Available Products
This list comprises all of our online products that can be added to your agent dashboard. Additional products will be added soon.
Artists, Crafters & Tradesmen - Annual
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $315 |
Business Activities Covered
Apparel, Art, Crafts, Drawings, Glass Blower, Home Decor, Jewelry, Leather Crafts, Painters (not for commercial painting companies), Paper Crafters, Pet Accessories, Photography, Pottery, Scrapbooking Products, Sculptors, Wood/Metal Crafts.
Policy Exclusions
- All Ingestible Food or Drink Products
- Any Product Requiring a Prescription
- Architecture or Design Professionals
- Art Galleries
- Artisan Contractors
- Beauty or Health Services that are provided by an insured for a fee
- Blacksmith Demonstrations
- Candles Including Liquid Fuel Gel or Wax Melts
- Chainsaw Carving Demonstrations
- Children's Furniture
- Children's Toys
- Commercial Painters
- Construction Operations
- Directing, hosting, organizing, planning, promoting, or sponsoring of a fair, festival, show, or similar event
- Drugs
- Disc Jockeys (DJs)
- E-Cigarettes and Smokeless Products
- Medical Equipment/Devices
- Medical Invasive Products Intended to Stay in the Body
- Murals
- Musicians
- Nutraceuticals
- Performing Artists
- Portrait Photography
- Pharmaceuticals
- Products Designed for Infants, Toddlers, or Children
- Retail Storefronts – Premises May Be Owned or Leased Mainly for Use for Working and Not for Retail Sales
- Saddles, Harnesses, or Horse Furnishings
- Salon or Spa Operations
- Sporting Goods/Equipment
- Tattoo Artists
- Theater or performing arts shows
- Three-Dimensional Installation Art
- Tobacco Related Products
- Topical Products such as Cosmetics, Lotions, or Soaps
- Vitamins, Supplements, or Suppositories
- Videographers
- Weapons, Knives, or Ammunition
- Weapon/Weapon Like Demonstrations or Audience Particiaption Activities
Artists, Crafters & Tradesmen - Event
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in your policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in your policy period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
EXCLUDED |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
EXCLDUED |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $59 |
Business Activities Covered
Apparel, Art, Crafts, Drawings, Glass Blower, Home Decor, Jewelry, Leather Crafts, Painters (not for commercial painting companies), Paper Crafters, Pet Accessories, Photography, Pottery, Scrapbooking Products, Sculptors, Wood/Metal Crafts.
Policy Exclusions
- Any Activity Involving Live Animals
- Any Activity Involving Motorized Equipment or Vehicles
- Cannabis Related Events
- Birthday Parties
- Blacksmith Demonstrations
- Chainsaw Carving Demonstrations
- Christmas Tree Lot
- Concerts
- Disc Jockeys (DJs)
- Directing, Hosting, Organizing, planning, promoting, or sponsoring a fair, festival, show, or similar event
- Martial Arts Events
- Medical Professionals
- Narcotic Related Events
- Performing Artists/Musicians
- Political Rallies, Demonstrations, or Events
- Pumpkin Patches
- Sporting Events
- Sales or Distribution of Narcotics
- Three-Dimensional Installation Artwork
- Weapon, Knife, and Ammunition Exposures
- Weapon/Weapon Like Demonstrations or Audience Participation Activities
Auditor Liability
Limits of Liability
| Professional & General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Professional & General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
INCLUDED |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
INCLUDED |
| Computer Network Security Coverage | INCLUDED |
Pricing
| Starting Price: | $599 |
Business Activities Covered
Environmental Management System Auditor, Food Safety Auditor, Water Quality Management Auditor, ISMS Auditor, Laboratory Assessors Auditor, QMS Auditor, Aerospace Auditor.
Policy Exclusions
- Accountants
- Architects
- Surveyors
- Health Care Providers
- Lawyers
- Insurance Agents or Brokers
- Real Estate Agents or Brokers
- Civil or Structural Engineers
- Safe Product Design Appraisers/Auditors
- Any risk with outside interests; i.e., work other than certified auditing
Beauty Products Insurance
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $1,250 |
Business Activities Covered
Air fresheners (non-aerosol), Apparel, Candles (No liquid fuel gel), Cleansers, Creams, Essential Oils, Hair Care Products, Lotion and Moisturizers, Topical Ointments, Serums, Hemp Products – Not ingestible and not containing cannabidiol (CBD), (Household Cleaning Products – 100% natural or organic; making up less than 50% of overall sales), Jewelry, Lipstick, Lip gloss, Makeup, Nail polish (Products containing Dibutyl Phthalate, Toluene, and Formaldehyde are not eligible), Perfume & Body Fragrances, Powders, Pre-Made Cosmetic and Skincare Bases, Oils and Materials, Skin Care Products – Baby and adult, Spa Supplies – No electrical products or furniture, Toiletries, Toners, (Tools and Accessories – Bags, brushes, mirrors, grooming supplies), (Topical Products for Animals like Shampoos, Ointments, etc.).
Policy Exclusions
- Alcoholic products
- Any product containing cannabidiol (CBD) with more than 0.3 percent THC
- Any product containing Talc
- Any product developed with or containing human stem cells or human stem cell media
- Drugs, medicines, or products requiring a prescription
- Formaldehyde or products containing formaldehyde
- Furniture
- Ingestible Hemp products
- Invasive Body Inks
- Invasive Products – intended to remain within the body
- Inversion Tables
- Nail Curing Lights
- Nutraceuticals
- Permanent Cosmetics
- Pharmaceuticals
- Plug-In Electrical Products
- Products that do not meet FDA “GRAS” guidelines - “Generally Recognized As Safe”
- Salon or Spa Operations
- Suppositories
- Tanning beds or equipment
- Testing or Demonstration of Products done on Employees
- Toys (except when sold in conjunction with an eligible beauty product)
- Vitamins or Supplements
Bodywork Insurance
Limits of Liability
| Professional & General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$3,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$3,000,000 |
| Professional & General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
INCLUDED |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $118 |
Business Activities Covered
Massage Therapist, Esthetician, Cosmetologist, Hair Stylist, Barber, Nail Tech, Reiki / Energy Worker, Lash Artist, Body / Face / Henna Painter, Aromatherapy, Animal Massage, Reflexology, Fitness Trainer, Teeth Whitening, Acupuncture
Policy Exclusions
- Training or application of micro-pigmentation, Black Henna
- Body piercing or permanent body art
- Laser treatments
- Surgical hair removal, hair implanting or hair transplanting
- Acupuncture (Optional Endorsement)
- Any procedure that punctures the skin (Optional Endorsement)
- Psychological or related treatment therapy
- The use of electrical or mechanical apparatus or device for massage therapy, including electric massage chair or vibration machines
- The use of any appliance, apparatus or device employing x-ray, electrical rays, radio waves or electronic waves
- Suntan beds or suntan booths
- The use of inversion tables
- Sale, service or application of wigs or toupees
- Removal or any attempt to remove warts, moles, or skin growths
- Ultrasonic cavitation machines
- Aqua therapy
- Skin needling
- Electrolysis
- Cupping (Optional Endorsement)
- Ear candling/coning
- Hypnosis
- Pole dancing, pole fitness, or exotic exercise
- Microblading
- Body branding
- Endermologie
- Flower essence or herbal therapy
- Gua sha
- Aerial yoga
- Prescription, sales, distribution, or administration of any narcotic, controlled substance, or prescription medicine
- Any operation that requires a medical license
- Diagnosing or failure to diagnose any disease or medical condition
- Manipulations or adjustments of the human skeletal structure
- The use of any product developed with or containing human stem cells or stem cell media
- Cryotherapy
- Recommendation, sales, distribution, or administration of any vitamins, supplements, or nutraceuticals
- Dietary or nutritional related work for hospitals, assisted living facilities, nursing homes, home health care providers, health clinics, schools, or professional sport teams
DJ Insurance - Annual
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $229 |
Business Activities Covered
Disk Jockey, Video Jockey, Wedding DJ, Karaoke Jockey
Policy Exclusions
- Any event or show that runs past 2:00am
- Any event or show at an exotic dance / adult entertainment venue
- Any event or show with exotic dancers / adult entertainers present
- Events or shows promoted as trance type music shows
- Fireworks or pyrotechnics of any kind
- Events or shows taking place at secret venues or abandoned warehouses
- Directing, hosting, organizing, planning, promoting, or sponsoring of any event or show
- Liquor Liability and Host Liquor Liability is not covered by this policy
- Raves or rave-like events or shows
- Squat parties
- Actor or actress when part of a larger production
- Fire handler
- Group acts or bands
- Hypnotist
- Performer putting on an athletic exhibition
- Performer using weapons
- Production / entertainment companies
- Public speaker
- Stunt performer
- Touring entertainer / performer
DJ Insurance - Event
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in your policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in your policy period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $75 |
Business Activities Covered
Disk Jockey, Video Jockey, Wedding DJ, Karaoke Jockey
Policy Exclusions
- Any event or show that runs past 2:00am
- Any event or show at an exotic dance / adult entertainment venue
- Any event or show with exotic dancers / adult entertainers present
- Events or shows promoted as trance type music shows
- Fireworks or pyrotechnics of any kind
- Events or shows taking place at secret venues or abandoned warehouses
- Directing, hosting, organizing, planning, promoting, or sponsoring of any event or show
- Liquor Liability and Host Liquor Liability is not covered by this policy
- Raves or rave-like events or shows
- Squat parties
- Actor or actress when part of a larger production
- Fire handler
- Group acts or bands
- Hypnotist
- Performer putting on an athletic exhibition
- Performer using weapons
- Production / entertainment companies
- Public speaker
- Stunt performer
- Touring entertainer / performer
Entertainers Insurance - Annual
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $235 |
Business Activities Covered
Balloon Artist, Clown, Comedian, Face/Body Painter, Fantasy Character (Princess, Superhero, Etc.), Impersonator, Holiday Character (Santa, Easter Bunny, Etc.), Magician, Musician/Band, Poet, Story Teller, Yodeler
Policy Exclusions
- Acrobatic/Aerialist performer
- Actor or actress when part of a larger production
- Activist Rallies, Marches or Literature Distribution
- Any and all Animals
- Any event or show that runs past 2:00am
- Any event or show at an exotic / adult venue
- Any event or show with exotic / adult dancers present
- Armed, Non-Armed or Private Security
- Boat Shows (on the water)
- Bonfires
- Cannabis Related Events
- Circuses or similar events
- Color or Foam Parties
- Concerts with Rap, Hip Hop, Heavy Metal, Ska, Punk, or similar types of music
- Cosmetologist/Beautician
- Escape artist
- Evangelistic Events with Faith Healing or Similar Activities
- Events with Known Attendance Prior to the Events Greater than 1,000 People
- Events or shows promoted as trance type music shows Events or shows taking place at secret venues
- Film Production
- Fire Dancers or Handlers
- Fireworks (Sparklers Acceptable)
- Fraternity Events
- Full Body Art or Painting
- Grad Night
- Group Performances or Bands with over 10 members
- Gun and/or Knife Shows
- Haunted Houses/Attractions
- Heads of State Events
- Henna/Mehndi Artists
- Hypnotist
- In or On Water Activities
- Jouster
- Mascots (College, high school, professional)
- Mechanical Amusement
- Devices, Including
- Mechanical Bulls & Similar Devices
- Models
- Mosh Pits
- Motorsports operated by or on behalf of any insured
- New Year’s Party (open to Public/not by invite only)
- Overnight Camping and Retreats
- Performer putting on an athletic exhibition
- Performer using weapons (with live ammunition or sharpened blades)
- Political Events or Rallies
- Production/entertainment companies
- Public speaker
- Pyrotechnic show, flash boxes, or laser light
- Rap, hip hop, electronic/techno or heavy metal/screamo
- Raves or Rave Like Events or Shows
- Record Signing's in Stores
- Rigging for entertainer, performer
- Slam Dancing
- Sorority Events
- Squat Parties
- Strength performer
- Stripper
- Stunt performer
- Throwing of object(s) into the audience during a performance
- Touring entertainer/performer or group
- Swimming and Pool Facilities
- Water Events
- Water Slides
Entertainers Insurance - Event
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in your policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in your policy period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $75 |
Business Activities Covered
Balloon Artist, Clown, Comedian, Face/Body Painter, Fantasy Character (Princess, Superhero, Etc.), Impersonator, Holiday Character (Santa, Easter Bunny, Etc.), Magician, Musician/Band, Poet, Story Teller, Yodeler
Policy Exclusions
- Acrobatic / Aerialist performer
- Actor or actress when part of a larger production
- Blacksmith Demonstrations
- Chainsaw Carving Demonstrations
- Circus performer
- Cosmetologist / Beautician
- Escape artist
- Event Organizer, Promoter, Host, Manager or similar operation
- Exotic dancer
- Fire handler
- Touring bands
- Henna / Mehndi artist
- Hypnotist
- Jouster
- Mascot
- Model
- Operations involving live animals
- Performer putting on an athletic exhibition
- Performer using weapons
- Permanent tattoo artist/body piercing artist
- Production/entertainment companies
- Public speaker
- Pyrotechnician
- Strength performer
- Stripper / Adult dancer or performer
- Stunt performer
- Touring entertainer / performer / band
- Weapon /Weapon Like Demonstrations
Food Liability
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $350 |
Business Activities Covered
Catering, Concessions, Food Truck, Farmers Market Vendor, Private / Personal Chef, Home-Based Baker, Food Manufacturer, Food Distributor, Food Trailer
Policy Exclusions
- Alcoholic beverages or products (includes serving, selling, or sub-contracting)
- Animal/Livestock feed (this does not include pet products)
- Any product requiring a prescription
- Any product containing Cannabidiol (CBD), Hemp, or Hemp extract
- Baby food
- Commercial farms owned or operated by the insured (your products sold away from the farm are okay)
- Companies/Operations not in compliance with county, state, and federal food and safety regulations
- Diet products or cleanses or pills marketed as a 'weight loss' product
- Energy drinks
- Grocery store or supermarket retail operations owned or operated by the insured
- Health coaching
- Importers - produce or dairy making up more than 20% of total sales
- Importers - seafood, meat, poultry
- Kava
- Kombucha
- Medical invasive products - intended to stay within body
- Nutraceuticals, vitamins, supplements, suppositories or products containing pharmaceuticals, drugs or medicines
- Nutrition consulting
- Owner or operator of a food court / storefront
- Restaurant, cafe, bakery, tavern, or similar establishment, with operations where you own or lease the space where customers enter to purchase food/beverages
- Tobacco related products including e-cigarettes and smokeless products
- Topical products including soaps, lotions, and bath products
General/Liquor Liability - Annual
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
| Liquor Liability - Aggregate Limit | $300,000 - $2,000,000 |
| Liquor Liability - Occurrence Limit | $100,000 - $1,000,000 |
| Assault and Battery Limit | $25,000 |
Pricing
| Starting Price: | $474 |
Business Activities Covered
Bartender, Caterer, Chef, Concessionaire
Ineligible Operations
- Risks that are located within these states: AL, VT, DC, AK, HI, IA, KY, NH, PA, WV
- Any event where the insured is promoting or sponsoring any entertainment
- Any risk that allows consumption of alcohol by employees, temporary workers, independent contractors, and volunteers during hours of employment
- No operations past 2 am
- Any risk that allow drinking games, drink incentives, all you can drink specials, complimentary drinks, BYOB, bottle service or self-service
Policy Exclusions
- BAR AND/OR TAVERN
- WINERY, BREWERY, DISTILLERY
- WHOLESALE DISTRIBUTOR
- COUNTRY CLUB
- PRIVATE/FRATERNAL CLUB
- RETAIL LIQUOR STORE
- CONVENIENCE STORE
- COMEDY CLUB
- DINNER THEATRE
- ADULT/STRIP CLUB
- NIGHTCLUB
- POOL/BILLIARD HALL
- BOWLING ALLEY
- RESTAURANT
- BANQUET/CATERING
General Liability Exclusions
- Alcoholic beverages or products (includes serving, selling, or sub-contracting - covered by liquor liability policy)
- Animal/Livestock feed (this does not include pet products)
- Any product requiring a prescription
- Baby food
- Commercial farms owned or operated by the insured (your products sold away from the farm are okay)
- Companies/Operations not in compliance with county, state, and federal food and safety regulations
- Diet products or cleanses or pills marketed as a 'weight loss' product
- Energy drinks
- Grocery store or supermarket retail operations owned or operated by the insured
- Health coaching
- Importers - produce or dairy making up more than 20% of total sales
- Importers - seafood, meat, poultry
- Kava
- Kombucha
- Medical invasive products - intended to stay within body
- Nutraceuticals, vitamins, supplements, suppositories or products containing pharmaceuticals, drugs or medicines
- Nutrition consulting
- Owner or operator of a food court / storefront
- Restaurant, cafe, bakery, tavern, or similar establishment, with operations where you own or lease the space where customers enter to purchase food/beverages
- Tobacco related products including e-cigarettes and smokeless products
- Topical products including soaps, lotions, and bath products
General/Liquor Liability - Event
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$100,000 |
| Liquor Liability - Aggregate Limit | $300,000 - $2,000,000 |
| Liquor Liability - Occurrence Limit | $100,000 - $1,000,000 |
Pricing
| Starting Price: | $178 |
Business Activities Covered
Bartender
Ineligible Operations
- Risks that are located within these states: AL, VT, DC, AK, HI, IA, KY, NH, PA, WV
- Any event where the insured is promoting or sponsoring any entertainment
- Any risk that allows consumption of alcohol by employees, temporary workers, independent contractors, and volunteers during hours of employment
- No operations past 2 am
- Any risk that allow drinking games, drink incentives, all you can drink specials, complimentary drinks, BYOB, bottle service or self-service
Policy Exclusions
- BAR AND/OR TAVERN
- WINERY, BREWERY, DISTILLERY
- WHOLESALE DISTRIBUTOR
- COUNTRY CLUB
- PRIVATE/FRATERNAL CLUB
- RETAIL LIQUOR STORE
- CONVENIENCE STORE
- COMEDY CLUB
- DINNER THEATRE
- ADULT/STRIP CLUB
- NIGHTCLUB
- POOL/BILLIARD HALL
- BOWLING ALLEY
- RESTAURANT
- BANQUET/CATERING
General Liability Exclusions
- Alcoholic beverages or products (includes serving, selling, or sub-contracting - covered by liquor liability policy)
- Animal/Livestock feed (this does not include pet products)
- Any product requiring a prescription
- Baby food
- Commercial farms owned or operated by the insured (your products sold away from the farm are okay)
- Companies/Operations not in compliance with county, state, and federal food and safety regulations
- Diet products or cleanses or pills marketed as a 'weight loss' product
- Energy drinks
- Grocery store or supermarket retail operations owned or operated by the insured
- Health coaching
- Importers - produce or dairy making up more than 20% of total sales
- Importers - seafood, meat, poultry
- Kava
- Kombucha
- Medical invasive products - intended to stay within body
- Nutraceuticals, vitamins, supplements, suppositories or products containing pharmaceuticals, drugs or medicines
- Nutrition consulting
- Owner or operator of a food court / storefront
- Restaurant, cafe, bakery, tavern, or similar establishment, with operations where you own or lease the space where customers enter to purchase food/beverages
- Tobacco related products including e-cigarettes and smokeless products
- Topical products including soaps, lotions, and bath products
Janitorial Insurance
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$300,000 - $2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$300,000 - $2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$100,000 - $1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$100,000 - $1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$100,000 |
Pricing
| Starting Price: | $495 |
Business Activities Covered
Janitors, Cleaners, Maids, Housekeeping Cleaners, Building/Office Cleaning
Ineligible Operations
- Industrial cleaning; cleaning machinery, chemicals and other industrial solvents
- More than 30% of total operations are dedicated to floor waxing
- Any property management conducted
- Pet grooming and care
Excluded Operations
- Exterior work over three stories or >30 feet off the ground
- Operations or work involving scaffolding
- Operations on or arising from any facility that conducts: Air, auto or train travel or services; healthcare or allied healthcare services or housing; product manufacturing, warehousing or retail shopping; school buildings or dormitories; other mass housing facilities such as hotels and motels. However, this exclusion does not apply to offices contained within such facilities as long as those offices are not accessible by the public.
- Operation including cleaning of locations (other than personal residences) open 24 hours a day
- Insurance claim response, water removal/extraction, mold remediation, fire, smoke, flood or other disaster services
- Operations or work involving vents, ducts, hoods, filters and automatic extinguishing systems
- Operations or work that include handyman or construction services
- Construction, maintenance, repair, renovation, or property preservation services
- Operations involving construction debris removal
- Cleaning of exterior of buildings and/or power washing other than from the ground level
- Sandblasting Services
- Landscaping, lawn maintenance, gutter cleaning, power sweeping, snow removal, or interior painting
- Operations or work involving the handling of infectious waste or hazardous material
- Operations or work at hospitals, medical or dental offices
- Auto, boat, or vehicle cleaning or detailing
- Chimney cleaning
- Clean room cleaning
- Laboratory Cleaning
- Laundry or dry-cleaning services
Lawn Care Insurance
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$1,000,000 - $2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$1,000,000 - $2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$500,000 - $1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$500,000 - $1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $445 |
Business Activities Covered
Lawn Mowers, Grounds Keepers, Landscape Gardeners, Lawn Maintenance, Raking Leaves, Trimming shrubs and small trees from ground up, Replacement of shrubs and small trees, flowers and rock or brick edging, Gutter cleaning and/or hanging Christmas lights not exceeding two stories in height.
Policy Exclusions
- Design operations and landscape architecture
- Any operations that include the handling of infectious waste or hazardous material
- New irrigation/sprinkler installation (No sprinkler operations except for incidental damage repair)
- Landscaping; the process of making land more attractive by altering the existing design, adding rock and/or water features, grading of land, altering the contours of the land
- Swimming Pool or Pond installation or maintenance
- Retaining walls, land preservation or erosion control
- Hardscaping
- Snow & Ice removal
- Any exposure exceeding 2-story in height
- Use or application of any Pesticide or Herbicide not available over the counter to the general public
- Work performed by a certified arborist or a tree care technician
- Tree removal
- Stump grinding or removal
- Tree trimming conducted other than from the “ground up” * The use of walls, ladders, roofs, scaffolding, hoisting equipment, etc. is not considered from the ground up
- Inspection, Appraisal or Surveying
- Planning and designing the development of land areas for projects, such as parks and other recreational areas; airports; highways; hospitals; schools; land subdivisions; and commercial, industrial, and residential areas
- Any insured that has been cancelled or non-renewed in the past 3 years
- Any insured that has had any claims exceeding $5,000
Liquor Liability - Annual
Limits of Liability
| Liquor Liability - Aggregate Limit | $300,000 - $2,000,000 |
| Liquor Liability - Occurrence Limit | $100,000 - $1,000,000 |
| Assault and Battery Limit | $25,000 |
Pricing
| Starting Price: | $239 |
Business Activities Covered
Bartenders, Caterers, Concessionaires, Chefs
Ineligible Operations
- Risks that are located within these states: AL, VT, DC, AK, HI, IA, KY, NH, PA, WV
- Any event where the insured is promoting or sponsoring any entertainment
- Any risk that allows consumption of alcohol by employees, temporary workers, independent contractors, and volunteers during hours of employment
- No operations past 2 am
- Any risk that allow drinking games, drink incentives, all you can drink specials, complimentary drinks, BYOB, bottle service or self-service
Policy Exclusions
- BAR AND/OR TAVERN
- WINERY, BREWERY, DISTILLERY
- WHOLESALE DISTRIBUTOR
- COUNTRY CLUB
- PRIVATE/FRATERNAL CLUB
- RETAIL LIQUOR STORE
- CONVENIENCE STORE
- COMEDY CLUB
- DINNER THEATRE
- ADULT/STRIP CLUB
- NIGHTCLUB
- POOL/BILLIARD HALL
- BOWLING ALLEY
- RESTAURANT
- BANQUET/CATERING
Liquor Liability - Event
Limits of Liability
| Liquor Liability - Aggregate Limit | $300,000 - $2,000,000 |
| Liquor Liability - Occurrence Limit | $100,000 - $1,000,000 |
Pricing
| Starting Price: | $118 |
Business Activities Covered
Bartenders, Caterers, Concessionaires, Chefs
Ineligible Operations
- Risks that are located within these states: AL, VT, DC, AK, HI, IA, KY, NH, PA, WV
- Any event where the insured is promoting or sponsoring any entertainment
- Any risk that allows consumption of alcohol by employees, temporary workers, independent contractors, and volunteers during hours of employment
- No operations past 2 am
- Any risk that allow drinking games, drink incentives, all you can drink specials, complimentary drinks, BYOB, bottle service or self-service
Policy Exclusions
- BAR AND/OR TAVERN
- WINERY, BREWERY, DISTILLERY
- WHOLESALE DISTRIBUTOR
- COUNTRY CLUB
- PRIVATE/FRATERNAL CLUB
- RETAIL LIQUOR STORE
- CONVENIENCE STORE
- COMEDY CLUB
- DINNER THEATRE
- ADULT/STRIP CLUB
- NIGHTCLUB
- POOL/BILLIARD HALL
- BOWLING ALLEY
- RESTAURANT
- BANQUET/CATERING
Personal Trainer Insurance
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$3,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$3,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
INCLUDED |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $155 |
Business Activities Covered
Personal Trainer, Yoga Instructor, Dance Instructor, Pilates Instructor, Crossfit Trainer, Online Fitness Instructor
Policy Exclusions
- Training or application of micro-pigmentation, Black Henna
- Body piercing or permanent body art
- Laser treatments
- Surgical hair removal, hair implanting or hair transplanting
- Acupuncture
- Any procedure that punctures the skin
- Psychological or related treatment therapy
- The use of electrical or mechanical apparatus or device for massage therapy, including electric massage chair or vibration machines
- The use of any appliance, apparatus or device employing x-ray, electrical rays, radio waves or electronic waves
- Suntan beds or suntan booths
- The use of inversion tables
- Sale, service or application of wigs or toupees
- Removal or any attempt to remove warts, moles, or skin growths
- Ultrasonic cavitation machines
- Aqua therapy
- Skin needling
- Electrolysis
- Cupping
- Ear candling/coning
- Hypnosis
- Pole dancing, pole fitness, or exotic exercise
- Microblading
- Body branding
- Endermologie
- Flower essence or herbal therapy
- Gua sha
- Aerial yoga
- Prescription, sales, distribution, or administration of any narcotic, controlled substance, or prescription medicine
- Any operation that requires a medical license
- Diagnosing or failure to diagnose any disease or medical condition
- Manipulations or adjustments of the human skeletal structure
- The use of any product developed with or containing human stem cells or stem cell media
- Cryotherapy
- Recommendation, sales, distribution, or administration of any vitamins, supplements, or nutraceuticals
- Dietary or nutritional related work for hospitals, assisted living facilities, nursing homes, home health care providers, health clinics, schools, or professional sport teams
Pet Care Insurance
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$100,000 |
Pricing
| Starting Price: | $159 |
Business Activities Covered
Pet Sitting, Pet Grooming, Dog Walker, Pet Trainer, Pet Waste Removal
Policy Exclusions
- Training of any guard dogs, service or medical animals, protection dogs, attack dogs, fighting dogs or police dogs
- Pet/Dog Kennels – We may provide coverage but exclude all “kennel” operations
- Breeders – We may provide coverage but exclude all “breeding” operations
- Long Term Pet/Dog Boarding –Risk that provide services to any animals that are not domestic animals
- Accounts with sales exceeding $100,000 per year
- Day Care - No more than 10 pets at any one time and no more than five pets stay over on a single night. Any risk with more than five pets staying over on a single night will be considered a kennel.
- Pet taxi operations transporting more than 5 animals at any one time.
Photography/Videography Insurance - Annual
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
INCLUDED |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $179 |
Business Activities Covered
Photographer, Videographer, Wedding Photographer, Wedding Videographer
Policy Exclusions
- Anyone currently, or in the past, that has performed any work that would be viewed as adult material
- Anyone currently, or in the past, that has performed any work that would be considered paparazzi
- Any insured that has had any complaints, claims or lawsuits in the past 5 years involving matters of privacy breach, identity theft, libel or other personal or advertising issues
- Any insured that has been cancelled or non-renewed in the past 3 years
- Any insured that has had any claims exceeding $5,000
- Drone coverage
Photography/Videography Insurance - Event
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
EXCLUDED |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
$1,000,000 |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
Pricing
| Starting Price: | $75 |
Business Activities Covered
Photographer, Videographer, Wedding Photographer, Wedding Videographer
Policy Exclusions
- Anyone currently, or in the past, that has performed any work that would be viewed as adult material
- Anyone currently, or in the past, that has performed any work that would be considered paparazzi
- Any insured that has had any complaints, claims or lawsuits in the past 5 years involving matters of privacy breach, identity theft, libel or other personal or advertising issues
- Any insured that has been cancelled or non-renewed in the past 3 years
- Any insured that has had any claims exceeding $5,000
- Drone coverage
Tutor & Instructor Insurance
Limits of Liability
| General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services. |
$2,000,000 |
| Products-Completed Operations Aggregate Limit
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned. |
$2,000,000 |
| General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services. |
$1,000,000 |
| Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: |
INCLUDED |
| Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. |
$300,000 |
| Professional Liability - Aggregate
The most the policy will pay for liability coverage designed to protect against liability incurred as a result of errors and omissions in performing your professional services. |
$250,000 |
| Professional Liability - Occurrence
The most the policy will pay for liability coverage designed to protect against liability incurred as a result of errors and omissions in performing your professional services. |
$250,000 |
Pricing
| Starting Price: | $119 |
Business Activities Covered
Elementary Education, Secondary Education, Community Interest, ACT/SAT/GED, State Graduation Exams, College Level Tutoring, Professional/Occupational Development, Professional Continuing Education, Sales & Marketing
Coverages Not Included
- Assault and Battery
- Abuse and Molestation
- Business Personal Property
- Corporal Punishment
- Medical Malpractice
Policy Exclusions
- Public or Private Educational Institutions, their board members and/or owners
- Charter Schools
- Primary and Secondary Schools
- Colleges, Universities, Vocational or Trade Schools
- Animal care, service or training
- Architecture or engineering
- Aviation/drone UMA
- Transportation related training, including Behind the wheel training
- Drivers Education
- Cooking or food preparation
- Construction management
- Artisan Trade training
- Daycare or childcare
- Fitness
- Law enforcement, including school resource officers
- Medical Professional, including School nurses, therapist and counselors
- Life Coaches
- Safety/OSHA
- Security guards
- Gun/weapons safety or concealed carry courses
- Welding & wood burning instruction
- Glass blowing
- Furniture making
- Religious Instruction
- Carpentry, wood carving or instruction on power tools
- Heavy Aesthetic (medispa type treatments such as online instruction for peels, or laser devices, or injectables)