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Home My WebLink AboutCORRESPONDENCE - RFP - 8653 DEFENSE COUNSELJanuary 28, 2019 Richard W. Martin, Attorney at Law Attn: Richard Martin 155 E. Boardwalk Drive #400 Fort Collins, CO 80525 RE: Contract Renewal, 8653 Defense Counsel - Richard W. Martin, Attorney at Law Dear Mr. Martin: The City of Fort Collins wishes to extend the agreement term for the above captioned proposal per the existing terms and conditions and the following: 1) The term will be extended for one (1) additional year, April 1, 2019 through March 31, 2020. If the renewal is acceptable to your firm, please sign this letter in the space provided and include a current copy of insurance certificate naming the City as an additional insured for General and Automotive Liability within the next fifteen (15) days. If this extension is not agreeable with your firm, we ask that you send us a written notice stating that you do not wish to renew the contract and state the reason for non-renewal. Please contact Ed Bonnette, C.P.M., CPPB, Senior Buyer at (970) 416-2247 if you have any questions regarding this matter. Sincerely, Gerry S. Paul Director of Purchasing __________________________________________ ________________ Signature Date (Please indicate your desire to renew 8653 by signing this letter and returning it to Purchasing Division within the next fifteen days.) GSP:kr Financial Services Purchasing Division 215 N. Mason St. 2nd Floor PO Box 580 Fort Collins, CO 80522 970.221.6775 970.221.6707- fax fcgov.com/purchasing DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 1/29/2019 www.yourwebsitehere.com Your trusted small business resource Business Insurance RICHARD MARTIN JEFF COMBS 4020 S COLLEGE #4 FORT COLLINS CO 80525 (970)-223-8171 JEFFCOMBS@ALLSTATE.COM Agent's License #: 151174 Protection focused on legal services Policy quote proposal Prepared for: DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 March 30, 2018 RICHARD MARTIN 155 BOARDWALK DR STE 400 FORT COLLINS, CO 80525-3040 Mike Barton President, Allstate Business Insurance Allstate Insurance Company Dear RICHARD MARTIN, Thank you for considering Allstate Business Insurance to protect your business. As an industry leader, we are committed to innovation. This allows us to bring products, price points and solutions to meet your unique needs. Our groundbreaking Business Owners Policy – Allstate Business Shield – is an example of our commitment to better serve small business owners like you. Allstate Business Shield provides customized coverages specific to your business risks. This is a significant departure from the insurance industry at large, which attempts to serve the market with a “one size fits all” approach. At Allstate, we support the operation of 10,000 small businesses across America. You know them as your local Allstate Agency. We’ve learned a lot working with Allstate Agencies, and we know running a small business is hard. We also authentically care about the challenges of the small business owner. As such, we want to help your business succeed beyond simply providing insurance protection. You face a variety of critical business issues every day, each presenting unique risks to your business. As your small business partner, we can provide you with a vast array of tools, tips and templates designed to help you run your business. Simply put, we’re combining lessons learned and best practices developed by Fortune 1000 companies and making them available to you. Through your local Commercial Advisor, you have access to subject matter expertise on topics such as Energy Conservation, HR Best Practices and Loss Control tips. Take advantage of these resources that we offer with you in mind. You can learn more by visiting www.allstate.com/business. We have also included in this proposal illustrative Critical Illness and Term Life quotes to protect your employees. Thank you again for your interest in Allstate Business Insurance. Sincerely, DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 Especially Prepared For: RICHARD MARTIN 155 BOARDWALK DR STE 400 FORT COLLINS CO 80525-3040 Summary of Coverages, Limits, and Premium Coverage Limits Premium Business Liability Protection Single Limit/Aggregate Limit $1,000,000 $2,000,000 $56.00 Business Personal Property4 $10,000 $44.00 Medical Payments A $10,000 Included Other Optional Coverages Professional Office Shield Enhancement Included $175.00 Utility Service Off Premises P $10,000 Direct Damage Included Computer Fraud & Transfer $10,000 Included Water Back-Up and Sump Overflow B $5,000 Included Money and Securities P $10,000 Inside the premises $5,000 Outside the premises Included Employee Dishonesty (Employee Theft) A $25,000 Included Lock & Key Replacement A $1,000 Included Money Orders & Counterfeit Currency $5,000 Included Salespersons Samples A $1,000 Included Theft/Arson Reward A $10,000 Included Total Estimated Annual Premium $350.00 DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 Discounts Applied ☐ Billing Tier Discount ☐ Multi-policy Discount Insurance Quote Information: This quote is based on the coverage levels and deductibles you selected. Coverages are subject to the policy terms, conditions, and exclusions detailed in the insurance contract issued at purchase. Quotations on insurance are provided as estimates and are not an insurance contract. Your actual premium may be higher or lower based on the coverages, limits, and deductibles you select. This is not a binder and no coverage is afforded with this quote. DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 Especially Prepared For: RICHARD MARTIN 155 BOARDWALK DR STE 400 FORT COLLINS CO 80525-3040 Protection for Your Business Finances Accounts Receivable $50,000 Included Business Income Actual Loss Sustained within 12 months Included Business Income from Dependent Properties $10,000 Included Protection for Your Premises Inflation Protection (PIA) 6% Annually Building Limit Adjusted at Renewal Fire Department Service Charge $25,000 Included Fire Extinguisher System Recharge $25,000 Included Newly Acquired or Constructed Property 500000 Building 250000 Personal Property Included Outdoor Property Extension $10,000 Included Outdoor Signs – Attached to Building $5,000 Included Damage to Premises Rented to you (Fire Legal Liability) P $50,000 Included Increased Cost of Construction A $25,000 Included Property Covered Within $1,000 A Included Protection Against Crime Forgery or Alteration A $27,500 Included Computer Virus/Electronic Data $10,000 Included Protection for Your Business Personal Property Personal Effects $ 10,000 Included Valuable Papers $50,000 Included Commercial Fine Arts A $25,000 Included Property Off Premises Extension $ 15,000 Included Tenant’s Glass Varies Included Property In Transit $ 15,000 Included Seasonal Adjustment of Your Business Personal Property Up to 25% increase Included Equipment Breakdown A Included Included Some optional coverages included in this quote may not be listed above. Please consult with your Allstate agent for more information. DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 Especially Prepared For: RICHARD MARTIN 155 BOARDWALK DR STE 400 FORT COLLINS CO 80525-3040 Schedule of Locations Loc # Location Address Bldg Coverage Limit BPP Limit Deductible Location Premium Amount 001 155 BOARDWALK DR STE 400 $10,000 $500 $100.00 DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 www.yourwebsitehere.com You are sued because somebody visiting your office tripped on the carpet and injured themselves. General Liability provides coverage for injury to others at your premises and helps protect you from lawsuits brought against you. This provides coverage for lawsuits and legal costs for up to $2M per occurrence. ($4M aggregate) Someone breaks in overnight and steals and/or damages desks, TVs and computers Business Personal Property coverage will replace the contents that were stolen or damaged and repair the damage from the incident. Your insurance covers your loss at what it would cost you to replace the items. Coverage is available up to $1M or more based on your needs. A pipe bursts and leaks all over a filing cabinet containing your critical documents, many are damaged and others completely destroyed. Valuable Papers & Records covers you for damage or destruction of important documents used in your business. This coverage is included in your policy for up to $10K in coverage and is increased up to $50K with Professional Office Shield. You receive checks, credit card payments and sometimes cash for work that you do. In reviewing the receipts for the week, you notice that the deposits were light. Employee Dishonesty coverage responds when an employee steals money or property from your business. This is normally an optional coverage, but this coverage is included with the Professional Office Shield. With the Professional Office Shield you have up to $25K in coverage. Depending on your needs and the amount of contents or money on hand, you may want to purchase higher limits. Your office is damaged due to a fire and you cannot operate your business until repairs are made. Business Income & Extra Expense provides for loss of income and fixed expenses while the business is closed due to a covered loss. Extra Expense can help set the insured up at a temporary location during repairs. This provides your business with up to 12 months of coverage. You handle a significant amount of your clients’ confidential personal and banking data. That information is lost or stolen. Data Compromise* provides case www.yourwebsitehere.com Key Coverages Allstate* with Shield ISO Carrier A Carrier B Highlights Legal Malpractice x Allstate, Carrier A - Professional liability can be purchased through expanded markets. x ISO, Carrier B - Do not offer this coverage Business Income x Allstate, ISO - Include coverage at actual loss sustained for up to 12 months and pays claim without dollar limit. x Carrier A - Limits coverage to $500,000 for up to 12 mos. x Carrier B - Similar to Allstate Computer Breakdown x Allstate - Includes coverage up to policy limits. x Carrier A, Carrier B - Limits coverage to $50,000. x ISO - Limits coverage to $10,000. Data Compromise x Allstate – Available with limits up to $1M. x ISO – Coverage not offered on base ISO policy. x Carrier A – Coverage with limits up to $500,000. x Carrier B – Do not offer this type of coverage. Employee Dishonesty x Allstate - Coverage at $25,000. x Carrier A - Coverage at $10,000. ISO - optional coverage with the base ISO policy. Carrier B -Includes coverage at $25,000. Money and Securities x Allstate, Carrier A, Carrier B - Includes coverage at $10,000 Inside/$5,000 Outside x ISO - This is an optional coverage with the base ISO policy Valuable Papers and Records x Allstate - Coverage at $50,000. Higher limits are available. x Carrier A, Carrier B - Coverage at $25,000. Higher limits are available. x ISO - Base ISO policies include only $10,000. Computer Virus Protection x Allstate, ISO, Carrier A - Includes coverage at $10,000. x Carrier B - Includes coverage at $50,000. Accounts Receivable x Allstate - Coverage at $50,000. Higher limits are available. Business Insurance Value Added Solutions to Address Enterprise Risk Buyers today need trusted advisors to help solve business risk issues across the enterprise. Savvy employers also want to work with advisors who “know their business.” As small business owners themselves, Allstate agency owners understand that the risks you face as a small business owner are greater than simply “best in class” insurance products. You need enterprise risk solutions; including resources on Human Resources best practices, Health Care Reform, business continuation planning and tools to help you run your business more efficiently. Allstate agency owners can be your valuable resource partner for enterprise risk management solutions. Loss Control: The best way to protect your business is to avoid preventable losses. Simple loss control tips can allow you to do just that. Through our partnership with Hartford Steam Boiler, ABI can offer you step-by-step loss control guidance. Effective loss prevention will also keep your premium competitive. We are also able to provide calculators to help you value the cost/benefit associated with building improvements and energy conservation. Equipment Breakdown Coverage Equipment Exposures by Type of Business Health Care Reform: ABI is proud to partner with one of the worlds most reputable advisors – eHealth. By teaming with eHealth we offer clients best-in-class health care reform consulting. The Health Care Reform Employer Guide provides you the information you need to navigate the complex world of mandatory insurance, exchanges, minimum essential benefits and employer contribution thresholds. Human Resources Best Practices We understand most small employers are underserved in the area of HR support. ABI can help with market leading Employer Guides on: performance management, merit matrix modeling, and employee handbooks (just to name a few)! We are excited about the opportunity to help small business use HR best practices to drive productivity and enhance overall business performance. DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 We’ve got big solutions for your small business It all started with one simple question: how can we help small businesses thrive? Out of that simple but important concept came the Small Business Connection: a website destination where small businesses can gain the expertise they need to solve the critical business issues they face everyday. small business connection ΢ What if some of America’s most iconic brands joined together to help? The brands you know and trust have come together to provide a FREE* resource portal to help you and other small businesses. Our goal is to help invigorate the growth and success of small businesses across the U.S. by linking small business owners to a wealth of valuable information and thought leadership, including insurance protection, legal services, banking and finance, technology, online marketing and office solutions. Visit SmallBusinessConnection.com for these best-in-class resources, which have been curated for you – for FREE*. Why? Simply put...because we care. Small Business Connection is about doing what’s right and paving the way for America’s future, one small business at a time. Because when small businesses are successful, we all do better. In this resource portal, you will find an array of valuable tools (including articles, videos, checklists, and apps) organized to align with the various life stages of a small business owner and the unique aspects of running a business during these stages. Small Business Connection is built for entrepreneurs, businesses just starting out, and established business owners alike. It’s more than a website – it’s a destination for every stage of your business. start grow manage retire *No purchase necessary © Small Business Connection SM . All rights reserved. 09.2016 DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 www.yourwebsitehere.com Allstate protects employees, too. As a leading provider of voluntary insurance products, Allstate Benefits offers companies a broad product portfolio with competitive pricing, easy enrollment and hassle-free claims processing. Broad product portfolio Our group and individual products can help provide protection for individuals and families from financial burdens due to unexpected death, illness or injury. • Group Products: Accident, Cancer, Critical Illness, Life, Disability, Hospital Indemnity, Supplemental Health, Term to 100 (Life), Dental and Vision • Individual Products: Accident, Cancer, Critical Illness, Life, Disability, Term Life, Supplemental Health and Heart/Stroke Top-ranked products LIMRA, a leading market research organization, ranks Allstate Benefits as an industry leader for the following products1: #1 Critical Illness Accident #2 Cancer Universal Life Why should small business owners offer voluntary benefits? REASON #1: Voluntary benefits do not detract from a company’s bottom line or profitability. Economic realities have forced many employers to reduce benefits, raise copays and deductibles and increase an employee’s share of the premium. By offering these benefits, employers give employees access to group rates – which are typically lower than they would pay for the coverage if purchased on their own – and convenient payroll deduction to pay their premiums. REASON #2: Voluntary benefits provide valuable financial protection to employees. Employees are willing to pay for voluntary benefits because they see the value in supplementing their insurance coverage. Voluntary benefits pay cash benefits that can be used to offset the out-of-pocket financial impact of an illness or injury and can be used to help pay for high deductibles, medical treatments, or even daily living expenses. REASON #3: A strong total benefits package helps attract and retain quality employees. Many employers are operating on a lean and efficient business model, making it more important than ever to hire and retain the right people. More than half of surveyed employees pointed to better benefits as the best way to boost employee retention2. REASON #4: Employee job satisfaction is strongly related to benefits offered at work. Studies show that eight out of 10 employees are satisfied with their overall benefits offerings when voluntary benefits are included3. By educating employees on benefit programs, employers can increase employee understanding and acceptance while possibly decreasing costly employee turnover. 1 – U.S. Worksite Sales, LIMRA www.yourwebsitehere.com Individual Critical Illness Insurance CILP1 Product — Coverage Highlights Individual Critical Illness insurance can help bridge gaps in coverage. It pays cash benefits when diagnosed with a covered critical illness. The benefit can be used for life-saving medical treatments, to help pay high deductibles – or even to help cover daily living expenses such as house payments, utilities, groceries, etc. Covered conditions include: • Heart Attack • Major Organ Transplant • Stroke • End Stage Renal Failure • Heart Transplant • Paralysis • Bypass Surgery • Multiple Sclerosis • Angioplasty, Atherectomy, Stent Replacement • Alzheimer’s Disease Riders available for additional coverage: • Wellness – Pays a benefit annually when you receive one of the covered health screenings or tests, such as skin cancer biopsy, colonoscopy, EKG, mammography, Pap smear and more. • Critical Illness Cancer – Pays a benefit when you are diagnosed for the first time with invasive cancer, including leukemia and Hodgkin’s disease. Sample weekly premiums for a $10,000 and $20,000 policy: The rates below are unisex and include $25 of Wellness (one unit) and the Critical Illness Cancer rider (both shown above). Non-tobacco EMPLOYEE EMPLOYEE + CHILD FAMILY AGE $10,000 $20,000 $10,000 $20,000 $10,000 $20,000 35 $1.65 $3.13 $1.87 $3.45 $2.92 $5.57 45 $2.94 $5.71 $3.56 $6.84 $6.05 $11.81 55 $5.07 $9.96 $6.09 $11.89 $10.73 $21.19 Tobacco EMPLOYEE EMPLOYEE + CHILD FAMILY AGE $10,000 $20,000 $10,000 $20,000 $10,000 $20,000 35 $3.46 $6.75 $3.97 $7.66 $6.43 $12.58 45 $7.35 $14.54 $8.27 $16.25 $13.72 $27.16 55 $12.64 $25.10 $14.27 $28.27 $24.43 $48.58 For details of the insurance, including exclusions, restrictions and other provisions please contact your Allstate Beneﬁts representative. Allstate Beneﬁts is the marketing name used by American Heritage life Insurance Company (Home Oﬃce, Jacksonville, FL), a subsidiary of The Allstate Corporation. Supplemental Health products provided by Limited Beneﬁt Insurance. The products are underwritten by American Heritage Life Insurance Company. ©2014 Allstate Insurance Company. DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 24-Hour Accident Insurance AP2 Product — Coverage Highlights Individual Accident insurance can help protect insureds from life’s mishaps whether on- or off- the-job. It pays cash benefits when faced with an unexpected accident, which can mean unexpected expenses that add up quickly. The benefit can be used to help cover treatment costs or other out-of-pocket expenses. Benefit coverage includes: • Accidental Death and Dismemberment • Dislocation or Fracture • Medical Expenses • Ambulance • Hospital Confinement • Disability Benefit Enhancement Rider provides additional coverage: • Initial Hospitalization • Ruptured Disc Surgery • Lacerations • Eye Surgery • Burns • Blood and Plasma • Skin Graft • Appliance • Brain Injury Diagnosis • Prosthesis • Paralysis • Physical Therapy • Coma with Respiratory Assistance • Non-Local Transportation • Open Abdominal or Thoracic Surgery • Family Member Lodging • Tendon, Ligament Rotator Cuff or Knee Cartilage • Accident Follow-Up Treatment • Hospital Intensive Care (ICU) Sample weekly premiums: The rates below are unisex, not age-banded and include the Benefit Enhancement Rider (shown above). LOW HIGH EMPLOYEE $10.52 $16.07 FAMILY $19.30 $29.97 For details of the insurance, including exclusions, restrictions and other provisions please contact your Allstate Beneﬁts representative. Allstate Beneﬁts is the marketing name used by American Heritage life Insurance Company (Home Oﬃce, Jacksonville, FL), a subsidiary of The Allstate Corporation. Supplemental Health products provided by Limited Beneﬁt Insurance. The products are underwritten by American Heritage Life Insurance Company. ©2014 Allstate Insurance Company. www.yourwebsitehere.com DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 03-06-2018 03-30-18 155 BOARDWALK DR STE 400 JEFF COMBS RICHARD MARTIN 3072122-01 FORT COLLINS, CO 80525-3040 X $ 2.00 AQ CW 50 01 15 DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE Coverage for acts of terrorism is included in your policy. You are hereby notified that under the Terrorism Risk Insurance Act, as amended in 2015, the definition of act of terrorism has changed. As defined in Section 102(1) of the Act: The term "act of terrorism" means any act or acts that are certified by the Secretary of the Treasury - in consultation with the Secretary of Homeland Security, and the Attorney General of the United States - to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. Under your coverage, any losses resulting from certified acts of terrorism may be partially reimbursed by the United States Government under a formula established by the Terrorism Risk Insurance Act, as amended. However, your policy may contain other exclusions which might affect your coverage, such as an exclusion for nuclear events. Under the formula, the United States Government generally reimburses 85% through 2015; 84% beginning on January 1, 2016; 83% beginning on January 1, 2017; 82% beginning on January 1, 2018; 81% beginning on January 1, 2019 and 80% beginning on January 1, 2020, of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage. The Terrorism Risk Insurance Act, as amended, contains a $100 billion cap that limits U.S. Government reimbursement as well as insurers’ liability for losses resulting from certified acts of terrorism when the amount of such losses exceeds $100 billion in any one calendar year. If the aggregate insured losses for all insurers exceed $100 billion, your coverage may be reduced. DISCLOSURE OF PREMIUM (check one) The insurance for which you are applying includes coverage for losses caused by "acts of terrorism" to which the federal Program applies (subject to policy terms, conditions, limitations and exclusions). The portion of the annual premium that would be attributable to coverage for losses caused by "acts of terrorism" to which the federal Program applies is , and does not include any charges for the portion of losses covered by the United States government under the Act. [OR] The insurance for which you are applying does not include coverage for losses caused by "acts of terrorism" to which the federal Program applies. Accordingly, the portion of the annual premium that would be attributable to coverage for losses caused by "acts of terrorism" to which the federal Program applies is $0.00. If you would like the insurance for which you are applying to include coverage for losses caused by "acts of terrorism" to which the federal Program applies (subject to policy terms, conditions, limitations and exclusions), you may purchase that coverage for an additional annual premium charge of . Please ask your agent for more information. [OR] The insurance for which you are applying does not include coverage for losses caused by "acts of terrorism" to which the federal Program applies, other than for losses to covered property caused by fire resulting from such "acts of terrorism." The portion of the annual premium that would be attributable to coverage for losses to covered property caused by fire resulting from "acts of terrorism" to which the federal Program applies is . If you would like the insurance for which you are applying to include additional coverage for losses caused by "acts of terrorism" to which the federal Program applies, you may purchase that additional coverage for an additional annual premium charge of . Coverage is subject to policy terms, conditions, limitations and exclusions. Please ask your agent for more information. Date: Applicant/Insured Name: Mailing Address: City/State/Zip: Application/Control Number: IL N 020 09 03 IL N 020 09 03 ISO Properties, Inc., 2003 Page 1 of 1 COLORADO FRAUD STATEMENT It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies. DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 Effective Date: Agent Name: DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 2 – CareerBuilder.com, “CareerBuilder Survey Reveals Most Wanted Ofﬁce Perks and What Motivates Workers to Stay With Companies” (January. 24, 2013, accessed March 5, 2013) 3 –Corporatewellnessmagazine.com, “A Fresh Look at Voluntary Beneﬁts” (January 29, 2014, accessed July 28, 2014) DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 x Carrier A, Carrier B - Coverage at $25,000. Higher limits are available. x ISO - Base ISO policies include only $10,000. Equipment Breakdown x Allstate - Includes coverage up to policy limits x ISO - Optional coverage with base ISO policy x Carrier A - Provides coverage up to policy limits and includes computers and phones x Carrier B - Provides coverage up to $100,000 with a sublimit for computers Strongest Protection Lesser Protection No Protection COMPETITIVE COMPARISON: LEGAL SERVICES DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3 management, legal support, credit monitoring and legally required notifications. Save time, money and avoid recovery costs, which can be as high as $1M. There is a fire and your billing records are destroyed. This makes it difficult for you to collect payments from customers. Accounts Receivable Protection covers the increased cost of collecting payments and the cost to reestablish the records of accounts receivable. This coverage is included in the basic Businessowner’s Policy for up to $10K in coverage and is increased up to $50K with the Professional Office Shield. *Optional coverage The situations listed above are examples of typical coverages and are not intended to convey coverage relating to any specific loss or event. All claims for coverage are subject to applicable state and territory laws, policy terms, conditions and exclusions. Updated September 20, 2016 Allstate agents know small business. They are small business owners too. And Allstate understands that no two businesses are exactly alike, which is why we are proud to offer innovative business solutions personalized for you. The optional Allstate Professional Office Shield* package combines property insurance, liability coverage and more into one custom, convenient policy. This comprehensive protection is designed with your business in mind so you can focus on what matters most... serving your clients. LEGAL SERVICES DocuSign Envelope ID: 3E4D9BA0-6D75-49E2-BCBA-D4037E9C32A3