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Kristen TaylorNational Marketing Director Email: ktaylor@usgins.com
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Small Business Commercial Liability
Primary Liability
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> Mobile Home Parks > Owner's/Tenant's Protective > Premises Preferred > Residential Condominium > Vacant Buildings > Vacant Land > All Other |
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Click the categories below for a brief description of our products. For claims, examples, customizable marketing pieces and applications for your agency click the tabs above. |
Primary Liability
> 1-4 Family Dwellings
• Targets dwellings owned by investors for rental purposes
• Consider seasonal or timeshare rentals
• No exclusion for Assault & Battery
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> Apartments
• Risks with up to 500 total units
• No exclusions for Assault & Battery for risks without subsidized housing
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> Bars, Taverns, and Restaurants
• General Liability coverage for restaurants, bars, taverns,
gentlemen’s clubs, and night clubs
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> Child Care
• Residential & Commercial centers
• Coverages include General Liability, Professional Liability, and Child
Molestation with defense inside or outside the limit
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> Fitness Centers
• Available for exercise facilities, fitness centers, and gyms
• Coverages include General Liability, Professional Liability, Molestation
& Abuse, and Special Events
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> Hotel/Motels
• Hotel/Motels less than $2M in annual gross sales
• There is no maximum on the building height
• Swimming pools without diving boards or slides are eligible
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> Janitorial Services
• Risks that perform interior cleaning of office, residential, or mercantile
properties
• Automatically include: Contractors Equipment, Rental Reimbursement,
Lost Key coverage, and a Property Damage Extension endorsement
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> Lessor's Risk Only
• No restrictions on tenant operations if other than a Nursing Home, Assisted
Living, or Residential Health Care Facility
• No maximum on building height
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> Mobile Home Parks
• Up to 150 home sites per location
• Available for Mobile Home units that are owned and leased to others
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> Owner’s/Tenant’s Protective
• Allows the entity to protect itself with a more comprehensive policy
• Utilizes ISO’s CG 0001 and provides coverage to the owner for their
interests in the entire property
• Able to consider policy terms of 3, 6, 9 and 12 months
• Not available in AK, AZ, CA, LA & NV
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> Premises Preferred
• Designed for risks that only need premises liability coverage, typically to
meet landlord requirements
• Common classes include manufacturers, professional offices, and freight
forwarders
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> Residential Condominium Unit Owners
• Designed for the investor who owns units within residential condominium
associations for rental purposes
• Timeshare and seasonal units are acceptable
• Loss Assessment, Improvements & Betterments, and Loss of Rents
coverage is included at no charge
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> Vacant Buildings
• General Liability for vacant commercial and residential properties
• Available with a 3, 6, 9 or 12 month policy term, has low minimum premiums
and can consider renovations at costs up to $250,000
• Length of vacancy does not impact eligibility
• We also now consider partially vacant buildings, vacant condominium units,
and vacant rental space
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> Vacant Land
• Applicants owning land that is completely vacant, not leased to others, and
where no construction activity is scheduled to occur during our policy term
• Up to 500 acres at any one location
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> All Other
• Mercantile Exposures: retail/wholesale stores, food distributors,
caterers, delicatessens, and beauty & barber shops
• Building & Premise Exposures: offices, warehouses, theaters, and
parking facilities
• Habitational Exposures: dwellings, apartments, homeowners/
condo associations, and hotel/motels
• Contractors: select classes of artisan and general contractors
Umbrella/Excess Liability
> Commercial Umbrella/Excess Commercial General Liability
• Limits up to $5M, low minimum premiums, broad eligibility
• Ability to consider coverage over underlying carriers rated B++ or better
and no self-insured retention for the Commercial Umbrella
• Minimum attachment point of $1M for Commercial Umbrella and $5k for
Excess Commercial General Liability