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Target Classes
Bistros – Casual Restaurants – Sports Bars – Cafeterias – Coffee Shops Diners – Ethnic Restaurants – Family Style – Fine Dining - New Ventures
Coverage Provided For
- Liquor Liability
- Equipment Breakdown
- Garage Keepers
- Ordinance or Law
- Property
- General Liability – Umbrella
- Food Spoilage, Contamination
- Crime, Robbery/Safe Burglary
- Glass/Sign Coverage
- Accounts Receivable
- Extended Business Earnings
- Employee Dishonesty
- Employment Practices
GENERAL LIABILITY COVERAGE RATED ON SEATING CAPACITY
- Eligible classes include but not limited to: Condominiums / Apartments / Homeowners Associations / Office Buildings / Mercantile / Warehouses
- DIC / Citizens Wrap Around
- Written on an all – risk / replacement cost basis thru Best’s “A” rated carrier
- Windstorm protection available in most areas
- HSB Equipment Breakdown coverage available
- Monoline property available with Blanket Flood in most “A” zones
- Available through Admitted and Non-Admitted Carriers
- Provides Replacement Cost Coverage
- Named Hurricane Deductibles available
- All Other Windstorm deductibles as low as $1,000 - Business Income and Ordinance or Law coverage optional
- Monoline Business Income available
- Capacity Now available in all Florida Counties
- Apartment Risk – same day quotes
- Lessors Risk Exposures considered
- Monoline Loss of Rents coverage available
- Limits: $500 Million “All Risk” capacity, primary, quota share, and excess
- California Earthquake / Florida Wind capacity
- Minimum Premium: $5,000
- Deductible: $5,000
- Primary/Quota Share & $10,000 -Excess
- Deductible Buy Backs available
- Best's A+ Rated ”Admitted” and “Non-Admitted” carriers
- X-wind and with wind coverage available
- DIC Perils including Flood and Earthquake
- Builders Risk/Renovations*
- Most classes of property available including habitational
Coverage Provided For
Used Car Dealers
Non-Dealer Garage Service Businesses
- Dealers Pickup Trucks
- Private Passenger Autos
- Sport Utility Vehicles
- Heavy Trucks
- Recreational Vehicles (RV's)
- Motorcycles
- Auto Repair Shops
- Body or Paint Shops
- Car Washes - Full Service Only
- Detail and Clean-up Shops
- Heavy Truck Repair
- Lube and Oil Change Shops
- Motorcycle Repair
- Recreational Vehicle Repair (RV's)
- Tire Shops
Yachts
- $10,000,000 Hull Limit
- (higher limits available)
- $5,000,000 P & I Limit
- Private Pleasure Yachts
- Charter Boats – Six Pack including Crew
- Boat Rental including Bareboat
- Water Taxi, Tour Boats, Excursion Boats
- Performance Boats – Sailboats
Marine General Liabilty
- Boat Repair
- (Including Electrical, Electronics, Carpentry, Fiberglass, Painting, Canvas)
- Boat Detailing – Dock Construction
Specialty Marine
- Cargo (worldwide)
- Watercraft Pollution
- Terminal Operators – Stevedores - Wharfingers
STOCK - $2,000,000 Limit (higher limits available upon request)
Coverage Provided For
- Property in Transit by First Class, Registered Mail
- Transit by Armored Car Service
- Safe Deposit/Vault (SDV) Coverage
- Property at Dealer, Jobber, Manufacturer for Repair
- Property in Custody of Salesman or Selling Agent
- (Commissioned by - but not employed by - insured.)
- Shipments in Transit by Customer Parcel Delivery Service
- Travel
- Trade Show/Exhibition Coverage
- MONEY IN LOCKED SAFE - PATTERNS, MOLDS, MODELS & DIES - BETTERMENTS & IMPROVEMENTS - FURNITURE, FIXTURES & EQUIPMENT
*****Includes Wind*****
Other Classes include:Coin Dealers – Sports Memorabilia – Fine Arts – Larger Private Jewelry Schedules
TERRITORY
USA (excluding Kentucky), District of Columbia and the USVI
Contacts:
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- Commercial and Residential
- Limits up to $5,500,000 per building
- Up to $1,000,000 / 2,000,000 on General Liability including completed operations
- Basic, Broad & Special form available
- Special form coverage available
- 3 month, 6 month & Annual policy terms offered
- Monthly Reporting Form permitted
- Monoline Property available
- Wind coverage available based on location
- In House quoting and binding authority
- Commercial and Residential
- Limits up to $5,500,000 per building
- Up to $1,000,000/2,000,000 on General Liability
- Basic and Broad form coverage available
- 3 month, 6 month and Annual policy terms offered
- Wind coverage available based on location
- Mono-line Property available
- In House quoting and binding authority
Target Classes
Condominiums/Apartments
Homeowners/Condo Associations
Mercantile/Office Lessor’s Risk
Wind in Excess of Citizens
Windstorm Coverage for Loss of Rents
- Habitational and Mercantile classes eligible
- Building ordinance or law coverage available for all perils (not limited to DIC)
- Business Income for all perils
- Coverage for Common Areas (fences, signs, light posts, tennis courts)
- Wind in Excess of Citizens available
- Deductibles as low as $1,000
- Flood available in most 'A' zones
- Equipment Breakdown available
- AM Best's 'A' Excellent Rated
- Includes General Liability and Umbrella coverage
- Perils covered for adverse weather (floods, tornados and hurricanes) fire, collapse or destruction to the event site, power failures, labor disputes, industrial unrest
- Covered for physical loss of personal property, door receipts
- Policy extends to five (5) days after the event or events
- One policy can cover multiple events
- Combination policy of ocean cargo, inland marine, personal property
- Typical classes include: Manufacturing, distributing, retail, wholesale
- Coverage available for stock and materials in transit and storage
- Gaps in coverage are significantly reduced or eliminated
- Limits apply separately to transit and storage
- Flood and Windstorm coverage available
Target Classes
Artisan Contractors-Manufacturing-Mercantile-Sales, Service or Consulting Services-Pawn Shops-Valet Parking-Consignment Shops-Farm Liability-Special Event Liability
Product Features
- Over 900 Eligible Classifications
- Limits Up To $1,000,000/$2,000,000
- Various Coverage Options For Customizing Coverage
- Primary And Non-Contributory Coverage Available
- Automatic Additional Insured Endorsement
- Hired And Non-Owned Auto Liability Coverage Available
- Damage To Premises Rented To You
- Medical Payments Of $5,000
- Deductible Liability Per Occurrence Or Per Claim
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