Available Small Business Programs

Please CALL 1866 924-3274 for more INFO regarding programs below.

• Apartment Pac & Apartment Pac Plus
• Building Pac & Building Pac Plus
• Business Pac & Business Pac Plus
• Condominium Pac Condominium Pac Plus
• Contractors Pac
• Food Products Manufacturers Supplemental
• Garage Pac
• Manufacturers Pac Plus
• Office Pac & Office Pac Plus
• Religious Pac
• Restaurant Pac & Restaurant Pac Plus
• Store Pac & Store Pac Plus
• Wholesalers Pac Plus

 

General Eligibility Guidelines

• The owner must have a minimum of three years management experience in the type of business being insured.
• The business must be financially stable.
• The business must have favorable loss experience.
• The owner operates only those businesses described on the Master Pac application.
• All the known exposures/operations are considered typical (occurring in the majority) for the class.
• Buildings insured must not be vacant, unoccupied or have a seasonal occupancy.
• For both tenants and building owners, where buildings are 50 years or older, the plumbing, heating, wiring, and roof must have been updated in the past 30 years.
• There are no current cited violations of fire or life safety codes.
• All operations must be listed in the Risk Classification Table, and the premium for incidental exposures should not exceed 25% of the policy premium.
• No more than 3 losses within the past 3 years.
• Current owners must have successfully operated this or a similar business for at least 3 years. EXCEPTION: Apartment, Building Owners and Condominium programs and risks that are franchises.
• Sound financial condition.
• Insurance to value.

 

Questions

If you have a question, please contact us at 1866 924-3274.