executive plans as deferred compensation, executive bonus and split dollar coverage. Each plan rewards the executive while tying them more closely to the continued success of the business.

Your other insurance needs

Harleysville offers a full line of products to cover all of your other business and personal protection needs:

• Automobile For your business and personal use
• Homeowners Complete coverage for your personal property and liability needs
• Life Choose from a wide variety of life insurance plans to protect you and your family
• Excess liability Broader coverage for losses above the limit of your underlying policies
• Shipmate® Coverage for your boat and liability protection for you
• And much, much more

Want to know more about our special program for hardware stores and locksmiths? Contact an agent in your area, or get in touch with our office nearest you.

Note: These coverages are not available in all states. In the event there are discrepancies between this information and your policy, the terms of your policy will govern. Consult your independent insurance agent for more information.

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