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WHO WE INSURE

Types of Businesses
  • Apartment/condominium owners

  • Appliance repair shops

  • Automotive repair shops

  • Barber/beauty shops

  • Building material dealers

  • Car washers

  • Carpenters

  • Caterers

  • Ceiling/wall installers

  • Cemeteries

  • Churches/synagogues/mosques

  • Clinics

  • Clubs

  • Concrete construction contractors

  • Convenient Stores

  • Daycare centers

  • Door/window installers

  • Driveway/parking area/sidewalk pavers

  • Dry cleaners

  • Drywallers/plasterers

  • Electricians

  • Excavators/land graders

  • Fence erectors

  • Flooring installers

  • Fuel oil dealers/distributors

  • Funeral homes

  • Garbage haulers

  • General contractors

  • Glaziers

  • Golf courses

  • Grocery stores

  • Health care providers

  • HVAC contractors

  • Implement dealers

  • Insulation contractors

  • Janitors

  • Landscapers/gardeners

  • Laundromats

  • Loggers

  • Machine Shops

  • Manufacturers

  • Masons

  • Metal erectors

  • Metal Shops

  • Motels/hotels

  • Municipalities

  • Nonprofit/charitable organizations

  • Offices

  • Painters

  • Photographers

  • Plumbers

  • Printers/publishers

  • Property managers

  • Radio/TV stations

  • Retailers

  • Restaurants/taverns

  • Roofers

  • Sand/gravel haulers

  • Siding installers

  • Supermarkets

  • Taxidermists

  • Tile/stone workers

  • Truckers

  • Vending machine operators

  • Veterinarians

  • Warehouses

  • Water drillers

  • Wholesale distributors

Endorsements

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Additional Endorsements
  • Accounts receivable

  • Actual cash value

  • Automatic increase in insurance for buildings

  • Blanket insurance

  • Business income from dependent properties

  • Employee dishonesty

  • Extended period of indemnity

  • Accounts receivable

  • Actual cash value

  • Automatic increase in insurance for buildings

  • Blanket insurance

  • Business income from dependent properties

  • Employee dishonesty

  • Extended period of indemnity

  • Forgery/alteration

  • Money/securities

  • Outdoor signs

  • Tenants fire liability

  • Valuable paper/records

  • Forgery/alteration

  • Money/securities

  • Outdoor signs

  • Tenants fire liability

  • Valuable paper/records

 
Property Endorsements
  • Business income changes

  • Earthquake

  • Food contamination

  • Functional building valuation

  • Functional business personal property

  • Loss payable provisions

  • Ordinance/law requirements

  • Spoilage

  • Sprinkler leakage

  • Utility services disruption

  • Water back-up/sump overflow

 
Liability Endorsements
  • Exclusions

  • Employee benefits

  • Hired auto/non-owned auto

  • Liquor use

  • Medical expenses limit of insurance

  • Newly acquired organizations

  • Care, custody or control exception

  • Employers stop-gap

 
Special Endorsements
  • Exhibition

  • Fine arts

  • Laundry/dry cleaners

  • Owner’s cargo

  • Photographic equipment

  • Physicians/dentists equipment

  • Property floater

  • Miscellaneous bailee/processor floater

  • Exhibition

  • Fine arts

  • Laundry/dry cleaners

  • Owner’s cargo

  • Photographic equipment

  • Physicians/dentists equipment

  • Property floater

  • Miscellaneous bailee/processor floater

  • Replacement cost

  • Sales representative

  • Transportation

  • Replacement cost

  • Sales representative

  • Transportation

 

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