Product AdvantagesBusinessowners coverage form availabilityNon-Owned and Hire coverage availableNo coinsurance clauseAvailable equipment breakdown coverageEmployee dishonesty up to $25,000Business income actual loss sustained basis for 12 months up to the limitCrime coverage availableEligibility CriteriaRisks up to 20,000 sq ftRisk open 24 hoursRisks that have up to 4 apartmentsOff premises consumption onlyNo liquor citations or violations in the past 5 yearsNo more than two claims / losses in the past three yearsRisks with fully functioning smoke / heat detectors in all units / occupanciesRisks that do not have security guards or firearms on the premisesNew venturesRisks with 100% of wiring on circuit breakersIneligible RisksRisks with annual sales over $3,000,000Risk that directly import, manufacture, or sell products under the applicant's name or labelRisks with commercial cooking operationsRental operations other than kegs and tapsOperation involving hazardous / pollution exposureRisks with aluminum or know in tube wiringPlanned renovation / construction during our policy termRisks with existing tax liensRisks having any prior felony convictionRisks with prior, existing, or pending backruptcy in the past 5 yearsRisks located in Alaska or LouisianaAvailable LimitsProperty maximum of $3,000,000GL $1,000,000 / $2,000,000Liquor liability $1,000,000 / $2,000,000Additional capacity available via commercial umbrella to $5,000,000 per occurrenceSubmission RequirementsOur completed application signed by the insured to bind coverageAcord 125Representation of losses for prior 3 years or as long as the applicant has been in business if less than 3 years
Toll Free Fax: (888)335-6615
E-mail: service@braishfield.com
