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- Sample claims may be based on real cases or fictional examples and no coverage is guaranteed or afforded by any information provided on this page or this website. Your policy may or may not have any of the coverages shown in this sample. Policies vary based on terms, coverages, conditions, and exclusions Please check with your state and local jurisdiction for rules on operating a business. Coverage options vary by business, location, and are all subject to underwriting approval. The information is purely for educational purposes and not quoted from any legal source. This document does not amend, extend or alter the coverage afforded by the policy. For a complete under standing of any insurance you purchase, you must read your Policy, Declarations Page and any Endorsements, and discuss them with your broker. Your actual policy terms and conditions may be amended by Endorsement or affected by state laws.