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Commercial Package
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Packages are available for
Bars and Taverns, Child Care, Convenience & Grocery
Stores and Deli's, Electronics Stores, Fast Food,
Fitness Centers, and others.
Here is a list of available Commercial Packages
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| Bar and
Tavern Package |
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This package has been designed for Bar & Taverns with liquor sales greater than 50% of gross sales.
The Bar & Tavern Package can quickly and easily be quoted for five lines of insurance (Property, Liability, Liquor Liability, Excess or Umbrella and Crime
Coverages). |
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Product Features: |
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Coverage and Product Features:
- Bars and Taverns with alcohol sales greater than 50%
- Commercial Property, Commercial General Liability, Liquor Liability written on one policy
- Accounts with Dancing and Entertainment are eligible
- Available as a Package or Monoline Liability
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Optional Coverages include:
- Money and Securities
- Equipment Breakdown - includes food spoilage up to $25,000
- Glass
- Valuable Papers
- Account Receivables
- Signs
- Employee Dishonesty
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Limits of Insurance:
- Property limits up to: $500,000 per location in protection class 1-6
- $200,000 per location in protection class 7-10
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Liability limits up to: $5,000,000 each occurrence:
- $5,000,000 personal and advertising injury
- $1,000 medical payments
- $100,000 damage to premises rented
- $5,000,000 products/completed operations aggregate
- $6,000,000 aggregate (other than Prod/comp ops)
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Liquor Liability limits up to: $1,000,000 per occurrence/aggregate
Additional Advantages:
- Quick quotes
- Superior policy insurance
- Low minimum premium
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| Child Care Package |
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Product Features: |
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We provide the following coverages:
- Professional Liability is included at no additional charge
- Child Molestation limits provided up to the General Liability Limit at New Rates
- $5,000 of Medical Payments Coverage is included at no charge
- Low Minimum Premiums
- No Liability Deductible
- Coverage is available for Risks with Pets, Pools and Field Trips
- Hired and Non-Owned Auto Coverage is available
- Completely revised Property Rates for Building, Contents and Business Income
- Value Plus Endorsement provides Coverage for 16 Optional Coverages for One Low
- Flat Charge
- Glass, Money & Securities and Employee Dishonesty Coverage is available
- Special Form and Replacement Cost Coverage available
- Admitted Paper in New Jersey
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Optional Coverages include:
- We represent one of the only markets offering Child Abuse Limits greater than $100/$300
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| Convenience, Delicatessen and Grocery Store
Package |
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- Stores without commercial cooking (see Fast Food Restaurant Product for Delicatessens with commercial cooking).
- Gasoline sales less than 75% of total annual sales.
- Alcohol sales less than 25% of total annual sales.
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Optional Coverages include:
- Loss of Income
- Equipment Breakdown - Includes $25,000 of food spoilage
- Money & Securities Coverage
- Signs
- Glass
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| Electronic Stores Package |
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This product will be music to your ears! |
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Product Features: |
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Our Definition of Electronic Stores include:
- Appliance
- Camera
- Computer
- Phone
- Radio
- Stereo
- Television
- Video Game Stores
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Optional Coverages include:
- Loss of Income
- Equipment Breakdown - Includes $25,000 of Food spoilage
- Non-owned & Hired Auto - No delivery service
- Money & Securities Coverage
- Signs
- Glass
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Additional Advantages:
- Quick Quotes
- Superior Policy Issuance
- Low Minimum Premium
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| Equipment Breakdown
Package |
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Coverage is available as an endorsement to the property coverage part of a
Business Owner's (BP) or Commercial Package (CP) policy. |
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Product Features: |
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Eliminates gaps in the Property coverage form by adding coverage for:
- Mechanical Breakdown
- Electrical Arcing
- Steam Explosion of Boilers, Piping, Engines & Turbines
- Loss or damage to Hot Water Boilers
- Loss or damage to Steam Equipment
- $25,000 for Refrigeration Contamination
- $25,000 for Consequential Losses
- $25,000 for Perishable Goods Spoilage
- Engineering Inspection Services
Service includes FREE Jurisdictional inspections as required by state, county or local laws or regulations
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Additional Advantages:
- Agent E&O protection because you offered the coverage
- Broader coverage
- Issued as one Package policy
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| Fast Food
Package |
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This is a NEW product for
Fast Food Restaurants on a Business Owner's Form.
Eligible classes are: |
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- Take-out Restaurants
Restaurants with up to 75 seats- No waitress
service.
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Ideal For:
- Fried or Rotisserie Chicken Restaurants
- Deli's
- Hamburger Shops
- Ethnic Style Restaurants
- Pizza Shops
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Limits and Coverages:
- Property Total Insurance Values
- $500,000 per location
- Commercial General Liability Coverage Form
- Liability and Medical Expenses: Options of $300,000, $500,000, $1,000,000 and $2,000,000
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Personal Injury and Advertising Injury is included in the Liability and Medical Expenses
Limit:
- Medical Expenses: $5,000
- Product/Completed Operations Hazard Aggregate: identical to the Liability and Medical Expenses Limit, above.
- General Aggregate: twice the Liability and Medical Expenses above
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Optional Coverages Include:
- Loss of Income - 12 Month Actual
- Loss Sustained up to $400,000 limit
- Non-Owned & Hired Auto - No Delivery Service
- Money & Securities
- Signs
- Glass
- Equipment Breakdown (Including $25,000 Food Spoilage)
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| Fitness
Center Package |
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We are in great shape to
handle your fitness center business! |
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Product Features: |
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- Both General Liability and Professional Liability are provided for one low premium
- Separate Professional Liability coverage part
- Optional sub-limit for Tanning Beds available
- Physical and Sexual Abuse coverage available
- Hired and Non-Owned Automobile coverage available
- Easy to rate property coverage part
- Value Plus endorsement providing 16 optional coverages for one flat charge
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Optional Coverages include:
- Equipment Breakdown
- Glass
- Money & Securities
- Employee Dishonesty
- Sign
- Stop Gap (OH, ND, WA, WY)
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Marketing Advantages:
- Quick Quotes
- Superior Policy Issuance
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| Lessors Risk Package |
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This product has been designed to attract Building owners who rent their property to eligible mercantile tenants with or without Apartments and/or offices. |
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Product Features: |
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Limits and Coverages:
- Property Total Insurance Values up to $3,000,000 per location
- Commercial General Liability Coverage Form
- Liability and Medical Expenses: Options of $300,000, $500,000, $1,000,000 and $2,000,000
Personal Injury and Advertising Injury is included in the Liability and Medical Expenses Limit.
- Medical Expenses: $5,000
- Product/Completed Operations Hazard Aggregate: identical to the Liability and Medical Expenses Limit, above.
- General Aggregate: twice the Liability and Medical Expenses, above.
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Additional Advantages:
- Special form is available on accounts updated within the last 20 years. If a flat roof, it must be new or recoated within the last 10 years.
- Replacement cost is available on buildings 60 years old or newer insured to within
- 80% of the Replacement Cost value.
- Superior Policy Issuance
- Quick Quotation Turnaround.
- Low Minimum Premium.
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| Mainstreet
Package |
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This product has been designed to attract the selected owner operated businesses. |
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Product Features: |
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The eligible classes for this product are:
- Antique Stores
- Medical Offices
- Insurance Agents Offices
- Delicatessens without cooking
- Variety/Dollar Stores
- Grocery Stores less than 4,000 sq. ft. with no cooking
- Clothing Stores
- Shoe Stores
- Liquor & Wine Retail Stores
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Limits and Coverages:
- Property Total Insurance Values up to: $300,000 per location
- Commercial General Liability Form Liability and Medical Expenses: Options of $300,000, $500,000, $1,000,000 and $2,000,00.
- Personal Injury and Advertising Injury is included in the Liability and Medical Expenses Limit.
- Medical Expenses: $5,000
- Product/Completed Operations Hazard Aggregate: identical to the Liability and Medical Expenses Limit, above.
- General Aggregate: twice the Liability and Medical Expenses, above
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Additional Advantages:
- Special form is available on accounts updated within the last 20 years. If a flat roof, it must be new or recoated within the last 10 years
- Replacement cost is available on buildings 60 years old or newer insured to within 80% of the Replacement Cost value
- Quick Quotation Turnaround
- Low Minimum Premium.
- Superior Policy Issuance
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| Premises Preferred |
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This product is available for coverage on the premise of any office. |
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Product Features: |
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This product is ideal for:
- Hard to place office risks
- To satisfy lease requirements
- When only premise liability coverage is desired
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Optional Coverage includes:
- Loss of income
- Equipment Breakdown - Includes $25,000 of Food spoilage
- Money & Securities Coverage
- Signs
- Glass
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Additional Advantages:
- Quick Quotes
- Superior Policy Issuance
- Low Minimum Premium
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| Social
Services Package |
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Our non-profit social service package product is designed for light to medium hazard risks including: |
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- Non-Residential Services
- Individual and Group Counseling
- Referral Services
- Adult Day Care
- In-Home Assistance including Hospice Care
- Sheltered Workshops
- Adult Developmentally Disabled Day Care Facilities
- Information Hot Lines (non-crisis)
- Residential Care
- Alternative Living
- Respite Care
- Adult Developmentally Disabled Care
- Hospice Services
- Homeless Shelters
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Product Features:
- Available as a package or monoline
- Commercial General Liability, Professional Liability and Molestation & Abuse Liability offered on an occurrence form
- Optional Employee Benefits Liability and Extended Commercial General Liability coverages available
- Separate limits for all coverages
- Property coverage includes building, personal property, business interruption, signs, and loss of money in and off of premises
- Special form
- Replacement cost
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Limits of Liability:
- Commercial General Liability $1,000,000 per occurrence/$3,000,000 general aggregate
- Professional Liability $1,000,000 per occurrence/$3,000,000 general aggregate
- Molestation & Abuse Liability Up to $1,000,000 each claim
- Employee Benefits Liability $1,000,000 each claim/$1,000,000 aggregate
- Umbrella Liability Up to $10,000,000
- Property Limits Up to $5,000,000
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| Vacant Building Package |
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Our Vacant Building Package is designed for residential, commercial, and industrial properties. |
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Product Features: |
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- No restrictions on length of vacancy
- 3, 6, 9 and 12 month policies available
- Simple short-term policy extensions by endorsement
- All types of buildings considered
- Low minimum premiums
- Limits and Coverages Property Limits available up to $3,000,000
- Frame and not sprinklered up to $500,000
- Frame and sprinklered up to $1,000,000
- All other construction and not sprinklered up to $2,000,000
- All other construction and sprinklered up to $3,000,000
- Liability limits up to $1,000,000/$2,000,000
- Buildings under renovation are eligible
- Independent Contractors coverage available
- Package or monoline policies available
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Additional Advantages:
- Quick Quote Turnaround
- Competitive Rating
- Higher Limits of Insurance are available
- New Low Rates
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