Business Owner Policies have different coverages available>

1. Building:
If you own the building your business is in this section takes care of what the value of the building's structure is (excluding the land value). This section covers three main risks:

- Fire : This is the basic coverage that will cover the building to the insured sum minus deductible.
- Earthquake: Usually this section covers 80% of the amount mentioned above and applies a deductible for Earthquakes.
- Hydro Meteorological Phenomena: This section refers to any damage cause by a natural phenomena related to water such as hurricane, flood, storms, etc. The amount that usually covers is 90% of the amount used in the basic coverage and applies a deductible up to 15% of the damage. Pools, Palapas (Huts), Air conditioning systems and any other part of the building that are exposed to this kind of phenomena should be mentioned in order to be included in the policy.

2. Contents:
This section covers all the contents of the property as long as they don’t exceed the amount hired in the contract. You need to include the total of your contents such as inventory, furniture, tools, computers etc.. The risks covered are fire , Earthquake , Hydro Meteorological Phenomena.

3. Theft.
This section will cover theft of the contents with a 15% deductible (most common) and also requires to itemize the objects above 1,300 usd, and any kind of jewellery to be insured in this section. The amount to be cover in this section does not necessarily is the same on the section 2 because not all the contents of a home are easily stolen.

4. Liability.
This part of the contract offers to cover you for responsibilities that you could be liable for regarding to your business activities . The company will only respond up to the amount hired in this section. This amount depends on the activities you do . Some industries have an specific compulsory amount given by the county.

5. Glass.
This section covers the windows and glass roof that a home could have. The amount to be insured is not necessarily the total amount of windows you have because the probabilities of having all broken at the same time are minimal. The main objective of this coverage is to have an amount to be use in case of an accidental breakage or in case of a natural disaster. (Deductible 40 USD aprox). Make sure to itemize any curved or artistic window you have, to have it covered.

6.Cash.
This section covers your cash that could be stolen or lost in any of the risks mentioned above. NOTE. Insurance companies do not provide appraisal services to set the value of the building, so it becomes a responsibility of the owner to know what is the value of the property to be insured.