
WHO WE INSURE
Types of Businesses
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Apartment/condominium owners
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Appliance repair shops
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Automotive repair shops
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Barber/beauty shops
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Building material dealers
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Car washers
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Carpenters
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Caterers
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Ceiling/wall installers
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Cemeteries
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Churches/synagogues/mosques
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Clinics
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Clubs
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Concrete construction contractors
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Convenient Stores
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Daycare centers
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Door/window installers
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Driveway/parking area/sidewalk pavers
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Dry cleaners
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Drywallers/plasterers
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Electricians
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Excavators/land graders
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Fence erectors
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Flooring installers
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Fuel oil dealers/distributors
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Funeral homes
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Garbage haulers
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General contractors
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Glaziers
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Golf courses
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Grocery stores
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Health care providers
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HVAC contractors
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Implement dealers
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Insulation contractors
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Janitors
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Landscapers/gardeners
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Laundromats
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Loggers
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Machine Shops
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Manufacturers
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Masons
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Metal erectors
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Metal Shops
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Motels/hotels
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Municipalities
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Nonprofit/charitable organizations
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Offices
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Painters
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Photographers
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Plumbers
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Printers/publishers
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Property managers
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Radio/TV stations
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Retailers
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Restaurants/taverns
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Roofers
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Sand/gravel haulers
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Siding installers
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Supermarkets
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Taxidermists
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Tile/stone workers
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Truckers
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Vending machine operators
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Veterinarians
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Warehouses
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Water drillers
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Wholesale distributors

Endorsements
Additional Endorsements
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Accounts receivable
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Actual cash value
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Automatic increase in insurance for buildings
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Blanket insurance
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Business income from dependent properties
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Employee dishonesty
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Extended period of indemnity
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Accounts receivable
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Actual cash value
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Automatic increase in insurance for buildings
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Blanket insurance
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Business income from dependent properties
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Employee dishonesty
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Extended period of indemnity
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Forgery/alteration
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Money/securities
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Outdoor signs
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Tenants fire liability
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Valuable paper/records
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Forgery/alteration
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Money/securities
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Outdoor signs
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Tenants fire liability
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Valuable paper/records
Property Endorsements
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Business income changes
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Earthquake
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Food contamination
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Functional building valuation
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Functional business personal property
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Loss payable provisions
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Ordinance/law requirements
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Spoilage
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Sprinkler leakage
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Utility services disruption
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Water back-up/sump overflow
Liability Endorsements
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Exclusions
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Employee benefits
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Hired auto/non-owned auto
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Liquor use
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Medical expenses limit of insurance
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Newly acquired organizations
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Care, custody or control exception
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Employers stop-gap
Special Endorsements
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Exhibition
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Fine arts
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Laundry/dry cleaners
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Owner’s cargo
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Photographic equipment
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Physicians/dentists equipment
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Property floater
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Miscellaneous bailee/processor floater
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Exhibition
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Fine arts
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Laundry/dry cleaners
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Owner’s cargo
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Photographic equipment
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Physicians/dentists equipment
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Property floater
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Miscellaneous bailee/processor floater
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Replacement cost
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Sales representative
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Transportation
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Replacement cost
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Sales representative
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Transportation