Protect Both Your Client's Business and Personal Assets
  1. Minimum premium $350 for 1st Million and $250 per
    Million for increased limits.
  2. Up to a $10,000,000 Limit available.
  3. Stores up to $3.5 million receipts for mercantile
    (main street/low hazard link). @ $30 per $ 100,000 in sales.
  4. Commercial rentals up to 25,000 sq. ft. for lessor’s risk
    (offices, shopping centers etc.) @ $15 per 1000 sq. ft.
  5. Professional offices up to 30,000 sq. ft. for office occupancy (most professions are eligible) @ $33 per 1000 sq. ft.
  6. Residential Rentals up to 55 units for habitation risks
    (apartments) @ $18 per unit.
  7. Auto up to 5 private passenger vehicles light trucks, no more
    that one commercial type vehicle. Auto primary minimum
    underlying 250/500/100 or $1,000,000 CSL if commercial use.
  8. Direct bill renewal. New business is agency or direct bill
    at your option.
  9. A+ XV admitted carrier.
  10. Primary coverage must be with B+ V admitted or non-admitted.

BIG Umbrella’s commercial option is only available
as part of a personal umbrella policy.
Only available in California at this time.

To Apply Now
Click Here

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(800) 234-6977
AMONG THE MANY TYPES OF STORES AND BUSINESS WE CAN WRITE ARE:

  • Antique Stores

  • Aquarium Sales & Supplies

  • Art Galleries

  • Artist Supplies

  • Audio/Visual Equipment - Service/repair < 25%
    of total sales

  • Bath Shops

  • Barber Shop/Beauty Shops/Hair Salons - Exclude Professional Liability. Hair transplant, reducing, tanning, massage, tattooing are ineligible operations. Only 10 or fewer operators per location. No repackaging of cosmetics. Nail shops are ineligible (incidental manicurist acceptable)

  • Beauty Supply Stores - No repackaging, mixing or modifying products

  • Beverage Shops - No liquor

  • Blankets/Bedspreads

  • Bookbinding/Printing Supplies

  • Books/Magazines - Comic books or sports card sales < 10%

  • Bric-a-brac Stores

  • Bridal Gowns

  • Camera Equipment/Supplies

  • Cards - Greeting

  • Clothing Stores - Clothing manufacturing ineligible

  • Coffee, Tea, Spices

  • Coin & Stamp Dealers

  • Ceramics, Pottery, China

  • Clocks

  • Dairy Products - Farm operations ineligible

  • Delicatessens - Liquor sales limited to 25% of total sales (No delivery service)

  • Fruit & Vegetable Stores

  • Five & Dime Stores

  • Gift Shops

 

  • Golf Equipment Stores - Cart rentals ineligible

  • Graphic Arts/Graphic Designers

  • Greenhouses

  • Hearing Aid Stores - Professional Liability
       excluded

  • Hobby & Model Stores

  • Ice Cream Stores

  • Jewelry Stores/Distributors

  • Juices & Syrups - No relabeling or repackaging

  • Kitchen Accessory Stores

  • Ladies Lingerie

  • Lamp Shops

  • Laundries - Self-service acceptable if fully attended and closed by 10:00 p.m. (no drycleaners)

  • Leather Goods

  • Lithographing

  • Mailing & Address Companies

  • Musical Instruments

  • Notions

  • Office Machines, Equipment & Supplies - Repair/Service < 25% of receipts.

  • Optical Goods

  • Packaging Stores

  • Painting or Pictures

  • Piano Stores

  • Picture Frames

  • Plant Stores

  • Shoe Stores/Distributors

  • Silk Flowers/Plants

  • Taxidermist

  • Trophy Stores/Supplies

  • Tuxedo Stores

  • PLUS MANY MORE
AMONG THE PROFESSIONS WE CAN WRITE ARE:
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  • Accounting

  • Dentists

  • Doctors

  • Insurance Agents and Brokers

  

  • Lawyers

  • Real Estate Agents

  • Veterinarians

  • PLUS MANY MORE
Professional Liability excluded from all classes

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(800) 234-6977
California License #0323106

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