Community Associations:
Community Associations:
Community Association Program Details & Highlights:
- Board Member Liability
- Contract Assistance (Guidance & Review)
- Loss Control
- Manager training
- Property Evaluations
Convenience Stores:
Convenience Stores:
Convenience Stores Eligible Classes:
- 24-hour operations
- Cooking on premises: it if is protected and has a service contract on equipment
- LP sales, if no refilling on-site
- Other operations, such as suntan beds or movie rentals
- Self service car wash
- And more…
Convenience Stores Program Details & Highligts:
- Gasoline sales treated separately from grocery sales, rated on gallons
- Buildings less than 5,000 sq. ft. are rated as preferred
- No max on gross sales or number of pumps
- Preferred rates
- Both Monoline and Package Policies are available
Daycare Facilities:
Daycare Facilities:
Daycare Facilities Program Details & Highlights:
- Professional Liability at no additional charge
- Optional child molestation abuse limits up to general liability limit (commercial)
- Non-owned and hired auto coverage is available
- Coverage for risks caring for children with special needs or “drop-in” centers
- Eligible exposures include pets, field trips, and more
- Coverage for extended hours and overnight commercial childcare facilities
- Optional value plus endorsement providing 16 coverages for one low flat charge, including:
- Glass
- Money
- Securities
- Employee Dishonesty
- And more…
Personal Enrichment Schools:
Personal Enrichment Schools:
Personal Enrichment Schools Program Eligible Classes:
- Art Instruction
- Athletic Instruction
- Bartending Instruction
- Beautician Instruction
- Business / Paralegal / Secretarial / Administrative Assistant Instruction
- Charm / Modeling Instruction
- Cooking Instruction
- Craft/Hobby Instruction
- Computer Instruction
- Dance Instruction
- Drama / Theater Instruction
- Dressmaking / Tailor / Sewing / Crafts Instruction
- Insurance Instruction
- Language Instruction
- Massage Instruction
- Medical / Nursing Instruction
- Music Instruction
- Photography Instruction
- Poker / Gambling Instruction
- Public Speaking Instruction
- Reading Instruction
- Real Estate Instruction
- In-home Tutoring & Instruction
- Tutoring Centers
Personal Enrichment Schools Program Details & Highlights:
- Over 30 different operations are eligible, including Art/Dance/Music instruction, personal trainers, tutors and more!
- Ability to offer separate limits for Abuse & Molestation Liability and Professional Liability on a variety of eligible exposures
Gym and Fitness Centers:
Gym and Fitness Centers:
Gym and Fitness Centers Program Eligible Classes:
- Health club
- Fitness center
- Gyms
- Physical Therapists
- Lifeguards
- Nurses
- Dietitians
- Fitness and Racquet sports
- And more…
Gyms and Fitness Centers Program Details & Highlights:
- Property coverage
- Workers compensation
- EPLI (Employment Practices)
- General Liability Insurance
- Premises Liability
- Completed Operations
- Products Liability
- Abuse and Molestation Coverage
- Electronic Data Processing Equipment of $50,000
- Tanning Liability available
- Automatic External Defibrillators (AED)
- Subcontractors coverage
- Business income limit of $50,000
Hotels and Motels:
Hotels and Motels:
Hotel and Motel Property Coverage Program Details & Highlights:
- Special cause of loss coverage
- Deductible options
- $500
- $1,000
- $2,500
- $5,000
- $10,000
- Replacement cost
- Agreed amount
- Property enhancement endorsement
- Ordinance or law coverage
- Inflation guard
- Equipment breakdown
- Accounts receivable
- Valuable papers
- Money & securities
- Signs & exterior grade floor glass
- Business interruption
Hotel and Motel General Liability Coverage Program Details & Highlights:
- Comprehensive general liability coverage
- Limits offered
- $500,000/$1,000,000
- $1,000,000/$2,000,000
- Innkeepers legal liability $1,000/$10,000
- Employee benefits liability
- Up to $1,000,000 limits
- Liquor law liability
- Up to $1,000,000 limits
- Hired & non-owned auto
- Employee dishonesty
- Garage keepers legal liability
- Up to $300,000
-
- Up to $1,000,000 limits
- Hired & non-owned auto
- Employee dishonesty
- Garage keepers legal liability
- Up to $300,000
Lumber and Logging:
Lumber and Logging:
Lumber and Logging Program Eligible Classes:
- Lumber yards
- Wholesalers
- Sawmills
- And much more
