The Restaurant Area Program provides insurance coverage for the traditional restaurant. Please click on the link below for general rules, eligibility requirements, underwriting guidelines rating procedures and rates for the Restaurant Area Program. Some examples of acceptable restaurants are:
• Pizza Parlors
• Cafeterias
• Chinese Restaurants
• Delicatessens
• Donut Shop
• Sub Shop
• Coffee Shop
• Establishments with Beer and Wine only
• Restaurants including take-outs with annual sales that do not exceed $1,500,000.
•Maximum public area may not exceed 4,000 sq ft. and customer area may not be less than 1,000 sq ft.
Total Office Protection Program that provides insurance coverage for the traditional office as well as Medical and Dental offices. The package includes contents with wind, loss of business income, general liability, glass, signs, crime, etc. Some examples of acceptable offices, among others are:
• Accountants
• Attorneys
• Business Consultants
• Draftsman
• Insurance Agents
• Medical and Dental Offices (excluding offices in hospitals and walk-in clinics)
• Title Companies
• Trade or Professional Associations (if any off premises functions – not eligible)
Guidelines / Applications:
Commercial Insurance Application
The store program has been designed for retail operations such as:
• Candy or Confectionary Stores
• Clothing or Wearing Apparel Stores
• Computer Stores
• Department or Discount Stores
• Drugstores
• Floor Covering Stores
• Furniture Stores
• Gift Shops
• Hardware Stores
• Hobby, Craft or Artist’s Supply Stores
• Home Improvements Stores
• Jewelry Stores (CP 1420-Excludes Stock and Inventory)
• Musical Instruments Stores
• Paint, Wallpaper or Wall covering Stores
• Shoe Stores
• Sporting Goods or Athletic Equipment Stores
• Stationery or Paper Products Stores
• Stores (No Food or Drink)
• Variety Stores
Our artisan program includes Business Personal Property, General Liability and Inland Marine coverage´s. Some examples of acceptable contractors, among others are:
• Janitorial Services
• Painting Contractors
• Interior Decorators
• Landscapers
• Air Conditioning Contractors
• Plastering/Stucco Work
Applications:
Commercial Insurance Application
Artisan Liability Application
Our restaurant program offers competitive prices, flexible and tailored-made solutions for today´s high end restaurant type establishments.With ample protection, our restaurant program provides coverages for: Building, Business Personal Property, Business Income, Glass,Food Spoilage, General Liability, Liquor Liability, Outside Sign Coverage and Crime Coverage.
Our Commercial Package offers you the convenience of Commercial Property,Inland Marine,Crime,Commercial,General Liability and Liquor Liability under one policy. Some examples of acceptable commercial properties, among others are:
•Dry Cleaners
•Coin Laundries
•Offices
•Liquor Store
•Distributors
•Drug Stores
•Office Buildings
•Light Manufactoring Risks
Guidelines / Applications:
Commercial Insurance Application
Commercial Property Application
Glass and Sign Supplemental Application
Crime Application
Commercial vehicles are a vital part of small and medium size business. We offer you broad range of insurance coverage´s that customize to you firm´s needs. Our Commercial Automobile insurance policy provides auto liability, medical expenses, uninsured motorist, collision and comprehensive insurance coverage.
Guidelines / Applications:
Commercial Insurance Application
Commercial Auto Application
Commercial Auto & Garage Policy Change Request
We will provide Premises Operations, Products / Completed Operations, Personal Injury and Advertising Injury, Fire Legal Liability and Medical Expenses. Some of these acceptable risk are:
•Mercantile Risks
•Lessor´s Risk
•Residential and Condominium Habitational´s
Applications:
Commercial Insurance Application
Commercial General Liability Application
Service Stations are written under Commercial Package where we can provide Building, Business Personal Property, Pumps and Canopy,Car Wash Equipment,Hoses and Nozzles and Sign for you Convienience Store with Gas Service type operation as well as your Casuality and Liquor Liability.
Guidelines / Applications:
Commercial Insurance Application
Service Station Application
Liquor Liability Application
Under our garage policy we provide specialized insurance coverage to repair shops body and service stations.It provide a broad form of basic liability insurance coverage that includes bodily injury and property damage arising out of garage related operations. Some examples of these shops are:
•Repair Shops
•Muffler Shops
•Paint and Body Shops
•Radiator Shops
Guidelines / Applications:
Commercial Insurance Application
Garage Garagekeeper Legal Liability Application
Garage Supplemental Application
Commercial Auto & Garage Policy Change Request