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Kristen TaylorNational Marketing Director Email: ktaylor@usgins.com
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Small Business Packages
| Business Owners Packages > Beauty & Nail Salons, Barber Shops > Clothing Stores > Convenience, Deli, and Grocery Stores > Electronic & Video Stores > Fast Food Restaurants > Laundromats > Lessors Risk Only > Mainstreet Mercantiles > Offices > Retail Liquor Stores |
Commercial Packages > 1-4 Family Dwellings > Apartments > Bars, Taverns, and Restaurants > Child Care Packages > Specialty Training Schools > Fitness Centers > Off-Premises Caterers > Premises Preferred Packages > Vacant Building Packages |
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. |
Businessowners Packages
> Beauty & Nail Salons, Barber Shops
• Property, Liability, Crime, Glass, Signs, Professional, & Non Owned/Hired Auto
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> Clothing Stores
• Full theft coverage is available
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> Convenience, Deli, and Grocery Stores
• Alcohol sales less than 75% or gasoline sales less than 75%
• Risks with commercial cooking or new ventures are eligible
> Electronic & Video Stores
• Designed for appliance, camera, computer, radio, stereo, television, and
video game stores with less than $3M in annual sales
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> Fast Food Restaurants
• Designed for the small restaurant with total property values less than
$600,000 that does not have table service, i.e. waitstaff
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> Laundromats
• Liability coverage is rated per washing machine
• Attended and Unattended facilities as well as facilities open 24 hours
• Facilities offering dry cleaning, tailoring, etc. are eligible
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> Lessors Risk Only
• For building owners renting the premises to one of over 100 Businessowners
eligible Mercantile operations (including buildings with apartments or offices)
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> Mainstreet Mercantiles
• Available for over 100 types of mercantile businesses
• Optional coverages include Money & Securities, Non Owned/Hired Auto,
Signs and Glass
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> Offices
• Property, General Liability, Crime, Glass, Equipment Breakdown Coverage
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> Retail Liquor Stores
• We can offer a package policy on a businessowners coverage form that includes liquor liability
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Commercial Packages
> 1-4 Family Dwellings
• Single location or a schedule of 1 to 4 family dwellings
• Owner occupied building with one or more units are tenant occupied
• Property limits are available up to $750,000 in protection class 1-8
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> Apartments
• 5-20 units with or without mercantile
• Less than $3,000,000 total property insured value
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> Bars, Taverns, and Restaurants
• General Liability, Property, Liquor Liability, Crime, Glass
• Assault & Battery available in most states
• Bar/Tavern property limits are available up to $750,000
• Restaurant property limits are available up to $600,000
• Value Plus endorsement available
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>Child Care Packages
• Child Molestation Coverage, No liability Deductible, Medical Payments, Professional Liability, and many optional coverages
• Residential as well as commercial child care centers are eligible
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> Specialty Training Schools
• 20 different specialty schools or instructional classes accepted
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> Fitness Centers
• Available for exercise facilities and fitness centers
• General Liability, Professional Liability, Physical and Sexual Abuse as well
as an optional sub-limit for tanning beds
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> Off-Premises Caterers
• Events up to 500 people
• New ventures are eligible
• Liability credits are available for accounts that just serve food and/or does not
arrange any entertainment
• Inland Marine coverage is available
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> Premises Preferred Packages
• Typically used to meet landlord requirements
• Value Plus endorsement available
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> Vacant Building Packages
• Commercial and Residential properties
• Available with a 3, 6, 9 or 12-month policy term
• Risks vacant for more than one year are eligible
• Property limits available up to $3M
• In addition to 100% vacant buildings we insure buildings with more than
30% vacancy as a Partially Vacant Building and buildings with renovations
more than 20% as a Building Renovation Package