GROCERY/CONVENIENCE STORE

PROGRAM GUIDE - ELIGIBILITY and REQUIREMENTS: The Program is designed to cover grocery stores/ convenience stores selling food and miscellaneous household supplies.

Delicatessen Liability Insurance provides coverages for businesses that sell sandwiches, salads and soups. This type of business must have limited cooking appliances using mainly ovens and microwaves. Consumption of food on premises will be rated on our Restaurant Program.

Coverage Available as:
Commercial Package Policy or Monoline Commercial General Liability

Building - Business Personal Property coverage - Commercial General Liability coverage

Application

USE: Convenience, Delicatessen and Grocery Stores - GIC Convenience

Property Limits

MAXIMUM Property Limits Including WINDSTORM OR HAIL

THE MAXIMUM AVAILABLE LIMIT on any one risk, for all Section I exposures, with WIND OR HAIL is $1,250,000. This includes coverages for ALL Buildings, Your Business Personal Property and Business Income.

MAXIMUM Property Limits Excluding WINDSTORM OR HAIL

THE MAXIMUM AVAILABLE LIMIT on any one risk, for all Section I exposures, excluding WIND OR HAIL is $1,250,000. This includes coverages for ALL Buildings, Your Business Personal Property and Business Income.

AGE CRITERIA FOR BUILDINGS

Coverage for buildings over 50 years old will be unacceptable, unless an evidence of updates for heating, cooling, electrical and plumbing systems are included with submission.

ROOF AGE CRITERIA FOR BUILDINGS WITH WIND COVERAGE

Buildings over 25 years old- Evidence of roof replacement will be required upon binding.
Acceptable evidence: Roofing permit.

EQUIPMENT BREAKDOWN COVERAGE INCLUDED

Every policy covering property (Buildings or BPP or both) automatically includes coverage for damage caused by such perils as artificially generated electrical current, mechanical breakdown, pressure equipment losses and more.

The following is just a sample of the type equipment that can be protected by equipment breakdown coverage:

• Heating and air conditioning units
• Refrigeration units
• Computers
• Communication equipment
• Emergency Generators
• Diagnostic equipment
• Electronic equipment

General Liability

Maximum Coverage Limits:

• $1,000,000 Each Occurrence
• $2,000,000 General Aggregate
• $1,000,000 Products and Completed Operations Aggregate
• $100,000 Damage to Premises Rented to You (Fire Damage) –Any one Premises
• Medical Expense - Not available

Class Codes

• Grocery Store     Rating Basis - Sales- $300,000 Minimum
• Restaurant/Deli     Rating Basis - Sales

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