About This Coverage

Small business owners can purchase a monoline or General Liability package for a wide variety of operations.

State Eligibility


Eligible State

State Not Available

Industries Available


  • Retail Trade

Coverage Limits


Up To

$4M

Minimums


Key Features


  • Max GL Limit $1,000,000/$2,000,000
  • Business Income coverage offered on an Actual Loss Sustained basis
  • Package coverage form that automatically includes over 15 unique coverage enhancements
  • Up to $5,000,000 in total Property Values
  • Addition of nine new eligible classes
  • Ability to offer Professional Liability for specific classes - now including Beauty Salons
  • Up to $6,000,000 in annual sales

Preferred Classes


  • Accounting Offices
  • Barber Shops
  • Beauty Salons
  • Bookbinding
  • Bookkeepers
  • Bookstores
  • Camera and Photographic Equipment Stores
  • Cosmetic, Hair or Skin Preparation Stores
  • Dentist Offices
  • Employment Agencies
  • Florists
  • Funeral Homes
  • Gift Shops
  • Health or Natural Food Stores
  • Insurance Agencies
  • Law Offices
  • Medical Offices
  • Opticians
  • Photographers
  • Real Estate Agencies
  • Shoe Repair
  • Stores NOC - Food or Drink (referral)
  • Stores NOC - No Food or Drink (referral)
  • Taxicab companies (no HNOA offered)
  • Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing or Silk Screening - new goods

Restricted Classes


Eligible Vehicle Types


Trucks

Trailers

Vans & PPVs

Liability Coverages


Underwriting Guidelines


Additional Coverage Options


Submission Requirements


  • ACORD Application, fully completed and signed
  • Supplemental Application
  • 3-5 Years of Loss Runs
  • Send submissions to quotes@ospreyuw.com