Artisan Contractor Coverage
Artisan contractor coverage is a broad,
comprehensive program for special trade contractors. It offers expanded coverage
to meet the specialized needs of those involved in two major segments of the
construction industry: artisan contractors and service providers.
| Artisan contractors |
Service providers |
| Carpenters |
Landscape gardeners |
| Plumbers |
Janitorial services |
| Electricians |
Carpet cleaners |
| Heating and air conditioning |
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| Painters |
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| Masons Service providers |
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Artisan Contractor coverage details
Property
Your agent will work with you to customize
property coverages to meet your individual needs, including buildings, business
property, business continuation and your tools and equipment.
General Liability
Our Liability coverage offers protection for
premises, products, contractual, personal and advertising injury, as well as
many other liability exposures.
Business Auto
We provide broad coverage for the vehicles you
own or rent and use in your business.
Crime
We offer coverage ranging from theft of
personal property to employee dishonesty, depositor's forgery and broad form
money and securities coverage.
Contact William Go for more
details.
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Automotive Trades Coverage
Whether you own a new or used
auto dealership, a repair garage or a chain of transmission shops, we have
an affordable plan customized to meet the specialized needs of your auto sales
and/or service business.
| Automotive Trades coverage is available for: |
| Body shops |
Transmission shops |
| Repair garages |
Muffler shops |
| Auto dealerships |
Auto glass shops |
| Quick-lube oil change outlets |
Gasoline service stations |
| |
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Automotive
trades - repair and service coverage details:
Property |
|
|
Building(s)*
Business personal property including stock
Leasehold interest
Extra expense
Business income
Employees' tools
Electronic data processing equipment
Valuable papers and records
Accounts receivable
Glass
Backup of sewers and drains
Outdoor signs
Outdoor property
Lock replacement
Fire department service charge
Fire extinguisher recharge expense
Arson conviction reward
Debris removal
Property of others
Replacement cost
Inflation guard
Equipment breakdown
Cargo coverage
Earthquake (in states where available)
* available if you own the building or your lease agreement requires you to
insure it.
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| Garage and
General Liability |
|
|
Owned auto coverage
Physical damage to owned vehicles
Premises and operations
Products/completed operations
Fire legal liability
Personal and advertising
Contractual liability
Protective liability for acts of independent contractors
Host liquor liability
Incidental medical malpractice
Non-owned watercraft
Spouse or partners insured
Limited worldwide liability
Uninsured/underinsured motorists
Garage medical payments
Personal injury protection (where available)
Hired autos
Individual named insured
Broad form products
Elevator liability
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| Auto
coverages |
|
|
Bodily injury and property
damage
Uninsured/underinsured motorists
Non-ownership liability
Hired auto coverage
Auto medical payments
Personal injury protection (where available)
Physical damage - comprehensive
Physical damage - specific causes of loss
Physical damage - collision
Physical damage - towing and labor
Drive other car coverage
Hired autos specified as covered auto
Cargo coverage
Additional insured - lessor
Rental reimbursement coverage
Tapes, records and discs (where available)
Audio, visual and data electronic equipment
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| Crime
coverages |
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|
Money and securities
Employee dishonesty
Robbery and safe burglary
Robbery and safe burglary - money and securities
Premises burglary
Premises theft and robbery outside
Extortion
Forgery or alteration
Theft, disappearance and destruction
|
Contact William Go for more
details.
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Commercial Real Estate Coverage
Commercial Real Estate
coverage provides a comprehensive program to property owners who lease or rent
building space used for offices, service businesses, retail stores, light
industrial or light manufacturing. Parking areas may be included in the coverage
if used by the building occupant and customers.
| We offer coverage
for: |
| Office buildings |
Retail shopping centers |
| Buildings used for industrial,
manufacturing, assembly |
Private commercial warehouses |
| Processing or service buildings |
Mixed occupancies: office, retail,
light manufacturing, industrial, assembly, processing or service buildings |
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Commercial Real
Estate coverage details:
Property
Customized to meet your individual needs for coverage of
building, business property, business continuation, crime and equipment
breakdown.
General Liability
Includes coverage for personal and advertising injury and
fire legal liability exposures. We also offer coverage for supplementary
payments and medical payments to others.
Business Auto
We provide broad coverage for the vehicles you own or
rent and use in your business.
Crime
Offers coverage from theft both inside and
outside your establishment, employee dishonesty and depositor's forgery and
offers broad form money and securities coverage.
| Additional
coverages for shopping centers and office buildings: |
| Primary Package |
Premier Package |
Loss of rents
Back-up of sewers or drains
Arson conviction reward
Lock replacement
Building glass
Outdoor signs
Computer coverage |
Equipment breakdown
Extended replacement cost
Extended premises boundary
Tenant's moveback
|
|
|
Contact William Go for more
details.
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Habitational Coverage
Apartment and condominium
owners have special needs when it comes to finding comprehensive insurance coverage designed for
multi-family housing units. Habitational coverage safeguards your assets
plus offers options such as liability protection for condominium association members and loss of rental income for apartment owners.
| Coverage options
include: |
| Master Key |
| Expanded Directors and Officers
Liability (condominium) |
| Business Income (apartment) |
| |
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| Apartment
Owners |
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Condominium
Associations |
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Property
Customized Property coverage tailored to meet your individual needs, including:
buildings, business property, loss of rents, replacement cost, inflation guard
and equipment breakdown coverage.
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Property
Customized Property coverage to meet your association's individual needs,
including: buildings, business property, association fees, replacement cost,
inflation guard and equipment breakdown coverage.
|
General Liability
Offers protection for premises, contractual, personal and advertising
injury as well as many other liability exposures.
|
|
General Liability
Offers insurance for premises, personal and
advertising injury as well as many other liability exposures.
|
Crime
Protection ranges from theft of personal property (inside and outside
your complex) to employee dishonesty, depositor's forgery and broad form money
and securities coverage.
|
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Crime
Protection ranges from theft of personal property
(inside and outside your complex) to employee dishonesty, depositor's forgery
and broad form money and securities coverage.
|
Optional coverages and limits
Apartment owners have unique requirements. We offer a choice of
additional coverages and higher limits in some areas such as outdoor signs and
accounts receivable to meet your individual needs.
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Optional Directors/Officers Liability
Provides protection to current as well as past
board members from claims of negligence in fulfillment of duties and
responsibilities. Volunteers, committee members and employees can also qualify
for coverage.
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Optional Unit-Owners coverage
Coverage for individual unit-owners' improvements
and betterments is available. Choose from three unique unit-owners coverage
options. |
|
Contact William Go for more
details.
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Manufacturing Coverage
Manufacturing coverage is a comprehensive
program to meet the special needs of business owners engaged in the mechanical
or chemical transformation of materials into new products. It is available for
the following five types of manufacturers.
Food manufacturers
and processors
Dairy products
Fruit and vegetable products
Candy, confectionery products
Plastics and rubber products
Plumbing fixtures
Bottles and containers
Office equipment manufacturers
Disc drives
Optical storage devices
Calculating machines
General office equipment
Metal working and metal products
fabricators
Fasteners, bolts, nuts, screws, washers
Flatware
Pipes, metal tubes, fixtures
Audio, video and communications
equipment fabricators
Household audio visual equipment
Telephone equipment
Electronic components and accessories
Manufacturing coverage details:
Primary Coverage Package for manufacturers includes: |
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Accounts Receivable
Back-up of sewers or drains (optional)
Building
Claims expense
Computer equipment
Crime conviction reward
Debris removal
Employee dishonesty
Fire department service charge
Fire extinguisher recharge
Forgery and alteration
Increased cost of construction
Lock replacement coverage
Money and securities — inside/outside
Money orders and counterfeit paper currency
Newly acquired buildings
Newly acquired business, personal property
Outdoor signs
Personal property off-premises
Pollutant clean-up
Preservation of property
Seasonal automatic increase - BPP
Spoilage/temperature change, optional
Tenants glass, optional
Trees, shrubs and plants
Valuable papers and records
|
Premier
Package for manufacturers
Provides the same coverage with
higher limits plus these extra coverages: |
|
|
Brands and labels
Business income
Customer property at replacement costs
Equipment breakdown
Theft, patterns and dies
Theft, bullion and precious metals
Utility services — time element
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| Liability
coverages* |
|
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Products/completed operations
Personal injury liability
Advertising liability
Broad form property damage
Contractual liability
Employees as additional insured
Fire legal liability available
Medical payments
* Per occurrence limit-- $500,000 to $1,000,000
|
Contact William Go for more
details.
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Restaurant Coverage
Today’s restaurant environment is more complex than
ever and you want to know you’re covered for the unexpected occurrence. Our
All-in-One Restaurant Package includes Business Liability, Property and Crime
coverages designed to meet your needs. Whether your restaurant is elegant,
trendy, traditional, ethnic or home-style we have the package for you.
| We specialize in
providing insurance for the following types of restaurants: |
| Buffets |
Delis |
| Cafes |
Diners |
| Cafeterias |
Drive-ins |
| Carry-out restaurants |
Fast food |
| Coffee shops |
Food bars |
| Fine dining restaurants |
Family-style |
| Luncheonettes |
Sandwich shops |
Restaurant
coverage details / Property
coverages.
| Building(s) *
including: |
|
|
All garages, storage buildings
and completed additions to the business
Permanently installed fixtures, machinery and equipment
Materials and supplies for construction or repair of the building
Business personal property used for the maintenance and service of the building
including:
-fire extinguishing equipment
-floor coverings
-drapes and appliances
Tenant improvements and betterments
Outdoor furniture
* Available if you own the building or your lease agreement
requires you to insure it.
|
| Business
Personal Property |
|
|
Personal property
Personal property of others
Accounts receivable
Valuable papers and records
Seasonal automatic increase
Outdoor trees, shrubs and plants
Newly acquired business personal property
Consequential loss
Replacement cost
Debris removal
Food spoilage
Emergency removal
Damage to building(s) from theft, burglary or robbery
Off-premise personal property
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| Optional
Property coverages |
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Loss of earnings/business income
Outdoor signs
Building glass
Deductible buy-back on glass/sign coverage
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| Business
Liability coverages |
|
|
Products and completed
operations
Personal and advertising injury
Employer's non-ownership
Broad form property damage
Contractual liability
Employees as names insured
Supplementary payments
Fire legal liability
Medical payments to others
Parking area liability
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| Optional
Liability coverages |
|
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Liquor liability
Additional names insured
Employment practices liability
Employee benefits liability
Employers liability (stopgap)
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| Comprehensive
Crime coverages |
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Broad form money and securities
- inside
Broad form money and securities - outside
Depositor's forgery
Employee medical payments coverage (due to crime)
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| Optional
Crime coverage |
|
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Employee dishonesty
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| Optional Auto
coverages |
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Hired, non-hired auto coverage
Owned auto
Garage-keepers, valet (except Va.)
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| Additional
coverages |
|
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Food-born illness — business
income
Fine arts
Building ordinance
Contamination shut down
Earthquake coverage (in states where available)
Earthquake sprinkler leakage
Umbrella coverage
Equipment breakdown
Workers' Compensation (required if there are any employees on staff)
Back-up of sewers and drains
|
The statements of
coverage shown here are brief summaries and do not show policy exclusions. The
policy should be read for your actual coverages and exclusions.
Contact William Go for more
details.
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Retail/Service Coverage
The fastest-growing business
segment in the United States is retailers and service companies. Every day
millions of these businesses provide a place for consumers to purchase retail
goods or find services. And each one of these businesses has special needs when
it comes to finding the right insurance program. That’s why our Retail/Service
offers a package of coverages designed to meet the special insurance needs of
the businesses listed below.
| Printer and copier stores |
| Hardware and home improvement stores |
| Food stores |
| Retail stores |
| Offices |
| Dry cleaners |
| Repair shops (other than auto) |
Retail/Service coverage details / Property coverages
| Building(s) *
including: |
|
|
All garages, storage buildings
and completed additions to the
business
Permanently installed fixtures, machinery and equipment
Materials and supplies for construction or repair of the building
Business personal property used for the maintenance and service of the building
including:
-fire extinguishing equipment
-floor coverings
-drapes and appliances
-outdoor furniture
*Available if you own the building or your lease agreement
requires you to insure it.
|
| Business
Personal Property |
|
|
Personal property
Personal property of others
Improvements and betterments
Leased property
Loss of income
Valuable papers and records
Accounts receivable
Debris removal
Emergency removal
Newly acquired business personal property
Property temporarily away from premises
Seasonal automatic increase
|
| Optional
Property coverages |
|
|
Tenants exterior
Building glass
Employee dishonesty
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| Business
Liability coverages |
|
|
Advertising liability
Personal injury
Products and completed operations
Employers non-ownership
Personal injury liability
Broad form property damage
Contractual liability
Employees as individual names insured
Fire legal liability
Medical payments
Parking area liability
|
Optional
Crime coverage
(for additional premium) |
|
|
Employee dishonesty
Broad form money and securities - inside
Broad form money and securities - outside
Medical payments
Forgery or alteration
|
| Endorsements |
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Primary
package: We have included the most frequently sought coverages into a
package known as the "Primary coverage package." |
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Premier
package: An optional package which adds new
coverage and automatically increases many of the primary package coverages. |
|
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Talk to your our agent about
tailoring these broad coverages to fit the individual needs of your small
business. |
The statements of coverage shown
here are brief summaries and do not show policy exclusions. The policy should be
read for your actual coverages and exclusions.
Contact William Go for more
details.
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Wholesale/Distribution Coverage
As a wholesaler or distributor,
you have unique insurance needs. We specialize in providing your business
with carefully packaged coverage that delivers the goods no matter what kind of
goods you deliver.
| We specialize in
the following categories of business: |
| Beverage distributors |
| Motor vehicle supplies, wholesalers — new parts |
| Office equipment dealers |
| Stationery and supplies distributors |
| Hardware wholesalers |
| Food and food products distributors |
| Building service equipment: |
Plumbing
Heating and air conditioning
Electrical equipment and supplies
|
| |
|
Wholesaler/Distributor
coverage details
| Property |
|
Our
program provides customized Property coverages tailored to meet your needs,
including buildings, business property, product recall expenses, business
continuation and transportation. |
| General Liability |
|
Provides
coverage for premises, products, contractual, personal and advertising injury
and many other liability exposures. |
| Business Auto |
|
Covers
the vehicles you own or rent and use in your business. |
| Crime |
|
Provides
protection from theft both inside and outside your establishment, employee
dishonesty and depositor's forgery and offers broad form money and securities
coverage. |
| Related coverages |
|
Workers' Compensation
Employers' Liability
Umbrella
Employment Practices Liability
Pollution Liability
|
Contact William Go for more
details.
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