Already work with USG? Click Here to contact your local office.
Kristen TaylorNational Marketing Director Email: ktaylor@usgins.com
|
Small Business Property
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.
| Property Products > Apartments > Vacant Building > Monoline Property > Building Renovations > Contents Only > One to Four Family Dwellings > Bar/Tavern > Restaurant > Auto Repair Shop |
Inland Marine Products > Builder's Risk > Contractors’ Equipment > Inland Marine Select |
Property Products
>Apartments
• With or without mercantile occupancies in protection classes 1-8
• Limits of up to $1M can be provided for frame construction, up to $3M can
be provided JM or better construction
Return to top
> Vacant Building
• Commercial and Residential structures are eligible
• Policy terms of 3, 6, 9 or 12 months
• Special Form and Replacement Cost is available for buildings 25 years
old or newer
• Limits up to $3M
Return to top
> Monoline Property
• Our appetite for monoline property business includes the following classes:
mercantile, strip malls, shopping centers, office buildings, day care centers,
municipal buildings, health care facilities, institutions including public and
private schools & universities
• Value Plus endorsement offers 15 coverage enhancements including
EDP,Outdoor Property, Employee Dishonesty, Money & Securities
• Limits up to $3M
Return to top
> Building Renovations
• Coverage is provided for the existing structure and new construction on one
policy with split limits and rates
• Replacement Cost can be offered for buildings 25 years old or newer
• Special form can be offered on qualifying risks
• Limits up to $3M
Return to top
> Contents Only
• Coverage is available for Business Personal Property, Improvements and
Betterments, and related Business Income
• Replacement Cost and Special Form can be offered for qualifying risks
• Value Plus endorsement offers 15 coverage enhancements including EDP,
Outdoor Property, Employee Dishonesty, Money & Securities
• Limits up to $3M
Return to top
> One to Four Family Dwellings
• Coverage for Rental properties to a maximum limit of $750,000 in
protection class 1-8
• Owner occupied building with one or more units tenant occupied
Return to top
> Bar/Tavern
• Bars, Taverns, Nightclubs, and Gentlemen’s Clubs
• Equipment Breakdown with Food Spoilage Coverage
• Limits up to $750,000
• Value Plus endorsement offers 15 coverage enhancements including
EDP, Outdoor Property, Employee Dishonesty, Money & Securities
Return to top
> Restaurant
• Limits up to $600,000
• Value Plus endorsement offers 15 coverage enhancements including EDP,
Outdoor Property, Employee Dishonesty, Money & Securities
Return to top
> Auto Repair Shop
• Coverage for auto repair shop owners who need property insurance
protection for owned or leased buildings, business personal property,
and related business income loss
• Value Plus endorsementoffers 15 coverage enhancements including EDP,
Outdoor Property, Employee Dishonesty, Money & Securities
Inland Marine Products
> Builder's Risk
• Wide range of eligible project types including single family homes
• Available ancillary coverages include Soft Cost and Loss of Rental Income
• $3M capacity
Return to top
> Contractors’ Equipment
• Written on a scheduled basis with an all risk Inland Marine coverage form
• Max schedule of equipment is $1M subject to a max limit of insurance of
$150,000 per individual piece of equipment
• Replacement Cost valuation is available for equipment up to five model
years old
• Miscellaneous tools and equipment coverage is available on a blanket
basis with a max limit of $15,000 or 5% of the scheduled limit
Return to top
> Inland Marine Select
• This miscellaneous articles coverage is written on a scheduled or
blanket basis with an “All Risk” Inland Marine coverage form
• Available for 28 classes of equipment including vending machines, DJ
equipment, catering equipment, medical equipment, golf carts,
amusement rides, and ATM machines
• Policies are written with Actual Cash Valuation and 100% coinsurance
• Total insurance value can be provided up to $500,000