Habitational Mercantile General Liability Program Quick Reference Guide

Transcription

1 FedNat Underwriters N.W. 14 Street, Suite 180 Sunrise, Florida Phone: (800) Fax: (954) FedNat.com Habitational Mercantile General Liability Program Quick Reference Guide Quote, Rate Bind, Complete Apps, Endorse, & Get Policy And Certificates Immediately ONLINE Admitted Carrier/Competitive Commission/Easy Renewal Process Subject to underwriting approval and rating by ONLINE system NO FLAT CANCELLATIONS Program Highlights Waivers of Subrogation - no approval required Low minimum premiums 300+ GL class codes Blanket additional Insured - $ Upon request Artisan and Habitational Mercantile Primary / Non-Contributory language classes on one policy Artisan minimum endorsement premiums will apply New Ventures DISCOUNTS DEDUCTIBLE Renewal $250 per claim (Property Damage) Prior Coverage Claims Free RATE/QUOTE/BIND/POLICY ISSUANCE PROCEDURES: Log into FedNat.com and click on Point of Sale. Then click on Habitational Mercantile General Liability to rate / quote / bind / issue policy. Additional underwriting information requested may include: Picture ( if required) Inspection Report (if required) Loss Runs on risks which develop a premium over $5,000 or at Company s request CERTIFICATES OF INSURANCE: Certificates are generated through the online rating system. Any Certificate requiring special language must be sent to the Company for prior approval. Certificates may not be used to alter any agreements or clauses from that which appears in the policy. The Written Notice of Cancellation must state ten (10) days, unless otherwise requested by the certificate holder and approved by the Company. CLAIMS PROCEDURES Report a claim by calling (800) Any claim information can be ed or faxed to: Fax #: (888) report@FedNat.com GENERAL LIABILITY - LIMITS OF INSURANCE Maximum Limits $1,000,000 Each Occurrence Limit $2,000,000 General Aggregate Limit $2,000,000 Products - Completed Operations Aggregate Limit $1,000,000 Personal Injury and Advertising Liability $100,000 Fire Damage Legal Liability $5,000 Medical Payment Expense 1

2 ACCEPTABLE RISKS: Advertising Sign Companies - outdoor Air Conditioning Equipment - dealers or distributors only Antique Stores Apartment Buildings or Hotels time-sharing - 4 stories or more Apartment Buildings or Hotels time-sharing - less than 4 stories Apartment Hotels - 4 stories or more Apartment Hotels - less than 4 stories Appliance Distributors - household type Appliance Stores - household type Army and Navy Stores Art Galleries - Not- only Art Galleries - Other than Not Auctioneers - sales conducted away from the insured's premises Automobile Dismantling Automobile Parts and Supplies Distributors Automobile Parts and Supplies Stores Automobile Renting or Leasing Companies Bakeries Bakery Plants Barber or Beauty Shop Supplies Distributors Barber Shops Bars and Taverns Refer to Restaurants Bazaars - operated by the insured - Not-For- only Bazaars - operated by the insured - Other than Not Beach Chairs and Umbrellas - rented to others Beauty Parlors and Hair Styling Salons Bed and Breakfasts Beverage Distributors - alcoholic other than beer Beverage Distributors - nonalcoholic and beer Bicycle Stores - sales and servicing Bingo Games - in public halls or theaters - commercially operated Blacksmithing Bookbinding - Not- only Bookbinding - Other than Not Books and Magazines Stores - Not- only Books and Magazines Stores - Other than Not Bowling Lanes Boxes or Containers Mfg. corrugated or fiberboard Building Material Dealers - other than secondhand material Building Material Dealers - secondhand material Building Material Distributors Buildings or Premises - bank and other financial institutions mercantile or manufacturing (lessor's risk only) maintained by the insured - Not- only mercantile or manufacturing (lessor's risk only) - maintained by the insured - Other than Not-For mercantile or manufacturing (lessor's risk only) Not- only mercantile or manufacturing (lessor's risk only) Other than Not- Buildings or Premises - office - Not- only Buildings or Premises - office - Other than Not Buildings or Premises - office - premises occupied by employees of the insured - Not-For only Buildings or Premises - office - premises occupied by employees of the insured - Other than Not- Camera and Photographic Equipment Stores Campgrounds - Not- only Campgrounds - Other than Not Candy or Confectionery Stores Car Washes - other than self-service Car Washes - self-service Carpet, Rug or Upholstery Cleaning - shop only Catalog or Premium Coupon Redemption Stores Caterers Cemeteries - Not- only Cemeteries - Other than Not Chairs - rented to others Churches or Other Houses of Worship Clay or Shale Digging Clock Mfg Clothing Mfg Clothing or Wearing Apparel Distributors Clothing or Wearing Apparel Stores - Not-For- only Clothing or Wearing Apparel Stores - Other than Not Clubs - civic, service or social - having buildings or premises owned or leased - Not only Clubs - civic, service or social - having buildings or premises owned or leased - Other than Not Clubs - civic, service or social - no buildings or premises owned or leased except for office purposes - Not- only Clubs - civic, service or social - no buildings or premises owned or leased except for office purposes - Other than Not- Clubs - country or golf Clubs racket sports and handball Collectibles and Memorabilia Stores Computer Consulting or Programming Computer Data Processing - operations Computer Data Processing - time sharing

3 ACCEPTABLE RISKS cont. Computer Stores Concessionaires Concessionaires - Checkroom, shoeshine, or toilet concessions in hotels, restaurants, railroad stations, etc. Condominiums - commercial - bank or mercantile, manufacturing or office (association risk only) Condominiums - commercial shopping centers (association risk only) Condominiums - commercial warehouses - manufacturing or private (association risk only) Condominiums - residential - (association risk only) Conduit Construction for Cables or Wires Construction or Project Manager Consultants Contractors - Executive Supervisors or Executive Superintendents Contractors - subcontracted work - in connection with bridge, tunnel, elevated street or highway construction, reconstruction or repair - Contractors - subcontracted work - in connection with building construction, reconstruction, repair or erection - apartment or office buildings over four stories - Contractors Permanent Yards - maintenance or storage of equipment or material Copying and Duplicating Services - retail Cosmetic, Hair or Skin Preparation Stores Cotton Compressing Cotton or Wool Merchants Crematories - Not- only Crematories - Other than Not Dairy Products or Butter and Egg Stores - Not- only Dairy Products or Butter and Egg Stores - Other than Not Delicatessens Department or Discount Stores Detective or Investigative Agencies - private Distributors - food or drink Distributors - no food or drink Dwellings - four-family (lessor's risk only) Dwellings - one-family (lessor's risk only) Dwellings - three-family (lessor's risk only) Dwellings - two-family (lessor's risk only) Electronics Store Employment Agencies Engraving Equipment, Fixtures or Supplies - for bars, hotels, offices, restaurants or stores distributors Event, Party or Wedding Planners Express Companies Fabric Distributors Fabric Stores Feed, Grain or Hay Dealers Fence Dealers Fertilizer Dealers and Distributors Floor Covering Distributors Floor Covering Stores Floor Waxing Florists Forestry Service Forging Work Formal Wear or Costumes - rented to others Freight Forwarders or Handlers - other than packing, handling or shipping explosives or ammunition under contract Frozen Food - distributors Fruit or Vegetable Dealers Fruit or Vegetable Distributors Funeral Homes or Chapels Fur - garments and pelts - distributors Furniture or Woodwork Stripping, Refinishing or Repairing - shop only Furniture Stores - Other than Not Garbage or Refuse Dumps Garbage Works - separation for recycling, reduction or incineration Gift Shops - Not- only Gift Shops Other than Not Glass Dealers and Glaziers Golf Courses miniature Golf courses municipal or public not golf o country clubs Golf Driving Ranges Golfmobiles - loaned or rented to others Grain Elevator Operations Greenhouse Erection Grocery Distributors Grocery Stores Halls - Not- only Halls Other than Not Hardware and Tool Distributors Hardware Stores Health or Exercise Clubs Health or Natural Food Stores Heating or Combined Heating and Air Conditioning Equipment - dealers or distributors only Hide Dealers and Distributors - raw Hobby, Craft or Artists' Supply Stores Home Improvement Stores Honey Extracting Hotels and Motels - (lessor's risk only) - four stories or more Hotels and Motels - (lessor's risk only) - less than four stories Hotels and Motels - with pools or beaches - four stories or more Hotels and Motels - with pools or beaches - less than four stories Hotels and Motels - without pools or beaches

4 ACCEPTABLE RISKS cont. four stories or more - Hotels and Motels - without pools or beaches less than four stories - Ice Cream Stores Ice Dealers and Distributors Inspection and Appraisal Companies inspecting for insurance or valuation purposes Insurance Agents Internet Access Providers Internet Retailers Internet Service Providers Irrigation Works Operations Janitorial Supplies - dealers or distributors Jewelry Stores or Distributors Junk Dealers Land - occupied by persons other than the insured for business purposes - (lessor's risk only) Laundries and Dry Cleaners - self-service Laundries and Dry Cleaning Plants Laundry and Dry Cleaning Stores Laundry Rental Service Libraries Locksmiths Lumberyards Machine Shops Mail Box or Packaging Stores Mail Order Houses Mailing or Addressing Companies Manufacturers' Representatives Markets - not open air (lessor's risk only) Other than Not Markets - open air (lessor's risk only) Other than Not Metal Dealers or Distributors - nonstructural Metal Erection - frame structures iron work on outside of buildings Metal Erection - in the construction of dwellings not exceeding 2 stories in height Metal Erection - structural Metal Scrap Dealers Metal Works - shop - decorative or artistic Metal Works - shop - structural - load bearing Metal Works - shop - structural - not load bearing Milk Depots or Dealers Mobile Home Sales Agencies Model Homes Museums - Other than Not Music Stores - pre-recorded Musical Instrument Stores Nail Salons Newspaper or Magazine Distributors Newsstands Nursery - garden Packing Houses Paint, Wallpaper or Wallcovering Stores Painting, Picture or Frame Stores Paper Coating or Finishing Paper Products Distributors Paper, Rag or Rubber Stock Dealers and Distributors - secondhand Parking private Parking public open air Parking public shopping centers maintained by the insured (lessor s risk only) Parking public not open air Parking public shopping centers maintained by lessee (lessor s risk only) Pet Grooming Pet Stores Pet Training Photo Finishing Laboratories Photographers Piano Tuning Picnic Grounds - commercially operated Plastic or Rubber Supply Goods Distributors Plumbing Supplies and Fixtures Dealers and Distributors Political Campaign Headquarters or Offices Portable Toilet Rentals Prefabricated Building Erection Printers or Electrotypers Supplies - distributors Printing - Other than Not Parking private Produce Handling or Packing Professional and Trade Associations - no buildings or premises owned or leased except as offices - Other than Not- Publishers - books or magazines - Other than Not Publishers - newspapers - Other than Not-For Real Estate Agents Recording Studios Recycling Collection Centers - Other than Not Rental Stores Rental Stores - machinery or equipment - rented to others on a long-term basis Restaurants - operated by concessionaires - Other than Not Restaurants - operated by concessionaires - Not Restaurants - with no sale of alcoholic beverages - with table service Restaurants - with no sale of alcoholic beverages - without table service with seating Restaurants - with no sale of alcoholic beverages - without seating Restaurants - with sale of alcoholic beverages that are less than 30% of the annual receipts of the restaurants - with table service Restaurants - with sale of alcoholic beverages

5 ACCEPTABLE RISKS cont. that are less than 30% of the annual receipts of the restaurants - without table service with seating that are 30% or more of but less than 75% of the total annual receipts of the restaurants with dance floor that are 30% or more of but less than 75% of the total annual receipts of the restaurants without dance floor receipts of the restaurants with tables - with dance floor: table service receipts of the restaurants with tables - with dance floor: no table service receipts of the restaurants with tables - without dance floor: table service receipts of the restaurants with tables - without dance floor: no table service receipts of the restaurants bar service only (no tables): with dance floor receipts of the restaurants bar service only (no tables): without dance floor- Sales or Service Organizations Salvage Operations - removing, sorting, reconditioning and distributing of merchandise in damaged buildings and incidental operations away from such buildings Sand or Gravel Digging Sandblasting Secondhand or Salvage Dealers and Distributors Sewage Disposal - Plant operations Sewer Cleaning Sheet Metal Work - shop only Shoe Repair Shops Shoe Stores Shopping Centers - buildings, or premises not occupied by the insured (lessor's risk only) Shopping Centers - indoor malls - buildings, or premises not occupied by the insured (lessor's risk only) Spas or Personal Enhancement Facilities Sporting Goods or Athletic Equipment Stores Stone Cutting or Polishing Stores - food or drink - Other than Not-For Stores - no food or drink - Other than Not-For Street Cleaning Supermarkets Surveyors - land - not engaged in actual construction Swimming Pools Tailor Merchants - men or boys Tailoring or Dressmaking Establishments - custom Tents or Canopies - loaned or rented to others Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing or Silk Screening - new goods Theaters drive-in Theaters motion pictures Theaters Other than Not-for- only NOC Theaters Not-for- only Theatrical Companies traveling Ticket Agencies Tobacco Products Distributors Tobacco Products Stores Townhouse Associations (association risk only) Toy Distributors Toy Stores Trailer Dealers Trailer Rental Agencies Truckers Upholstering Vacant Buildings - factories Vacant Buildings - not factories - Other than Not Vacant Land - Other than Not Variety Stores - Other than Not Vending Machine Operations Vending Machine Operations - confection, food, beverage or ice Vending Machine Operations - tobacco products Video Stores Warehouse - cold individual storage lockers Warehouse - cold storage - public Warehouses Warehouses - mini-warehouses Warehouses - occupied by multiple interests (lessor's risk only) Warehouses - occupied by single interest (lessor's risk only) Warehouses - private - Other than Not Washing Machines, Dryers or Ironers - coin meter type Water Mains or Connections Construction Web Site Designers

6 RISKS: (may require additional underwriting information) Any risk that is not specifically shown as an acceptable classification under this program Any automobile or automobile related facility or operations Apartment Buildings or Hotels Bars and Taverns Bazaars Bowling Alleys Camp grounds Cemeteries Construction or Project managers Country or Golf Clubs Contractors Executive Supervisors or Executive Superintendents Employment Agencies Forging work Forestry work or service Golf courses - municipal or public not golf or county clubs Golf courses miniature Golf Driving ranges Golfmobiles loaned or rented to others Health or Exercise clubs Hotels / Motels four stories or more Locksmiths Machine Shops Machinery and / or Equipment rental stores Manufacturer s representatives no foreign products Metal Erection and / or Work structural and nonstructural Operations and tenants premises over 4 stories in height Pet grooming Pet stores Pet training Restaurants with over 75% liquor sales Risks with annual premium in excess of $5,000, or payroll greater than $500,000 or annual receipts over $2,000,000 Risks that have been cancelled, non-renewed or refused similar insurance Risks that have knowledge of an occurrence that could result in a claim Risks with a claim in the past three years Risks in which the principal has been bankrupt in the past ten (10) years Risks with a negative net worth Risks with subcontracted work greater than 40% Risks with water, fire, mold or fungus remediation work Risks that sell, install, service or repair alarm or alarm systems Risks that perform work in 24 hour operations Spas or Personal Enhancement Facilities Sporting Goods or Athletic Equipment stores Subcontracted Roofing Super stores, super markets or locations in excess of 5,000 square feet Vacant Buildings Vacant Land PROHIBITED RISKS: Airports - Aircraft or Flight Operations Alarm monitoring All Mining or Quarrying Operations Amusement Parks and Carnivals Any risks involved in the manufacture, storage or distribution of ammunition or explosives Any subcontracted work that is not specifically shown as an acceptable classification under this program Archery ranges or related operations Armored car service companies Athletic teams or programs, or events Auditoriums or stadiums Automobile, bus, truck, or motorcycle manufacturing or related operations Billiard or pool halls Blasting or Excavating Operations Camper or Trailer sales agencies Casino or casino-related operations Chemical manufacturing or distributing Children's play centers Chimney Cleaning Contractors involved in tunneling Crane Exposures Daycare or daycare related operations Demolition contractors Fire sprinkler installation or service Gasoline stations Governmental Bodies Gunsmiths or related operation Manufacturing operations of any type Marine or marine-related operations Marine Wrecking, repair, cleaning or demolition of Vessels or barges Medical, dental, hospital or surgical operations or healthcare facilities Natural or artificial fuel gas, butane, propane or liquefied petroleum gases, gasoline or fuel oil Night clubs Pharmacies or pharmaceutical operations Power line construction Production of Motion Pictures Property with poor housekeeping, including any visible damage Public or private utility companies Public street, road or highway work Race tracks Railroads or Contractors performing repair work on Railroad equipment Rifle or Pistol ranges or related operations Risks where any officer, owner or partner has a prior felony conviction Risks that perform or sublet any demolition, blasting, explosive materials used or demolition exposure contemplated 6

7 PROHIBITED RISKS cont. Risks that sell, install, service or repair automatic fire extinguishing systems, boilers, elevators or escalators Risks that perform floor waxing in 24 hour operations Roofing work, including, but not limited to, installation or repair of roof flashings, shingles, roof coatings or paint. All roofing work must be subcontracted out School or school related operations Security or patrol agencies armed or unarmed Special Events Swimming pool construction Tunnel or Subway Construction Water companies or water treatment plants or related operations Work on or Navigation of any Ocean-going Vessel Work for Franchise stores Underwriting Questions? Billing Questions? Referrals? TOLL FREE: (800) FAX: (954) ADDRESS: N.W. 14 Street, Suite 180, Sunrise, FL Hours of Operation Monday Friday 8:00AM - 5:00PM WEB: FedNat.com 7