| Available in California, Arizona, Nevada |
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Business Owners including
Apartments
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Eligible Classes
- Apartments
- Building Owner - Office - LRO-
25,000 Sq Ft or less
- Dental Lab*
- Graphic Design
Commercial Art with E&O
- One Hour Photo
- Pizza Shops
- Grocery Stores (Under 4000 +)
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- Bakery with Baking
(donut shops)
- Copy & Duplicating
- Florists (no non-owned auto)
- Laundry/Dry Clean Station
- Photo Engraving
- Shoe Repair
- Printing - Can provide E&O
- Condominiums
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- Bottled Water Distributors
- Delicatessen (no grill or deep
fat frying)
- Fruit & Vegetable Dealer
- Lithographing
- Photographers*
- Shopping Centers -LRO 25,000 Sq
Ft or Less
- Lessor Risks
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Offices
(only the following)
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- Accounting
- Chiropractors
- Insurance
Agents (must have $1M E&O Limit)
- Stockbrokers
(must have $1M E&O Limit)
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- Auditing Services
- Dentists/Dental Surgeons (must
have $1M E&O Limit)
- Lawyers (must have $1M E&O Limit)
- Travel Agents (no tours) (must
have $1M E&O Limit)
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- Bookkeeping
- Draftsmen
- Opticians - Optometrist
- Building Owners - Office -LRO
25,000 Sq Ft or less
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Retail Stores
- Appliance with Repair*
- Bed & Bath
- Candy, Beverage & Food*
- Clothing - except children's*
- Fishing Tackle
- Golf*
- Ice Cream
- Optical Goods (must have $1M E&O
Limit)
- Radio, TV, Phone (incl Repair)*
- Sewing Machine Stores
- Vacuum
Stores
- Shopping Centers - LRP 25,000
Sq Ft or Less
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- Aquarium
- Books & Newsstand
- Ceramic
- Coffee & Tea
- Gardening
- Hardware (no guns or ammo)*
- Musical Instruments*
- Paint & Wallpaper
- Record, Tape, CD*
- Shoe
- Sporting Goods
- Window Covering w/Installation
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- Artist Supply
- Camera* China Cutlery Kitchen
- Fabric
- Gift*
- Hobby
- Office Machine w/repair*
- Pet Stores (w/animals) no grooming
- Religious Goods
- Stationary
- Trophy
- Veterinarians*
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*Require Central Station Burglar Alarm
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Restaurant Program
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Customer Eating Area Rating
Special Causes of Loss & Enhancement Endorsement
1,000,000 / 2,000,000 Liability
Above Average in Class
Financially Sound
3 Years in Business at Same Location
Less than 50% Loss Ratio Last 3 Years
Cooking Operations Covered with Automatic Extinguishing Service
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Ineligible Risks
- No Dancing
- No Night Clubs
- No Liquor Exceeding 35% of Total
Receipts
- No Sports Bars
- No Pubs
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- No 24 HR Operations
- No Fast Food Rest
- No Risks Open Past 12 P.M.
- No with Wood Shake Roofs
- No Risk on Piers, Docks or Wharves
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All Buildings Over 25 Years, Special Supplement
on Update.
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Workers Compensation - 36 Classes
(See List in Workman Compensation Section)
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Quote Information
Acord Application with Supplemental
4 Years Valued Loss Runs
Copy of Menu
Copy of Flu Cleaning Contract at Quoting or Binding Mandatory
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