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....
DIC-EQ
Commercial/Retail
- Limits
10MM LL (11,200,000) TIV w/20% ded - Basis
1974 concrete tilt - Premium
$30,896
Water Company
- Limits
$7,465,000 TIV w/5% ded - Basis
1962 Frame including underground pipes & equipment - Premium
$26,300
Homeowner Association
- Limits
$1,841,805 RIV w/10% ded - Basis
1979 Frame Hab over garage - Premium
$5,000
GENERAL LIABILITY/PRODUCT
Manufacturer/Electrolytic Processes
- Limits
$2MM/1MM/1MM/1MM w/$2,500 ded - Basis
$300,000 Gross Receipts - Premium
$9,100
Medical Marijuana Dispensary
- Limits
$1MM/$3MM CGL/Professional w/$2500 ded - Basis
$6,000,000 Gross Receipts - $5290
General Contractor Building Medical/Dialysis Centers
- Limits
1MM/2MM/2MM/1MM 2/no deductible - Basis
$8,000,000 Gross Receipts - Premium
$24,800
COMMERCIAL PACKAGE POLICIES
Apartment (With Habitability Losses)
- Limits
1/2/1/1; $6,655,702 TIV - Basis
Steel/frame; 1923; 26 units - Premium
$34,310
LRO, Occupied by Furniture Mfg.
- Limits
2/2/1/1; $1,836,000 TIV - Basis
Concrete block, 1974, 20,000 sq. ft - Premium
$6,946
GARAGE POLICIES
Auto Body Paint & Repair Shop
- Limits
11MM/1MM/3MM; 2.3MM Garage Keepers - Basis
$130,000 payroll - Premium
$33,613
Cleans Diesel Filters
- Limits
1MM/1MM/2MM; $200,000 Garage Keepers - Basis
$67,600 payroll - Premium
$12,436
COMMERCIAL AUTO
Landscape Contractor
- Limits
$500,000 CSL – liability only (several losses) - Basis
13 light trucks - Premium
$77,851
Pizza Delivery (NOA)
- Limits
$1,000,000 CSL - Basis
$727,000 Delivery receipts - Premium
$6,750
EXCESS LIABILITY
Plumber (Back Flow Tester)
- Limits
$6MM excess of CGL, Professional, Pollution, Auto & Employers Liability - Basis
$400,000 Gross Receipts - Premium
$5,000
Produce Distributor
- Limits
$5MM excess of GL, AL, El & EBL - Basis
$35,000,000 Gross Receipts - Premium
$14,500
PROFESSIONAL LIABILITY
Lawyers Professional
- Limits
1MM/1MM - Basis
sole practitioner - Premium
$8,981
Architect E&O (Auto Dealerships)
- Limits
2MM/2MM - Basis
$1,100,000 Gross Billings - Premium
$18,891
EMPLOYMENT PRACTICES LIABILITY
Seafood Distributor
- Limits
1MM w/25K SIR - Basis
80 Employees - Premium
$20,453
Vocational School
- Limits
1MM/2MM w/15K SIR - Basis
30 Employees - Premium
$7,983
ENVIRONMENTAL LIABILITY
Mold/Fungus Cleaning
- Limits
2MM/2MM General, Professional & Contractors Pollution Liability - Basis
$2,400,000 Gross Receipts - Premium
$14,766
Back Flow Testing
- Limits
1MM/2M General, Professional & Contractors Pollution Liability - Basis
$400,000 Gross Receipts - Premium
$5,245
