Risk Eligibility

  • Risks with up to $3,000,000 in annual sales and 25,000 square feet per location
  • More than 30 classes of business including the following most common classes:
    • Art
    • Craft & hobby
    • Photography
    • Athletic
    • Dance
    • Public speaking
    • Bartending
    • Drama & theater
    • Reading
    • Beautician
    • Insurance
    • Real estate training
    • Charm & modeling
    • Language
    • Tutoring centers
    • Computer
    • Massage
    • In-home tutors
    • Cooking
    • Music
    • Wine tasting
  • 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

AVAILABLE LIMITS

  • Property values up to:
    • $3,000,000 in protection classes 1-8
    • $2,000,000 in protection classes 1-8 (Frame and no sprinklers)
    • $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
  • Professional liability included at a limit equal to the general liability on select classes
  • Abuse and molestation liability up to $300,000 occurrence/$300,000 aggregate on select classes

MOST COMMON INELIGIBLE RISK CHARACTERISTICS

  • Public/private elementary, junior or senior high schools
  • Overnight exposure
  • Focuses on mentally or physically challenged children or children with learning disabilities special needs
  • Offers gymnastic instruction/activities or martial arts instruction/activities
  • Provides swimming lessons
  • Located in AK, LA, HI, 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