Andrea Writes: Small Business

Check out the latest list of difficult risks handcrafted by WSS Senior Broker Andrea Zenner. Make sure to drop her a line if you have any questions....

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Package Policies

Metal Plating Operations

• Property   
  Special Form, Modified Fire Resistive, Built 1940 (with updates) – TIV: $175,000

• General Liability    
  1MM/1MM/500/500; Basis - $1,000,000 Gross receipts      

• Premium  
  $4,413

Supply Store

• Property   
  Special Form; Frame; Built 1989 – TIV $600,000  

• General Liability     
  1MM/Excl/1MM/1MM; Basis $2,000,000 Gross receipts     

• Premium  
  $4,669

Glass Repair/Installation

• Property   
  Special Form; Frame, Built 1985 – TIV $100,000

• General Liability     
  2MM/2MM/1MM/1MM; Basis - $450,000 Gross Receipts    

• Premium  
  $3,136

Vacant Restaurant

• Property   
  Special Form x-theft; Joisted Masonry; Built 2007 – TIV $827,536   

• General Liability     
   2MM/excl/1MM/1MM; Basis 4230 sq. ft.

• Premium
  $1,658 (6 month term)

Church

• Property   
  Special Form, Frame, Built 1954 (updated) TIV $50,000  

• General Liability     
  12MM/incl/1MM/1MM; Basis 1800 sq. ft 

• Premium  
  $898

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PROPERTY POLICIES

Banquet Hall with cooking

• Property   
  Special Form w/equipment Breakdown , Joisted Masonry, built 1902 (with updates) - $965,000 TIV

• Premium  
  $5,607

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COMMERCIAL GENERAL LIABILITY POLICIES

Sales & Installation electronics (audio video)

• General Liability     
  2MM/2MM/1MM/1MM; Basis $40,000 payroll

• Premium  
  $828

Bottling & Distribution water for consumption

• General Liability     
  2MM/2MM/1MM/1MM; Basis $551,000 Gross Receipts  

• Premium  
  $2,438

Dwelling rented to others

• General Liability
  300/300/300;  basis 1

• Premium  
  $1,000

Lessors Risk occupied by ironwork, fencing installer & auto accessory sales

• General Liability     
  2MM/excl/excl/1MM; Basis 5149 Sq Ft     

• Premium  
  $800

Lessors Risk occupied by commercial offices, apartments, single family dwelling and vacant land

• General Liability     
  2MM/incl/1MM/1MM; basis is various 

• Premium  
  $17,852

Lessors Risk vacant land

• General Liability     
  3MM/incl/2MM/2MM; basis 15 acres      

• Premium  
  $1,400

Vape Store

• General Liability     
  2MM/excl/1MM/1MM;  Basis $180,000 Gross Receipts 

• Premium  
  $750

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