Product AdvantagesAbility to add liquor liability in most statesAbility to add assault & battery to most risksAvailability of equipment breakdown coverageNo liability deductibleEligibility CriteriaGross reciepts do not exceed $5,000,000Live entertainment subject to no pyrotechnic displaysNew venturesAll cooking areas have approved automatic extinguishing systemsIneligible RisksRisks with off duty police officers, armed security guards or firearms on the premisesAny mechanical riding devices, moon bounces, trmapolines, rock walls or foam machinesRisks serving alcohol past the legally allowable timeBuilding without at least two means of egress from any floor having public accessBankruptcy by the application in the past five yearsAluminum wiring, knob in tube wiring, and not 100% on circuit breakersAny risk without fully functioning smoke detectors in alll public areasAny risk sponsoring "Teen" or "Under 21" nights or permit patrons under age 21 in a bar area after 10 pmRisks with plumbing not completely PVC or copperAny prior felony conviction for arsonRisks with a smoker or barbeque pit within 20 feet of any building on in building, some self contained units are acceptableRisks without in force cleaing contracts for cooking equipmentRisks in Alaska or LouisianaAvailable LimitsProperty $600,000 maximum limitsGeneral liability $1,000,000 occurrence / $2,000,000 aggregateLiquor liability available to $1,000,000 / $2,000,000Up to $5,000,000 commercial umbrella availableSubmission RequirementsOur completed application, signed by insured in order to bindRepresentation of losses for the past 3 years or as long as the applicant has been in business if less than 3 yearsAcord 125
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