Liquor Store Program (Liquor-Pak)

The Liquor Store Insurance Program was designed with the retail wine and liquor merchant in mind. After hearing from small, owner operated corner stores to the the large volume super stores, a program was developed that offers the most competitive premiums and coverages exclusively for retail liquor stores.

Included at no extra charge the Liquor Store EDGE endorsement:

Seasonal Increase 50% Your limit of insurance for Business Personal Property will automatically increase by 50% to provide for seasonal variations in your inventory.

• Outdoor Signs - $2,500
• Personal Effects - $2,500
• Back-up of Sewers & Drains - $10,000
• Glass - $500 per pane/$2,500 per occurrence
• Outdoor Property - $500 Per tree/$5,000 per occurrence
• Newly Acquired or Constructed Building - $500,000
• Debris Removal - $25,000
• Fire Department Service Charge - $5,000
• Underground Water - $10,000

Fragile Articles - $1,000 Normally, loss or damage to fragile articles is excluded for many types of loss. We have now provided coverage for certain peril, up to $1,000 per occurrence, for your collector bottles, not held for sale.

Interruption of Water, Communication or Power Supply - $25,000 Will pay up to $25,000 for loss or damage that you incur due to the interruption of water supply, communications supply or power supply to your premises.

Action of Civil Authority - Will pay for loss of Business Income and/or Extra Expense you incur for 30 days due to the actual or potential suspension or delay in the opening of your business when a civil authority prohibits access to your premises due to a loss to property of others away from your premises.

Statement of Loss - $1,000 Will pay up to $1,000 to cover your expenses for preparation of loss data in connection with a claim covered under this policy.

Depositor's Forgery - $2,500 Will pay up to $2,500 in any one occurrence for your loss caused by forgery or alteration of a covered instrument.

Money Orders and Counterfeit Papers Currency - $1,000 Will pay up to $1,000 for any one occurrence for loss caused by your accepting any money order or counterfeit paper currency not paid upon presentation.

Money & Securities - $10,000 off premises To cover excess lottery receipts while in transit.

Ordinance or Law

• Coverage for loss to the undamaged portion of the building (up to a limit of $500,000).
• 10% of the building value up to $25,000 for demolition cost coverage.
• 10% of the building value up to $25,000 for increased cost of construction.

Regulatory Review Legal Expense Reimbursement Will pay up to $2,500 for the reimbursement of legal expenses paid by a licensed permittees to defend themselves against charges made by a state or local review or licensing board. This coverage does not apply for legal expenses to defend against a charge of selling to minors.

Property Complex Program

We offer a comprehensive commercial insurance program for residential rental property owners.  Eligible occupancies include:

• One, Two, Three and Four Family Dwellings
• Apartment Buildings
• Mixed Apartment/Office or Apartment/Mercantile Lessors Risk Occupancies
• Rental Condominiums

This program is designed for PROFESSIONAL PROPERTY OWNERS

• Do you have well maintained properties?
• Do you require tenants to sign a lease?
• Are you an experienced property manager or do you use a property management company?
• Are you interested in buying high-quality coverage from a committed and experienced insurance company?

Flexibility

• To write all properties on the same policy, including multi-family and apartment buildings
• to offer three account billing options: monthly, eight payments or quarterly

Quality Coverage

• Choice of: Special, Standard, Basic or Fire Only Perils
• Choice of: Guaranteed Functional Replacement Cost, Functional Replacement Cost, or Actual Cash Value Loss Settlement
• Loss of Income - Actual Loss Sustained for 12 Months.
• Comprehensive Liability including Personal Injury

Quality Options

A Package of over 20 coverage enhancements, including:

• $5,000 Claims Data Expense
• $10,000 Computer Equipment
• $5,000 Software
• Accounts Receivable: $25,000 On Premise, $$10,000 Off Premise
• $25,000 Property Management Ageny Fidelity
• $25,000 Employee Dishonesty
• $25,000 Money and Securities
• Policy limits of liability apply to each loaction separetly (aggregate by location)
• Newly Acquired Buildings Up to $500,000 for 60 days

Office Package Endorsement

Protects your office equipment:

• $2,500 Personal Effects
• $5,000 for Computer Media and Records
• $5,000 Property Off-Premise
• $10,000 each for Valuable Papers, Accounts Receivable, and Computer Equipment
• $10,000/$2,000 Money and Securities
• $5,000 Property Off-Premise
• Personal Property at a selected limit

Additional Coverages

• Earthquake
• Employee Dishonesty
• Hired and Non-Owned Automobile Liability
• Lessee Legal Liability
• Law and Ordinance
• Mechanical Breakdown
• Water Back-Up and Sump Overflow
• Vacant Land
• Flood
• Nonprofit Directors and Officers Liability - $1,000,000
• Umbrella Liability limits up to $50,000,000