There are many distinctive features available in the Retail Business Insurance Policy: Property – To protect your business building(s), contents, and equipment from a covered accidental direct physical loss, Liability – To protect yourself financially against costly claims and lawsuits covered under the policy, Loss of Income – Covers the actual loss of business income caused by a suspension of operations because of covered accidental direct physical loss to the insured premises, including any extra expense incurred to the extent it minimizes the loss of income, Computer Property – Provides broad coverage, with certain exclusions, for computer equipment used in your business operations, including computers, computer peripherals, computer cables, and software, Equipment Breakdown – Provides coverage for damage to covered property caused by mechanical breakdown of covered equipment, and artificially generated current damaging covered equipment, Employee Dishonesty – Protection against direct physical loss to business personal property including money and securities resulting from dishonest acts committed by employees, Brands and Labels – Provides coverage for the cost to remove brands and labels and/or stamp salvage on merchandise that has been damaged by a covered cause of loss, Utility Interruption Loss of Income – Coverage for loss of income caused by the necessary suspension of your business due to failure of communications, water, natural gas, or electrical service to the premises, Signs – Coverage for accidental direct physical loss to signs attached to buildings (whether indoor or outdoor) and to outdoor signs not attached to buildings at the described premises owned by you or in your care, custody or control. This explanation of insurance benefits is provided by Insurance Marketplace.