Equipment Policies
Nuts & Bolts: Britt Paulk Insurance Agency Inc. is offering an equipment policy program that includes agriculture, forestry, construction and lawn and garden. The coverage is first party physical damage for contractors’ equipment. Classes include contractors, agricultural, forestry, cranes, wood yard/sawmill, utility, lawn and garden. Coverage, physical damage.
Dollars: Commission varies. Deductible is $500 and minimum premium is $400.
Carrier: Britt Paulk Insurance Agency Inc.
States: All except Hawaii.
Contact: Jeff Vaughn (770) 214-7603 or jeff.vaughn @brittpaulk.com.
Restaurants
Nuts & Bolts: Abram Interstate Insurance Services Inc. in Rocklin, Calif., is offering a new program providing coverage for restaurants including bars, beer pubs or taverns with or without table service or entertainment. Live entertainment may be acceptable. Assault and battery coverage may be provided for certain restaurants. Package coverage includes general liability, inland marine, crime and property. Brokerage agreement is required.
Dollars: General liability limits are $5 million, property limits are $10 million.
Carrier: Admitted in Arizona; nonadmitted in California.
States: Arizona and California
Contact: Kathleen Henderson (916) 780-7000, kathleen@abraminterstate.com.
Bed & Breakfast
Nuts & Bolts: Markel’s bed and breakfast program is tailored to fit the needs of B&Bs and country inns, with specialized coverages such as guests’ inconvenience expenses and historic buildings. The program targets B&Bs with a minimum of five rooms and country inns with 25 or fewer rooms. Additional premium for services such as catering, hiking and saddle animals can be considered.
Dollars: Limits are $1 million to $10 million. Property limits may vary. Personal liability is offered with $1 million limits on general liability and up to $2 million on the umbrella. Higher deductibles may be required, depending on values and susceptibility to wind and other catastrophic exposures.
Carrier: Rated “A” by A.M. Best. Admitted.
States: All except Alaska, Hawaii & D.C.
Contact: Heather White (800) 431-1270, hwhite@markelcorp.com.
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