(559) 634-1400

Commercial Lines

Business Owner Policy (BOP)

Coverage

  • Business Personal Property & Business Income coverage available
  • Building value up to $2,000,000 & Business Income up to $200,000
  • Up to 25 years for Special Form
  • Up to $1,000,000/$2,000,000 liability limit
  • Owner Occupied Retail Package available
  • Coverage Enhancement Endorsement available
  • Non Owned Auto Coverage available
  • PC 1-8 Available

Eligibility

  • Maximum square footage of 20,000 sq. ft.
  • Maximum Gross Receipts $1,500,000
  • All subject satisfactory photos or inspections

Commercial Lines

Builders Renovation

Coverage

  • Structural renovations for residential buildings
  • Theft of building material available on DP-1, DP-3, Basic & Specialized Project costs up to 150% of existing dwelling value
  • Existing structures up to $750,000
  • TIV up to $1,500,000
  • Renovations on dwellings up to 10,000 square feet
  • Renovations to existing structures up to 3 stories
  • Protection classes 1 to 8 available
  • 3, 6, 9 or 12 month policies
  • V&MM available
  • DP1 & DP3 forms available
  • Other structures up to 20% of Coverage A
  • Personal Property up to 20% of Coverage A
  • Premises Liability Limits up to $1,000,000

Eligibility

  • Dwellings secured against unauthorized entry
  • No dwellings condemned or scheduled for demolition
  • No coverage for builders risk in distressed areas
  • No coverage for buildings with existing damage
  • No renovation after fire, theft or vandalism, demolition or underpinning of an existing building or structure, lead, asbestos, or other pollutant abatement
  • No liability coverage where building owner acts as the general contractor

Commercial Lines

Commercial Property – Monoline

Highlights

  • Multiple buildings on one policy
  • Minimum premium $1,500
  • Minimum deductible $1,000
  • Business personal property optional
  • Business income is optional

* Apartments and condominiums require the Habitational Supplemental Applications

* Protection class 9/10 properties require the PC 9/10 Supplemental Application

Exclusions:

sawmills, heavy manufacturing, significant chemical exposure, day cares, halfway houses for ex-cons, drug or alcohol rehabilitation sites, student, or elderly, or HUD housing, properties that have not been updated in the last 25 years, vacant properties.

Commercial Lines

Course of Construction

Coverage

  • Single Projects with completed values up to $1,000,000
  • Residential and Commercial new construction up to three stories and 30,000 square feet
  • Basic & Special form with ACV-RCV options
  • Includes Soft Costs coverage
  • Includes Property in Transit and Off Site coverage
  • Protection classes 1 to 8 available
  • 3, 6, 9 or 12 month policies
  • V&MM available

Eligibility

  • No coverage for construction where work has already begun
  • Construction site locked & secured against unauthorized entry throughout the policy period when unattended
  • No coverage for buildings in distressed areas
  • No construction work involving demolition of underpinning of an existing building or structure, lead, asbestos of other pollutant abatement
  • No construction of modular, manufactured or mobile homes, earth homes, dome homes, open pier, stilt home, row or town homes, unique, green or experimental or any other non-conventional building
  • Contractor maintains GCL insurance with a minimum or $1,000,000 per occurrence

Commercial Lines

Cyber Liability

Information is a vital asset … make sure it is protected!

  • Critical data is at risk from viruses, hackers, malicious employees, and accidental damage
  • When systems fail, businesses cease to trade
  • Data is more portable than ever before, the equivalent of ten filing cabinets can now fit on a device smaller than a mobile phone

Traditional policies have major gaps!

  • Commercial property insurance protects your physical computers, but not the data stored on them
  • Business interruption cover will not respond to outages caused by computer viruses or hackers
  • General liability policies will not cover claims for intellectual property rights infringements, defamation, or privacy violations

Coverage

  • Cyber liability, privacy liability and first and third party privacy breach notification costs
  • Comprehensive cyber crime cover including phishing scams, telephone hacking, identity theft, wire fraud and cyber extortion
  • Consequential reputational harm cover which gives direct protection for loss of net revenue as a result of a security breach or denial of service attack
  • No retroactive date meaning there is no restriction on when the event which gave rise to the liabilities occurred
  • Cover for data held “in the cloud”
  • Comprehensive multimedia liability, protecting against claims for intellectual property rights infringement relating to all forms of content, including user generated content
  • Cover for regulatory actions and investigations
  • Technology errors and omissions
  • Court attendance costs
  • Crisis communication costs

Limits, deductibles and premiums

  • Limits available up to $10,000,000
  • A range of deductibles available, from as low as nil
  • Premiums starting from as little as $500

Commercial Lines

Directors and Officers Liability (D&O)

Who’s it for?

  • Biotech companies
  • Charities
  • Construction companies
  • Educational institutions
  • Healthcare institutions
  • Leisure and hotels
  • Listed companies outside the US
  • Manufacturers
  • Media companies
  • Municipalities
  • Nursing homes
  • Online companies
  • Professional service firms
  • Public sector companies
  • Retailers
  • Technology companies
  • Trusts
  • Utilities
  • Wholesalers
  • Other private companies

What does it cover?

  • Directors and officers liability
  • Company reimbursement
  • Entity securities liability
  • Investigation costs
  • Outside directorship liability
  • Extradition and appeal costs
  • Family costs
  • Corporate liability
  • Employment practices liability
  • Benefit plan liability
  • Cyber and privacy
  • Kidnap and ransom
  • Court attendance costs
  • Loss mitigation
  • Reputation on brand protection

Limits, deductibles and premiums

  • Maximum D&O Liability Limit $5m
  • Maximum Employment Practices Liability Limit $10m
  • Maximum Entity, Crime and K&R Limit $10m
  • Maximum Revenue $1bn
  • Maximum Deductible nil
  • Minimum Premium $100

Highlights

  • Includes broad coverage for kidnap & ransom including ransom reimbursement, legal liability, bodily injury in the event of a kidnap, kidnap expenses and emergency evacuation expenses
  • We offer entity securities cover as standard under the D&O insuring clause and can also offer corporate liability covering corporate manslaughter and health and safety breaches. In addition, there is entity cover under other insuring clauses including employment practices liability, benefit plan liability, cyber & privacy and kidnap & ransom
  • The cyber and privacy cover offered in this policy mirrors that of broad standalone cyber and privacy policy. Features include cyber liability, privacy liability, mandatory and voluntary privacy breach notification costs and systems damage and business interruption

Commercial Lines

Flood & Excess Flood

Highlights

  • Coverage equivalent to NFIP
  • Significantly lower premiums (20-70% less on avg.)
  • Commercial and Residential Risks
  • Available in all states except Louisiana and Kentucky
  • Will consider tougher zones: zones V, VE, A, AE
  • Coverage options up to $5 million for building and contents coverage combined ($1million maximum contents coverage)
  • Replacement cost for building and contents
  • Multiple deductible options are available: $1,000-$25,000
  • Ability to schedule locations for commercial properties
  • Accepted by mortgagees to satisfy FEMA
  • Program underwritten by Certain Underwriters at Lloyd’s of London

Commercial Lines

Special Events

Coverage

  • A wide variety of classifications to cater to your specific needs
  • Ability to e-mail Certificate of Insurance directly to the Insured
  • Up to 3,000 attendees and up to 15,000 overall event attendance
  • Events up to 5 days and until midnight
  • Commercial General Liability limits to $1,000,000/$2,000,000
  • Minimum premiums from $250
  • Host liquor liability available for private events in certain states
  • Including private events, business events & events open to the general public

Examples of Special Events (including but not limited to)

  • Anniversary Party
  • Antiques fair
  • Arts & Crafts
  • Auction
  • Awards Presentations
  • Bar Bat Mitzvah
  • Barn Dance
  • Business Dinner/Meeting
  • Christmas Fair
  • Church Events
  • Classical Folk/Jazz Convert
  • Community Fun Day
  • Educational Workshop
  • Exhibition
  • Family Reunion
  • Film fair
  • Food and Wine Fair
  • Fund Raiser
  • Gala
  • Non Profit Functions
  • Receptions
  • Recitals
  • Treasure Hunt
  • Weddings

Transportation

Physical Damage & Cargo

  • Convenient quotes and quick response time
  • Minimum Premium as low as $750 per policy
  • Any commodities considered*
  • Nationwide risks catered to**
  • Aggregate deductible and large deductible options offered
  • Limits available of $175,000 any one unit, $250,000 any one combination, $1,000,000 any one loss/terminal coverage
  • Quick, professional claims service using experienced adjusters

*Excepting Coal Haulers and Limousine and Taxi Services
**Excluding Illinois and Kentucky domiciled risks

Commercial Lines

Vacant Land

Coverage

  • 3, 6, 9, 12 month policies
  • Up to 500 acres of vacant land coverage
  • Medical Payments up to $10,000
  • Commercial General Liability Limits: up to $1,000,000/$2,000,000
  • Low minimum premiums

Eligibility

  • 100% vacant land
  • Up to 500 acres
  • Water hazard up to 1 acre
  • Subject eligibility criteria

Commercial Lines

Vacant Property

Coverage

  • Monoline Property, Package (Property and Liability), Contents, and Multiple Locations including schedules available
  • Residential forms ISO DP1 & DP3
  • Commercial forms ISO Basic and Special – ACV & RCV
  • Building values up to $3,000,000
  • Residential Premises Liability Limits up to $1,000,000
  • Residential Premises Liability includes “Partnerships, Joint Ventures, Limited Liability Companies & Trusts”
  • Residential Liability coverage includes Swimming Pool Liability
  • Commercial Premises Liability Limits up to $1,000,000/$2,000,000
  • Renovations: 50% of building value up to $400,000
  • Low minimum premiums
  • 3, 6, 9 or 12 month policies
  • Deductibles from $500
  • Theft available in conjunction with V&MM on DP3 / Special

Eligibility

  • Buildings secured agains unauthorized entry
  • No buildings condemned or scheduled for demolition
  • No coverage for buildings in distressed areas
  • No coverage for buildings with existing damage
  • All subject satisfactory photos or inspection for risks exceeding $500,000