Habitational Mercantile General Liability Program Quick Reference Guide

(1)

FedNat Underwriters

14050 N.W. 14 Street, Suite 180 | Sunrise, Florida 33323 | Phone: (800) 293-2532 | Fax: (954) 308-1261 | E-mail: [email protected] FedNat.com

Habitational Mercantile General Liability Program

Quick Reference Guide

Quote, Rate Bind, Complete Apps, Endorse, & Get Policy

And Certificates Immediately ONLINE

Admitted Carrier/Competitive Commission/Easy Renewal Process

Subject to underwriting approval and rating by ONLINE system

NO FLAT CANCELLATIONS

Program Highlights

Waivers of Subrogation - no approval required

Low minimum premiums

300+ GL class codes

Blanket additional Insured - $150.00

Upon request Artisan and Habitational Mercantile

classes on one policy – Artisan minimum

premiums will apply

Primary / Non-Contributory language

endorsement

New Ventures

DISCOUNTS

DEDUCTIBLE

●

Renewal

$250 per claim (Property Damage)

●

Prior Coverage

●

Claims Free

RATE/QUOTE/BIND/POLICY ISSUANCE PROCEDURES:

Log into FedNat.com and click on Point of Sale. Then click on Habitational Mercantile General Liability

to rate / quote / bind / issue policy.

Additional underwriting information requested may include:



Picture ( if required)



Inspection Report (if required)



Loss Runs – on risks which develop a premium over $5,000 or at Company’s request

CERTIFICATES OF INSURANCE:

Certificates are generated through the online rating system. Any Certificate requiring special language

must be sent to the Company for prior approval. Certificates may not be used to alter any agreements

or clauses from that which appears in the policy. The Written Notice of Cancellation must state ten (10)

days, unless otherwise requested by the certificate holder and approved by the Company.

CLAIMS PROCEDURES

Report a claim by calling (800) 293-2532. Any claim information can be e-mailed or faxed to:

Fax #: (888) 366-0224 Email: [email protected]

GENERAL LIABILITY - LIMITS OF INSURANCE

Maximum Limits

$1,000,000

Each Occurrence Limit

$2,000,000

General Aggregate Limit

$2,000,000

Products - Completed Operations Aggregate Limit

$1,000,000

Personal Injury and Advertising Liability

$100,000

Fire Damage Legal Liability

(2)

ACCEPTABLE RISKS:

Advertising Sign Companies - outdoor 90089 Air Conditioning Equipment - dealers or

distributors only 10010

Antique Stores 10026

Apartment Buildings or Hotels time-sharing - 4

stories or more - SUBMIT 60013

Apartment Buildings or Hotels time-sharing -

less than 4 stories - SUBMIT 60012 Apartment Hotels - 4 stories or more - SUBMIT 60016 Apartment Hotels - less than 4 stories - SUBMIT 60015 Appliance Distributors - household type 10040 Appliance Stores - household type 10042

Army and Navy Stores 10060

Art Galleries - Not-For-Profit only 10066 Art Galleries - Other than Not-For-Profit 10065 Auctioneers - sales conducted away from the

insured's premises 91177

Automobile Dismantling - SUBMIT 91190 Automobile Parts and Supplies Distributors -

SUBMIT 10070

Automobile Parts and Supplies Stores - SUBMIT 10071 Automobile Renting or Leasing Companies -

SUBMIT 60035

Bakeries 10100

Bakery Plants 51315

Barber or Beauty Shop Supplies Distributors 10111

Barber Shops 10113

Bars and Taverns – SUBMIT Refer to Restaurants

Bazaars - operated by the insured -

Not-For-Profit only - SUBMIT 10132

Bazaars - operated by the insured - Other than

Not-For-Profit - SUBMIT 10130

Beach Chairs and Umbrellas - rented to others 10133 Beauty Parlors and Hair Styling Salons 10115

Bed and Breakfasts 45210

Beverage Distributors - alcoholic other than beer 10140 Beverage Distributors - nonalcoholic and beer 10141 Bicycle Stores - sales and servicing 10150 Bingo Games - in public halls or theaters -

commercially operated 40075

Blacksmithing 91200

Bookbinding - Not-For-Profit only 51517 Bookbinding - Other than Not-For-Profit 51516 Books and Magazines Stores - Not-For-Profit

only 10205

Books and Magazines Stores - Other than

Not-For-Profit 10204

Bowling Lanes - SUBMIT 10220

Boxes or Containers Mfg. – corrugated or

fiberboard 51575

Building Material Dealers - other than

secondhand material 10255

Building Material Dealers - secondhand material 10256 Building Material Distributors 10257 Buildings or Premises - bank and other financial

institutions 61223

Buildings or Premises - bank or office -

mercantile or manufacturing (lessor's risk only) -

maintained by the insured - Not-For-Profit only 61218

mercantile or manufacturing (lessor's risk only) - maintained by the insured - Other than Not-For-Profit

61217 Buildings or Premises - bank or office -

Not-For-Profit only 61216

Other than Not-For-Profit 61212

Buildings or Premises - office - Not-For-Profit

only 61227

Buildings or Premises - office - Other than

Buildings or Premises - office - premises occupied by employees of the insured -

Buildings or Premises - office - premises occupied by employees of the insured - Other

than Not-For-Profit 61224

Camera and Photographic Equipment Stores 10309 Campgrounds - Not-For-Profit only - SUBMIT 10332 Campgrounds - Other than Not-For-Profit -

SUBMIT 10331

Candy or Confectionery Stores 10352 Car Washes - other than self-service 10367

Car Washes - self-service 10368

Carpet, Rug or Upholstery Cleaning - shop only 11007 Catalog or Premium Coupon Redemption Stores 11020

Caterers 11039

Cemeteries - Not-For-Profit only - SUBMIT 41604 Cemeteries - Other than Not-For-Profit -

SUBMIT 41603

Chairs - rented to others 11052

Churches or Other Houses of Worship 41650

Clay or Shale Digging 91507

Clock Mfg. 51889

Clothing Mfg. 51896

Clothing or Wearing Apparel Distributors 11126 Clothing or Wearing Apparel Stores -

Clothing or Wearing Apparel Stores - Other than

Clubs - civic, service or social - having buildings or premises owned or leased - Not-For-Profit

only 41668

Clubs - civic, service or social - having buildings or premises owned or leased - Other than

Clubs - civic, service or social - no buildings or premises owned or leased except for office

purposes - Not-For-Profit only 41670 Clubs - civic, service or social - no buildings or

premises owned or leased except for office

purposes - Other than Not-For-Profit 41669 Clubs - country or golf - SUBMIT 11138 Clubs – racket sports and handball 41665 Collectibles and Memorabilia Stores 11155 Computer Consulting or Programming 41675 Computer Data Processing - operations 43151 Computer Data Processing - time sharing 43152

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ACCEPTABLE RISKS cont.

Computer Stores 11160

Concessionaires 11168

Concessionaires - Checkroom, shoeshine, or toilet concessions in hotels, restaurants,

railroad stations, etc. 11167

Condominiums - commercial - bank or

mercantile, manufacturing or office (association

risk only) 62000

Condominiums - commercial shopping centers

(association risk only) 62001

Condominiums - commercial warehouses -

manufacturing or private (association risk only) 62002 Condominiums - residential - (association risk

only) 62003

Conduit Construction for Cables or Wires 91577 Construction or Project Manager - SUBMIT 41620

Consultants 41677

Contractors - Executive Supervisors or

Executive Superintendents - SUBMIT 91580 Contractors - subcontracted work - in

connection with bridge, tunnel, elevated street or highway construction, reconstruction or repair - SUBMIT

91588 Contractors - subcontracted work - in

connection with building construction,

reconstruction, repair or erection - apartment or office buildings over four stories - SUBMIT

91582 Contractors Permanent Yards - maintenance or

storage of equipment or material 91590 Copying and Duplicating Services - retail 11222 Cosmetic, Hair or Skin Preparation Stores 11234

Cotton Compressing 51985

Cotton or Wool Merchants 11248

Crematories - Not-For-Profit only 41697 Crematories - Other than Not-For-Profit 41696 Dairy Products or Butter and Egg Stores -

Dairy Products or Butter and Egg Stores - Other

Delicatessens 11288

Department or Discount Stores 12356 Detective or Investigative Agencies - private 91636 Distributors - food or drink 12361 Distributors - no food or drink 12362 Dwellings - four-family (lessor's risk only) 63013 Dwellings - one-family (lessor's risk only) 63010 Dwellings - three-family (lessor's risk only) 63012 Dwellings - two-family (lessor's risk only) 63011

Electronics Store 12393

Employment Agencies - SUBMIT 43200

Engraving 52660

Equipment, Fixtures or Supplies - for bars, hotels, offices, restaurants or stores -

distributors 12467

Event, Party or Wedding Planners 44280

Express Companies 94099

Fabric Distributors 12509

Fabric Stores 12510

Feed, Grain or Hay Dealers 12583

Fence Dealers 12651

Fertilizer Dealers and Distributors 12683

Floor Covering Distributors 12797

Floor Covering Stores 12805

Floor Waxing 94590

Florists 12841

Forestry Service - SUBMIT 43822

Forging Work - SUBMIT 53403

Formal Wear or Costumes - rented to others 12927 Freight Forwarders or Handlers - other than

packing, handling or shipping explosives or

ammunition under contract 94617

Frozen Food - distributors 13049

Fruit or Vegetable Dealers 13111

Fruit or Vegetable Distributors 13112

Funeral Homes or Chapels 43889

Fur - garments and pelts - distributors 13314 Furniture or Woodwork Stripping, Refinishing or

Repairing - shop only 53734

Furniture Stores - Other than Not-For-Profit 13351

Garbage or Refuse Dumps 43945

Garbage Works - separation for recycling,

reduction or incineration 43946

Gift Shops - Not-For-Profit only 13507 Gift Shops – Other than Not-For-Profit 13506

Glass Dealers and Glaziers 13590

Golf Courses – miniature - SUBMIT 44069 Golf courses – municipal or public – not golf o

country clubs - SUBMIT 44070

Golf Driving Ranges - SUBMIT 44071 Golfmobiles - loaned or rented to others -

SUBMIT 44072

Grain Elevator Operations 95455

Greenhouse Erection 95487

Grocery Distributors 13670

Grocery Stores 13673

Halls - Not-For-Profit only 44277

Halls – Other than Not-For-Profit 44276 Hardware and Tool Distributors 13715

Hardware Stores 13716

Health or Exercise Clubs - SUBMIT 44311 Health or Natural Food Stores 13720 Heating or Combined Heating and Air

Conditioning Equipment - dealers or

distributors only 13930

Hide Dealers and Distributors - raw 14068 Hobby, Craft or Artists' Supply Stores 14101

Home Improvement Stores 14279

Honey Extracting 55371

Hotels and Motels - (lessor's risk only) - four

Hotels and Motels - (lessor's risk only) - less

than four stories - SUBMIT 64074

Hotels and Motels - with pools or beaches - four

Hotels and Motels - with pools or beaches - less

than four stories - SUBMIT 45190

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ACCEPTABLE RISKS cont.

four stories or more - SUBMIT

Hotels and Motels - without pools or beaches -

less than four stories - SUBMIT 45192

Ice Cream Stores 14401

Ice Dealers and Distributors 14405 Inspection and Appraisal Companies -

inspecting for insurance or valuation purposes 96317

Insurance Agents 45334

Internet Access Providers 47600

Internet Retailers 16750

Internet Service Providers 47610

Irrigation Works Operations 96703

Janitorial Supplies - dealers or distributors 14527 Jewelry Stores or Distributors 14655

Junk Dealers 45380

Land - occupied by persons other than the insured for business purposes - (lessor's risk

only) 45539

Laundries and Dry Cleaners - self-service 14731 Laundries and Dry Cleaning Plants 45678 Laundry and Dry Cleaning Stores 14733

Laundry Rental Service 14734

Libraries 66309

Locksmiths- SUBMIT 14913

Lumberyards 45819

Machine Shops- SUBMIT 97220

Mail Box or Packaging Stores 15070

Mail Order Houses 45901

Mailing or Addressing Companies 45937 Manufacturers' Representatives- SUBMIT 45993 Markets - not open air (lessor's risk only) Other

Markets - open air (lessor's risk only) Other than

Metal Dealers or Distributors - nonstructural 15404 Metal Erection - frame structures iron work on

outside of buildings- SUBMIT 97651 Metal Erection - in the construction of dwellings

not exceeding 2 stories in height- SUBMIT 97652 Metal Erection - structural- SUBMIT 97655

Metal Scrap Dealers 15406

Metal Works - shop - decorative or artistic 59914 Metal Works - shop - structural - load bearing-

SUBMIT 56915

Metal Works - shop - structural - not load

bearing- SUBMIT 56916

Milk Depots or Dealers 57001

Mobile Home Sales Agencies 15488

Model Homes 46362

Museums - Other than Not-For-Profit 46426

Music Stores - pre-recorded 16676

Musical Instrument Stores 15538

Nail Salons 15600

Newspaper or Magazine Distributors 15607

Newsstands 15608

Nursery - garden 15699

Packing Houses 57651

Paint, Wallpaper or Wallcovering Stores 15991

Painting, Picture or Frame Stores 15993

Paper Coating or Finishing 57716

Paper Products Distributors 16005

Paper, Rag or Rubber Stock Dealers and

Distributors - secondhand 16009

Parking – private- SUBMIT 46622

Parking – public – open air- SUBMIT 46604 Parking – public – shopping centers –

maintained by the insured (lessor’s risk only) -

SUBMIT 46607

Parking – public – not open air- SUBMIT 46603 Parking – public – shopping centers –

maintained by lessee (lessor’s risk only) -

SUBMIT 46606

Pet Grooming- SUBMIT 16402

Pet Stores- SUBMIT 16403

Pet Training- SUBMIT 16404

Photo Finishing Laboratories 57997

Photographers 16471

Piano Tuning 98405

Picnic Grounds - commercially operated 46773 Plastic or Rubber Supply Goods Distributors 16501 Plumbing Supplies and Fixtures Dealers and

Distributors 16527

Political Campaign Headquarters or Offices 46822

Portable Toilet Rentals 19061

Prefabricated Building Erection 98502 Printers or Electrotypers Supplies - distributors 16588 Printing - Other than Not-For-Profit 58408

Parking – private 46622

Produce Handling or Packing 16604

Professional and Trade Associations - no buildings or premises owned or leased except as

offices - Other than Not-For-Profit 46881 Publishers - books or magazines - Other than

Publishers - newspapers - Other than

Real Estate Agents 47050

Recording Studios 47103

Recycling Collection Centers - Other than

Rental Stores- SUBMIT 16722

Rental Stores - machinery or equipment - rented

to others on a long-term basis 16723 Restaurants - operated by concessionaires -

Other than Not-For-Profit 16819

Restaurants - operated by concessionaires -

Restaurants - with no sale of alcoholic beverages

- with table service 16900

Restaurants - with no sale of alcoholic beverages

- without table service with seating 16901 Restaurants - with no sale of alcoholic beverages

- without seating 16902

Restaurants - with sale of alcoholic beverages that are less than 30% of the annual receipts of

the restaurants - with table service 16910 Restaurants - with sale of alcoholic beverages 16911

(5)

ACCEPTABLE RISKS cont.

that are less than 30% of the annual receipts of the restaurants - without table service with seating

Restaurants – with sale of alcoholic beverages that are 30% or more of but less than 75% of the total annual receipts of the restaurants – with dance floor

16915 Restaurants – with sale of alcoholic beverages

that are 30% or more of but less than 75% of the total annual receipts of the restaurants – without dance floor

that are 75% or more of the total annual receipts of the restaurants – with tables - with dance floor: table service- SUBMIT

that are 75% or more of the total annual receipts of the restaurants – with tables - with dance floor: no table service- SUBMIT

that are 75% or more of the total annual receipts of the restaurants – with tables - without dance floor: table service- SUBMIT

that are 75% or more of the total annual receipts of the restaurants – with tables - without dance floor: no table service- SUBMIT

that are 75% or more of the total annual

receipts of the restaurants – bar service only (no tables): with dance floor- SUBMIT

that are 75% or more of the total annual

receipts of the restaurants – bar service only (no tables): without dance floor- SUBMIT

16941 Sales or Service Organizations 47367 Salvage Operations - removing, sorting,

reconditioning and distributing of merchandise in damaged buildings and incidental operations away from such buildings

98699

Sand or Gravel Digging 98710

Sandblasting 98705

Secondhand or Salvage Dealers and Distributors 16881 Sewage Disposal - Plant operations 98810

Sewer Cleaning 98813

Sheet Metal Work - shop only 58922

Shoe Repair Shops 18109

Shoe Stores 18110

Shopping Centers - buildings, or premises not

occupied by the insured (lessor's risk only) 67635 Shopping Centers - indoor malls - buildings, or

premises not occupied by the insured (lessor's

risk only) 67634

Spas or Personal Enhancement Facilities-

SUBMIT 18200

Sporting Goods or Athletic Equipment Stores-

SUBMIT 18206

Stone Cutting or Polishing 59482

Stores - food or drink - Other than

Stores - no food or drink - Other than

Street Cleaning 99303

Supermarkets 18501

Surveyors - land - not engaged in actual

construction 99471

Swimming Pools 48925

Tailor Merchants - men or boys 18506 Tailoring or Dressmaking Establishments -

custom 18507

Tents or Canopies - loaned or rented to others 49111 Textile Bleaching, Dyeing, Mercerizing, Printing,

Finishing or Silk Screening - new goods 59722

Theaters – drive-in 49181

Theaters – motion pictures 49183

Theaters – Other than Not-for-Profit only 49184 _NOC Theaters – Not-for-Profit only 49185 Theatrical Companies – traveling 99718

Ticket Agencies 68439

Tobacco Products Distributors 18707

Tobacco Products Stores 18708

Townhouse Associations (association risk only) 68500

Toy Distributors 18833

Toy Stores 18834

Trailer Dealers 19795

Trailer Rental Agencies 19796

Truckers 99793

Upholstering 99826

Vacant Buildings - factories- SUBMIT 68604 Vacant Buildings - not factories - Other than

Not-For-Profit- SUBMIT 68606

Vacant Land - Other than Not-For-Profit-

SUBMIT 49451

Variety Stores - Other than Not-For-Profit 18911

Vending Machine Operations 49619

Vending Machine Operations - confection, food,

beverage or ice 49617

Vending Machine Operations - tobacco products 49618

Video Stores 18920

Warehouse - cold individual storage lockers 49763 Warehouse - cold storage - public 99917

Warehouses 99938

Warehouses - mini-warehouses 18991 Warehouses - occupied by multiple interests

(lessor's risk only) 68702

Warehouses - occupied by single interest

(lessor's risk only) 68703

Warehouses - private - Other than Not-For-Profit 68706 Washing Machines, Dryers or Ironers - coin

meter type 19007

Water Mains or Connections Construction 99946

(6)

SUBMIT RISKS

:

(may require additional underwriting information)

√ Any risk that is not specifically shown as an acceptable classification under this program

√ Any automobile or automobile related facility or operations

√ Apartment Buildings or Hotels

√ Bars and Taverns

√ Bazaars

√ Bowling Alleys

√ Camp grounds

√ Cemeteries

√ Construction or Project managers

√ Country or Golf Clubs

√ Contractors Executive Supervisors or Executive Superintendents

√ Employment Agencies

√ Forging work

√ Forestry work or service

√ Golf courses - municipal or public –not golf or county clubs

√ Golf courses – miniature

√ Golf Driving ranges

√ Golfmobiles – loaned or rented to others

√ Health or Exercise clubs

√ Hotels / Motels four stories or more

√ Locksmiths

√ Machine Shops

√ Machinery and / or Equipment rental stores

√ Manufacturer’s representatives – no foreign products

√ Metal Erection and / or Work – structural and nonstructural

√ Operations and tenants premises over 4 stories in height

√ Pet grooming

√ Pet stores

√ Pet training

√ Restaurants with over 75% liquor sales

√ Risks with annual premium in excess of $5,000, or payroll greater than $500,000 or annual receipts over $2,000,000

√ Risks that have been cancelled, non-renewed or refused similar insurance

√ Risks that have knowledge of an occurrence that could result in a claim

√ Risks with a claim in the past three years

√ Risks in which the principal has been bankrupt in the past ten (10) years

√ Risks with a negative net worth

√ Risks with subcontracted work greater than 40%

√ Risks with water, fire, mold or fungus remediation work

√ Risks that sell, install, service or repair alarm or alarm systems

√ Risks that perform work in 24 hour operations

√ Spas or Personal Enhancement Facilities

√ Sporting Goods or Athletic Equipment stores

√ Subcontracted Roofing

√ Super stores, super markets or locations in excess of 5,000 square feet

√ Vacant Buildings

√ Vacant Land

PROHIBITED RISKS:

 Airports - Aircraft or Flight Operations

 Alarm monitoring

 All Mining or Quarrying Operations

 Amusement Parks and Carnivals

 Any risks involved in the manufacture, storage or distribution of ammunition or explosives

 Any subcontracted work that is not specifically shown as an acceptable classification under this program

 Archery ranges or related operations

 Armored car service companies

 Athletic teams or programs, or events

 Auditoriums or stadiums

 Automobile, bus, truck, or motorcycle manufacturing or related operations

 Billiard or pool halls

 Blasting or Excavating Operations

 Camper or Trailer sales agencies

 Casino or casino-related operations

 Chemical manufacturing or distributing

 Children's play centers

 Chimney Cleaning

 Contractors involved in tunneling

 Crane Exposures

 Daycare or daycare related operations

 Demolition contractors

 Fire sprinkler installation or service

 Gasoline stations

 Governmental Bodies

 Gunsmiths or related operation

 Manufacturing operations of any type

 Marine or marine-related operations

 Marine Wrecking, repair, cleaning or demolition of Vessels or barges

 Medical, dental, hospital or surgical operations or healthcare facilities

 Natural or artificial fuel gas, butane, propane or liquefied petroleum gases, gasoline or fuel oil

 Night clubs

 Pharmacies or pharmaceutical operations

 Power line construction

 Production of Motion Pictures

 Property with poor housekeeping, including any visible damage

 Public or private utility companies

 Public street, road or highway work

 Race tracks

 Railroads or Contractors performing repair work on Railroad equipment

 Rifle or Pistol ranges or related operations

 Risks where any officer, owner or partner has a prior felony conviction

 Risks that perform or sublet any demolition, blasting, explosive materials used or demolition exposure contemplated

(7)

PROHIBITED RISKS cont.

 Risks that sell , install, service or repair automatic fire extinguishing systems, boilers, elevators or escalators

 Risks that perform floor waxing in 24 hour operations

 Roofing work, including, but not limited to,

installation or repair of roof flashings, shingles, roof coatings or paint. All roofing work must be

subcontracted out

 School or school related operations

 Security or patrol agencies armed or unarmed

 Special Events

 Swimming pool construction

 Tunnel or Subway Construction

 Water companies or water treatment plants or related operations

 Work on or Navigation of any Ocean-going Vessel

 Work for Franchise stores

Habitational Mercantile General Liability Program Quick Reference Guide

FedNat Underwriters