The following is a brief description of options available from Security Mutual Insurance Company. In the event of a covered loss, the policy that is in force at the time of the loss applies.

Partial List of Eligible Classes
Apartments Ice Cream Stores, no cooking on premises
Apartments/Mercantile, Lessors Risk Laundromats, attended
Appliance Repair Motels
Barber Shops/Beauty Shops Photographic Studios
Churches Self Storage Services
Clubs Shoe Stores
Craft Stores Stationary Stores
Dental Labs Tailor Shops
Furniture Stores Tuxedo Rentals
Gift Shops Watch, Clock, and Jewelry Repairs

Security Mutual Insurance Company is represented by independent insurance agents throughout New York State.

To obtain a quote or apply for the best program for your specific situation, please contact a licensed agent. To find the agent nearest you, click here.

Deductibles of up to $10,000
Alarm credits to save up to 8%
Standard Policy Deluxe Policy
Accounts Receivable Optional $1,000
Building Inflation Protection Optional Included, 1% per Quarter
Business General Liability Optional Included
Employee Dishonesty Optional $1,000
Exterior Signs Optional $1,000
Money and Securities Optional $1,000
Personal Injury Optional Included
Seasonal Variation Optional 25% of Business Property limit or, payable for 90 day period
Sprinkler Leakage Optional 50% of Business Property limit
Valuable Papers and Records Optional $1,000
While away from Insured Premises Optional 15% of Business Property limit or, up to $5,000
Additional Insured Optional Optional
Additional Insured, Contractual Obligation Optional Optional
Additional Insured, Vendors
Broad Form
Optional Optional
Alcoholic Beverages Tax Exclusion Optional Optional
Assault and Battery Exclusion Optional Optional

All submissions are subject to completion of our underwriting process including, but not limited to, review of: a properly signed and completed application, inspection and other underwriting resource material. If there is a conflict between the coverage statements within a proposal and the actual insurance policy, the policy provisions will apply.