Risk Eligibility

  • Risks with up to $3,000,000 in annual sales
  • More than 100 classes of business including the following most common classes:
    • Antique stores
    • Collectibles and memorabilia
    • Hardware stores
    • Art galleries
    • Floor covering stores
    • Jewelry stores
    • Bakeries
    • Florists
    • Music stores
    • Books and magazines
    • Furniture Store
    • Sporting goods
    • Candy stores
    • Gift stores
    • Variety shops
  • New ventures are eligible

In addition to the above classes, many others are eligible. Please contact your underwriter.

Contact an Underwriter at 877-742-9875

SUBJECT TO UNDERWRITING REVIEW

  • Up to two losses or claims per coverage line incurred in the past three years
  • Mixed mercantile occupancies

AVAILABLE LIMITS

  • Property values up to:
    • $3,000,000 in protection classes 1-8
    • $1,000,000 in protection classes 9-10
    • $500,000 in coastal zones (excluding wind and hail coverage)
  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Excess general liability or umbrella up to $5,000,000
  • Hired and non-owned auto liability up to $1,000,000 (equal to the general liability occurrence limit, not available in AZ, GA, IL, MS, VT or WI)

MOST COMMON INELIGIBLE RISK CHARACTERISTICS

  • Sells products under their name or label or sells directly imported products
  • Located in AK, LA or WV

NOTE: Ineligible risk characteristics include, but are not limited to those listed above.

CONTACT AN UNDERWRITER FOR MORE INFORMATION AT 877-742-9875 OR CLICK HERE TO FILE A SUBMISSION