Small Business Commercial Liability & Property

To view a brief description of selected program highlights, click the links below.  You can also click on "Penn-Star Eligible Classes" above to see all eligible classes. *** All product availability is subject to change.

Adult Day Care	Exercise and Fitness Professionals
Alarm Installers	E-Z Rate Artisans
Animal Care Professionals	Healing Arts Professionals
Apartments	In-Home Day Care
Beauty/Grooming Professionals	Motels/Hotels
Dwellings (LRO)	Restaurants
Special Events	Day Care - Commercial
Teaching Professionals	Vacancy Risks

Adult Day Care Program highlights

• Designed for day care centers for active adults
• General and professional liability limits up to $1 million per occurrence
• High property limits available
• Other package coverages include building and business property, equipment breakdown, crime, glass, inland marine

Alarm Installers Program highlights

• Aimed at installers of security alarm systems in residences and businesses
• Limits up to $3 million per occurrence/$3 million general aggregate
• New ventures are eligible
• Errors and omissions coverage available
• Optional care, custody and control coverage
• Other package coverages include building and business property, equipment breakdown, crime, glass, contractors equipment
• High property limits available

Animal Care Professionals Program highlights

• Designed for grooming services, veterinarians, pet sitters, dog walkers
• General and professional liability limits up to $3 million per occurrence/$3 million general aggregate
• High property limits available
• Other package coverages include general liability, building and business property, equipment breakdown, crime, glass, inland marine

Apartments Program Highlights

• Limits of liability up to $3 million per occurrence/$3 million general aggregate

Specialties

• High property limits available
• Liability up to $3 million per occurrence/$3 million general aggregate
• Broadened property coverage extensions
• Other package coverages include general liability, building and business property, equipment breakdown, crime, glass, inland marine
  

Beauty and Grooming Professionals Eligible risks and program highlights

• Designed for barbers, beauty salons, cosmetologists, manicurists, beauty schools
• General and professional liability limits up to $3 million per occurrence/$3 million general aggregate
• Tanning beds are eligible
• Other package coverages include building and business property, equipment breakdown, crime, glass, inland marine

Day Care Eligible risks include

• Especially designed for commercial AND RESIDENTIAL child day care centers

Program Highlights

• General and professional liability limits up to $1 million per occurrence
• High property limits available
• Molestation or abuse coverage up to $1 million available
• Other package coverages include building and business property, equipment breakdown, crime, glass, inland marine

Dwellings LRO

OWNER MUST BE A CORPORATE ENTITY (CORPORATION, LLC, ETC.)
Eligibility: one-, two-, three-, four-family dwellings rented to others

Exercise and Fitness Professionals Program highlights

• Especially designed for exercise and fitness professionals:
  • Health clubs
  • Gymnasiums
  • Toning salons
  • Martial arts schools
  • Self defense schools
  • Athletic instructors - fitness, golf, swimming, tennis
• General and professional liability limits up to $3 million per occurrence/$3 million general aggregate
• Swimming pools and tanning beds eligible
• Other package coverages include building and business property, equipment breakdown, crime, glass, inland marine
• PROFESSIONAL LIABILITY IS INCLUDED UP TO $1 MILLION EACH CLAIM/$1 MILLION PER OCCURRENCE LIMITS

E-Z Rate Artisans Program highlights

• Especially designed for the small artisan contractor
  • Alarm installers
  • HVAC dealers/distributors
  • Janitorial services
  • Landscapers
  • Many other categories
• Limits up to $3 million per occurrence/$3 million general aggregate available
• Part-time and seasonal operations are eligible
• Short term policies available
• Care, custody and control property damage extension available
• New ventures are eligible
• Other package coverages include building and business property, equipment breakdown, crime, glass, inland marine

Healing Arts Professionals Program highlights

• Especially designed for physical, mental and spiritual care professionals such as: audiologists, clergy, counselors, nutritionists, social workers, therapists
• General and professional liability limits up to $3 million per occurrence/$3 million general aggregate
• Other package coverages include building and business property, equipment breakdown,crime, glass, inland marine
• Tanning beds and swimming pools eligible

In-Home Day Care Eligible risks include

• Especially designed for in-home child day care operations

Program highlights

• General and professional liability limits up to $1 million per occurrence
• High property limits available
• Molestation or abuse coverage available
• Other package coverages include building and business property, equipment breakdown,crime, glass, inland marine

Motels/Hotels Program highlights

• General and professional liability limits up to $1 million per occurrence
• High property limits available
• Other package coverages include building and business property, equipment breakdown, crime, glass, inland marine
  

Restaurants Eligible risks include

• Especially designed for eating establishments selling up to 40% liquor to total
• New ventures are eligible

Specialties

• High property limits available
• Liability up to $3 million per occurrence/$3 million general aggregate
• Liquor liability (in many states)
• Other package coverages include building and business property, equipment breakdown, crime, glass, inland marine

Special Events Some of the eligible risks

A wide variety of eligible classes

• Art shows
• Fund-raisers
• Walk-a-thons
• Dancers
• Bicycle races
• Flea markets
• Golf tournaments
• Ice cream socials
• Bingo nights
• Tennis tournaments
• Exhibitions
• Many others

Program highlights

• Limits up to $3 million per occurrence/$3 million general aggregate
• Vendors can be added as additional insureds
• Liquor liability available in many states
• Participants coverage available for certain classes
• Inland marine coverage for stage equipment, snack bars, portable stands available

Teaching Professionals Eligible risks and program highlights

• Vocational and trade schools
• Independent instructors in:
  • Art
  • Dance
  • Computer science
  • Technology
  • Martial arts
  • Fitness
  • Golf
  • Swimming
  • Tennis
• General and professional liability limits up to $3 million per occurrence/$3 million general aggregate. Other package coverages include building and business property, equipment breakdown,crime, glass, inland marine
• Swimming pools and tanning salons eligible

Vacancy Risks Program highlights

• Especially designed for temporarily vacant buildings in the course of being renovated
  or sold
• Most properties qualify
• Course of construction risks considered
• Liability limits up to $3 million occurrence / $3 million general aggregate
• High property limits available
• Vandalism coverage available
• Personal property coverage available
• Competitive pricing
• 3 or 6 month policies available
• Coverage written using a variety of forms

Questions

If you have any question, please contact  Michelle Harris  or  Summer Jenkins   at 916.772.9200.