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INSTANT RATER APPLICATION - Answer 6 questions and ready to bind.  

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Program Highlights!

The Office Product

This product provides a comprehensive bundle of coverages for over 50 specific office classes such as accountants, advertising agencies, answering services, draftsmen, insurance agencies, medical offices, real estate offices, telemarketers, ticket agencies and more.



Available Coverages:

  • Property
  • General liability
  • Hired and non-owned liability
  • Professional liability: professional liability coverage included at no charge at a sub-limit of $25,000 for many classes
  • Equipment breakdown
  • Crime

Other Product Features:

  • Coverage offered on the businessowners form
  • No general liability deductible
  • Special form available
  • Replacement cost requirement available
  • No coinsurance
  • Business income offered on an actual loss sustained basis, up to the stated limit available
  • Seven coverages offered on a single policy

Claims Examples:

  • Property: One weekend night, vandals climbed onto the roof of a building and used a sledgehammer to damage the heating and air-conditioning unit. Damage was also done to the roof of the building where the heating and air conditioning units were located. Later that week, the local police apprehended some juveniles who had vandalized the insured’s building and some other businesses in the area.
  • General Liability: A patient in a physician’s office was injured when the chair upon which they were seated collapsed. The claimant suffered a sprained arm which resulted in a claim payment of $2,500.
  • Equipment Breakdown: A power surge caused damage to office phone equipment, making them inoperable. This resulted in a loss of business for two days


The Main Event ® — Special Event Product



We have the ability to provide fast quote turnaround for your special events. Eligible classes can be covered for general liability, liquor liability or both!

Product Features:

  • General liability coverage and/or commercial liquor liability coverage available for events with up to 10,000 attendees per day on most risks
  • The Host™ - Host liquor liability available for one-day events with 500 or less attendees in many states
  • Separate limits for general liability and host liquor liability
  • Automatic coverage for volunteers, temporary or leased workers and committee members
  • Food and beverage product liability included in the general aggregate
  • Medical payments coverage
  • Coverage for damage to rented premises
  • Property owner can be included as additional insured at no charge

Coverage for:

  • Beer gardens/tents, concerts/musical performances, festivals, parties, sporting events, motor vehicle events, car shows, conventions/trade shows/exhibits, fundraisers, parades, picnics, weddings/receptions and many other miscellaneous events

Limits of Liability:

  • Limits of $1,000,000/$2,000,000 available
  • Limits of $3,000,000/$3,000,000 available on certain risks

Additional Advantages:

  • Low minimum premium
  • A.M. Best rated A++ carrier
  • Online quote, bind and issue system


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