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Businessowners Advantage

Coverage for offices and retail businesses.

American National Property and Casualty Company's (ANPAC®) Businessowners Advantage policy is designed to provide affordable quality protection for retail businesses and offices. It contains a host of special optional coverages to address your specific needs.

Property Protection

Businessowners Advantage includes coverage for your buildings, permanently installed equipment, outdoor fixtures, business personal property (including computer systems), electronic media and records, and your interest in tenant improvements and betterments.

Other Coverages include:

  • Accounts Receivable
  • Money and Securities
  • Forgery or Alterations
  • Debris Removal
  • Outdoor Property, including signs
  • Newly Acquired Property
  • Property in Transit or Temporarily Off Premises
  • Valuable Papers and Records (cost of research), including electronic or magnetic media
  • Property of Others while in your care, custody or control
  • Liability Protection

Liability coverage is valuable protection in the event you are sued due to a negligent act in the course of your business. This important protection is an automatic feature of Businessowners Advantage, and is available in various amounts to serve your needs.

The following items are included:

  • Premises and Operations
  • Hired & Non-owned Auto
  • Products/Completed Operations
  • Personal Injury
  • Advertising Injury
  • Fire Legal Liability
  • Medical Expense
  • Loss of Income

Your business income is paid, up to twelve months, when your business is interrupted by an insured peril. Businessowners Advantage also pays for certain extra expenses needed to resume normal business operations.

Special Features

In addition to the coverages outlined here, you will also benefit from special features found in Businessowners Advantage:

Replacement Cost Coverage. Pays the cost of replacing your buildings or business personal property with materials of like kind and quality at current prices. Coverage on an actual cash value basis is optional.

Equipment Breakdown Coverage. Covers physical and financial damage from an insured equipment failure. Coverage for many types of equipment including: electrical distribution systems, HVAC, telephone and electronic systems and equipment.

Automatic Increase in Insurance. Prevents inflation from devaluing your insurance protection by automatically increasing the amount of coverage on your buildings each year. A choice of percentages is available on an optional basis.

Peak Season Coverage. Increases your limit for business personal property automatically - a valuable feature if your inventory fluctuates seasonally.

Deductible Options. Allows you to choose higher deductibles for additional savings.

Premium Discounts. Lowers your payments with credit for qualified security systems.

Payment Plans. Spreads out your premium payments to free up capital for current business needs.

Optional Coverages

Depending on your exact business needs, you may want to include some of the following coverages in your policy:

  • Utility Services - Direct Damage
  • Employee Dishonesty
  • Employee Benefits Liability
  • Outdoor Signs in higher
  • Accounts Receivable in higher limits
  • Valuable Papers & Records in higher limits
  • Earthquake
  • Spoilage Coverage


American National Insurance Company

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company, Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (Texas), and ANPAC Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois or Principal Life Insurance Company, Des Moines, IA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.


Osby Insurance operates exclusively in the State of Iowa


Copyright © 2014 Osby Insurance and Some Assembly Required.
All rights reserved.

Greg Osby

Greg Osby, CLU, ChFC
2400 86th St. Suite 29
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax

Serving the Greater Des Moines area in Iowa including:

Des Moines, Urbandale, Clive, Windsor Heights, West Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston, Iowa

With ANPAC Five Star Claim ServiceSM you can be sure that your premium dollars will buy the protection you need and the prompt, courteous service that you deserve.

Choose American National for your auto, home, and life insurance needs, and receive up to a 15% TLC Discount on qualifying auto and home premiums.