Please provide a detailed description of your operations. The more we know, the more equipped we'll be to negotiate with our underwriters for competitive rates!
How many years have you been in business?
Please tell us about the number of claims you've experienced in the last 5 years. Please be as detailed as possible including when the claim happened, approximately how much was paid out, and any other details that come to mind.
Please give a detailed description, including the name of the program (ie: TIPS, TOPS, etc.), indicate if all servers/bartenders are required to attend the program within 60 days of hiring, and if written materials are made available to employees to reinforce skills learned in training.
If yes, please describe...
If yes, please describe details...
If yes, please describe in detail including the number of each...
IF PROPERTY COVERAGE IS NOT DESIRED, FEEL FREE TO SKIP DOWN TO THE NEXT ELIGIBLE SECTION.
If there are other tenants within your building, we'll need to know their business names as well as what they do.
Please list any additional buildings, signs, fences, playgrounds, etc.
A "central" reporting burglar alarm reports to a police station, and a "local" burglar alarm reports to a local alarm company.
If your sump-pump fails, or sewage backs up through your sewers and drains, you'll need to add this coverage by endorsement if you would like coverage. This is standard throughout the industry.
Please indicate how much average money you keep on premises, how often the bank deposits occur, and whether or not money is kept in a safe.
Asphalt Shingles (most common)
If you have any additional insured's, please list them below. The reason we ask here, is because if you have a landlord or a food vendor asking to be listed as an additional insured on your General Liability policy, we will want to factor this into the quote that we work up.
This coverage is liability insurance for employers that covers them from from wrongful termination, discrimination, sexual harassment, and other violations of employees' legal rights.
Data Breach Insurance, also known as Cyber Liability Insurance, provides coverage after the theft or loss of both first-party and third-party data. This means that, whether the data breach happens directly to your company or to a company whose data you are working with, you’re covered. If you would like a quote for this coverage, please indicate the amount.
When a data breach is experienced, there is often a large expense incurred by simply responding to the crisis through conducting proper Public Relations. If you would like coverage for this exposure, please indicate the amount.
An owner of a business has the option to exclude themselves from their Work Comp coverage and thus save some money on their premiums. If you would like to take this option, please list each owner, their annual payroll, and the type of work they are specifically engaged in (ie: office work, sales, in the field, etc.)
Please list each classification along with its corresponding payroll. For example, you may have a "server/waiter/waitress" classification for your servers with a corresponding payroll of $100,000, or a "chef/cook" classification for your kitchen staff with a payroll of $50,000.
This coverage provided by part 2 of the workers compensation policy provides coverage to the insured (employer) for liability to employees for work-related bodily injury or disease, other than liability imposed on the insured by a workers compensation law.
Please list the year, make, model, and VIN for each vehicle that you would like coverage for. Please also indicate which vehicles should have full coverage (collision & comp deductibles) and which should have liability only. Or, call the office at 219-213-2306 to send a PDF file over.
If your car is damaged or destroyed in an accident, collision insurance coverage will typically pay to fix or replace it. Types of covered accidents include hitting another car or hitting a stationary object, like a bridge or a tree.
With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.
Non-owned and hired automobile liability insurance covers bodily injury and property damage caused by a vehicle you hire (including rented or borrowed vehicles) or caused by non-owned vehicles (vehicles owned by others, including vehicles owned by your employees).
A business umbrella policy picks up where your business auto liability, general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage.
Is there anything else that you would like us to know?