UNDERWRITING GUIDE - Hamilton Insurance Group · UNDERWRITING OVERVIEW & ELIGIBILITY At HUSA, we...

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NON-ADMITTED COMMERCIAL PROPERTY AND GENERAL LIABILITY

UNDERWRITING GUIDE

Hamilton USA

15 SEP 2016

Hamilton USA 2

TABLE OF CONTENTS

CUSTOMER CARE .................................................................................................................... 5 ADMINISTRATIVE FAQs ............................................................................................................ 6 UNDERWRITING OVERVIEW & ELIGIBILITY ............................................................................ 7

GENERAL CP/GL UNDERWRITING GUIDELINES ................................................................................. 7

LOSS HISTORY GUIDELINES ................................................................................................................ 8

ELIGIBLE STATES.................................................................................................................................. 8

INELIGIBLE CLASSES OF BUSINESS AND EXPOSURES ......................................................................... 9

TOTAL INSURABLE VALUE BY PROTECTION CLASS .......................................................................... 10

SPECIAL TOPICS ................................................................................................................................. 11

COASTAL WIND ............................................................................................................... 11

WIND ELIGIBILITY TABLE ................................................................................................. 11

UTILITY SERVICES DIRECT DAMAGE ................................................................................ 13

UTILITY SERVICES TIME ELEMENT ................................................................................... 14

EARTHQUAKE & EARTHQUAKE SPRINKLER LEAKAGE (EQSL) .......................................... 15

HIRED AND NON-OWNED AUTO ..................................................................................... 17

UTILITY SERVICES TIME ELEMENT COVERAGE ................................................................ 17

INDUSTRY PRODUCTS ........................................................................................................... 18 ARTISAN CONTRACTORS .................................................................................................................. 18

LESSORS RISK ONLY .......................................................................................................................... 23

RESTAURANTS .................................................................................................................................. 25

BARS AND TAVERNS ......................................................................................................................... 25

RETAIL ............................................................................................................................................... 28

WHOLESALE ...................................................................................................................................... 30

OFFICES & SERVICES ......................................................................................................................... 31

HABITATIONAL .................................................................................................................................. 33

COVERAGES ........................................................................................................................... 35 ENHANCEMENTS ............................................................................................................................... 35

PROPERTY ENHANCEMENT ............................................................................................. 35

GENERAL LIABILITY ENHANCEMENT ............................................................................... 36

OTHER AVAILABLE PROPERTY COVERAGES INCLUDE ..................................................................... 37

OTHER AVAILABLE LIABILITY COVERAGES INCLUDE........................................................................ 37

Hamilton USA 3

Version History Date Key Revisions

15 SEP 16 Deleted BI sublimit table.

15 SEP 16 Removed guideline around rubber tire shreds and wood chips for habitational playgrounds.

15 SEP 16 Added additional states of RI, ME, and NH.

15 SEP 16 Deleted guideline surround condos with 25% or more units rented to others and placed guidance to rate these as apartments instead.

15 SEP 16 Removed guideline on application of exterior siding, brick, or stone from Terrazzo, Tile, Marble, and Mosaic classes due to our guideline on EFIS.

15 SEP 16 Added “No cigar bars” to bars and taverns guidelines

15 SEP 16 Updated wind and utility services direct damage and time element tables

15 SEP 16 Added that liquor liability is not required for bars and taverns in LA, KY, and WI

15 SEP 16 Specified that the 50% tenant ineligibility rule for LRO is by location

15 SEP 16 Updated guidance on subsidized housing

15 SEP 16 Updated Oklahoma earthquake guidance

Hamilton USA 4

INTRODUCTION

Hamilton Insurance Company (HUSA) specializes in writing Small Business insurance. Founded in 2014, HUSA originally entered the market as a non-admitted writer of small accounts. The purpose of this guide is to provide an easy to use reference resource, to assist you in qualifying, quoting, writing and servicing the business with which you have entrusted us. For additional questions, please contact our professionals at HUSA’s Customer Care Center.

Hamilton USA 5

CUSTOMER CARE CENTER (CCC)

OVERVIEW: HUSA’s Customer Care Center is staffed with experienced underwriting professionals who are dedicated to handling your needs efficiently and accurately. Our professionals will handle all of your inquiries, including referrals and technical support. Other services provided by our Customer Service professionals include:

» Assisting with Policy Changes » Renewal Processing

HUSA’s Customer Care Center’s (CCC) Phase I hours of operation are 8:30 a.m. – 5:00 p.m., Eastern Standard Time. Support channels include: Live Chat, email and phone. To access Live Chat, click on “Chat With Us”, on either the app or in the Hamilton Quote System (HQS). Phone: 1-877-200-HUSA (4872)

E Mail/live help: [email protected]

Mailing address: 600 College Road East, Suite 3500

Princeton, NJ 08540

CLAIMS Claims handling is provided by Third Party Administrator, Engle Martin Claim Administrative Services: Engle Martin Claim Administrative Services Claims Email: [email protected] 5565 Glenridge Connector Suite 900 Atlanta, GA 30342 Toll Free Main Contact Number: 888.239.7872 Main Office Number: 678.553.3800 Claim Reporting Fax Number: 678.553.3801

mailto:[email protected]

Hamilton USA 6

ADMINISTRATIVE FAQs

The intent of this section of the manual is to provide high level direction on a variety of topics that may occur in the course of normal business. For more detailed information, please contact your Customer Care Representative via Live Chat or one of the other above-listed contact options. WILL MY LOA INCLUDE AUTHORITY TO BACKDATE COVERAGE? No. Unique circumstances may be referred to CCC management. HOW LONG IS MY QUOTE VALID FOR? Quotes are valid for 30 days. HOW ARE NON-RENEWALS, FLAT CANCELLATIONS, PRO RATA AND SHORT RATE CANCELLATIONS ADDRESSED? Agencies process non-renewal requests. Flat cancellations require prior approval by the CCC. Policies cancelled more than 30 days after the effective date are cancelled on a short rate basis. WHAT ARE YOUR POLICY PROCESSING GUIDELINES? Our policy issuance guidelines can be found on www.hamilton.clariondoor.com under the Guides and Manuals section. HOW DO I INITIATE A REQUEST FOR LOSS RUNS? Loss run requests are processed by the CCC Team. HOW DO I PROCESS ENDORSEMENTS/MID-TERM CHANGE REQUESTS? Information on how to do this can be found in the Policy Issuance Guide on www.hamilton.clariondoor.com under the Guides and Manuals section. WHAT IF I HAVE OTHER QUESTIONS? Please direct all other inquiries regarding Underwriting issues to the CCC, per the contact information listed in the “Overview” section of this manual.

http://www.hamilton.clariondoor.com/

http://www.hamilton.clariondoor.com/

Hamilton USA 7

UNDERWRITING OVERVIEW & ELIGIBILITY At HUSA, we pride ourselves on offering a broad underwriting eligibility, coupled with comprehensive coverages.

GENERAL CP/GL UNDERWRITING GUIDELINES

» TIV eligibility: Up to $5M per account (guidelines by location apply by protection class, construction, sprinkler status, and class of business)

» Building height: Office buildings and habitational risks up to six stories; retail, wholesale, and service LRO occupancies up to four stories; all other occupancies, up to three stories

» Buildings over 30 years old require full updates (roof, plumbing, HVAC, and electrical) » No more than three claims in the past three years, with no loss exceeding $25,000 (total

incurred) » Aluminum branch wiring ineligible unless completely remediated (AlumiConn, Copalum) » Continuous insurance coverage for the past three years required (unless a new venture),

with no cancellations or non-renewals by the insurer » If applicant accepts online payments, PCI certification is required, or applicant

exclusively uses a PCI certified third party vendor to process online payments » Assault and battery limitation with sublimit of $25,000 attached to all locations in crime

index of 9 and 10 » Theft Exclusion

Contractors for PLUS and ULTRA form is mandatory when: 1) Risk in Crime zone 9 and 10 with no Central station burglar alarm 2) Crime index 1-8 with no central station burglar alarm with business

personal property coverage limit greater than $250,000 All other classes except contractors, habitational, and LRO for PLUS and ULTRA

this form is mandatory when: 1) Risk in Crime zone 9 and 10 with no Central station burglar alarm 2) Crime index 1-8 with no central station burglar alarm with business

personal property coverage limit greater than $500,000 LRO and Habitational:

1) This form is optional

Hamilton USA 8

LOSS HISTORY GUIDELINES Loss history plays an important role in assessing the quality of a risk. Past losses may be an indicator of future claims potential. For each Tier of coverage HUSA has established Rules around claims history. The chart below outlines the requirements by Tier.

Ultra Plus Core

No claims last 3 years No more than 1 claim in last

3 years and no more than

$25,000 total

No more than 2 claims in last

3 years and no more than

$25,000 total

For the purpose of determining eligibility for a Tier, the underwriter should include the past three

full years plus the current year of losses. All loss data must be currently valued (within 90 days).

Certain clams may be recorded in a loss history but are not considered an indicator of future

loss potential. For claims of this nature the underwriter may exclude them from the loss history.

These include:

» Any claims closed without payment

» Property claims due to catastrophic losses outside of the insured’s control (e.g. wind,

hail, earthquake, wildfire)

» Claims for which the condition that contributed to the claim has been mitigated or

remediated (e.g. a water damage claim that resulted from a leaking fixture where the

fixture has been replaced)

» Incidental claims under $1,000 where a claim file was established but no material loss

exists (e.g. a claim was established to pay an attorney to write a letter to get the claim

dismissed)

Claims history must be entered in HQS under the Policy History section.

ELIGIBLE STATES

» AL » IL » MO » PA

» AR » IN » MS » RI

» AZ » KS » NC » SC

» CA » KY » NH » TN

» CO » LA » NJ » TX

» CT » MA » NV » VA

» FL » MD » NY » WI

» GA » ME » OH

» IA » MI » OK

Hamilton USA 9

INELIGIBLE CLASSES OF BUSINESS AND EXPOSURES

» Places of worship » Schools » Convenience stores » Body shops » Ambulatory surgery » Shooting ranges » Bowling alleys » Sporting goods store with ammunition sales » Ice/roller skating rinks » Substance abuse counseling, methadone clinics or marijuana dispensaries » Nightclubs or dance clubs » Theaters & auditoriums » 24 hour operations » Cold storage risks » Chemical or pharmaceutical storage » High hazard contractors (high voltage work, asbestos abatement, EIFS installation or

repair, snow plowing, waterproofing & fireproofing work) » New York City contractors » Residential property management companies » Lessor’s risk warehouses » Hotels, motels, inns » Tattoo parlors » Tobacconists including sales and distribution of any tobacco related products including E-

cigarette/vape stores and supplies » Vacant buildings » Vacant land over 10 acres per account

Hamilton USA 10

TOTAL INSURABLE VALUE BY PROTECTION CLASS Requires further approval if TIV threshold is exceeded. My Hamilton Express (mobile app) limits may be less than what is stated below:

Frame Construction

Protection Class Sprinklered/

Nonsprinklered Restaurants

Other than Restaurants

1-7 Sprinklered < $5,000,000 < $5,000,000

1-7 Non-Sprinklered < $3,000,000 < $4,000,000

8 Sprinklered < $3,500,000 < $5,000,000

8 Non-Sprinklered < $1,500,000 < $3,500,000

9 Sprinklered < $1,250,000 < $3,500,000

9 Non-Sprinklered < $750,000 < $2,500,000

10 Sprinklered < $500,000 < $1,500,000

10 Non-Sprinklered Ineligible < $500,000

Non-Frame Construction

Protection Class Sprinklered/

Nonsprinklered Restaurants

Other than Restaurants and

Contractors

1-7 Sprinklered < $5,000,000 < $5,000,000

1-7 Non-Sprinklered < $3,500,000 < $4,500,000

8 Sprinklered < $4,000,000 < $4,000,000

8 Non-Sprinklered < $2,500,000 < $3,750,000

9 Sprinklered < $2,250,000 < $4,000,000

9 Non-Sprinklered < $1,500,000 < $3,000,000

10 Sprinklered < $1,000,000 < $1,500,000

10 Non-Sprinklered Ineligible < $1,000,000

Note: Joisted Masonry construction with peaked roofs are considered to be Frame construction

Hamilton USA 11

SPECIAL TOPICS

COASTAL WIND

HUSA is a market for business in near proximity to coastal bodies of water, as part of a balanced book of business. Our competitive eligibility depends on several factors, including construction type, distance from the coast and the state in which the applicant is located. Based on these criteria, a risk may be ineligible for wind coverage, there may be no mandated wind deductible, a flat deductible, or a percent deductible may be required that includes a minimum dollar amount, before a wind damage claim will be considered for payment. Mandated wind percentage deductibles range from 1%-5%, with the availability of deductibles from 6% to 10%, in one percent increments. These may be used as an effective tactic to reduce the applicant’s premium for this coverage. Please refer to the table below regarding HUSA Wind Eligibility and Deductible Guidelines. Also

note that ‘All Other Peril’ deductibles may be different than the corresponding wind deductible, based on state, construction, and distance from the coast. Moreover, Business Interruption, Utility Services Direct Damage, and Utility Services Time Element coverage may be sub-limited in certain areas close to the coast.

WIND ELIGIBILITY TABLE

Please refer to the table below regarding HUSA eligibility and minimum wind deductibles by state and distance to coast. If the state is not listed there is no mandated minimum wind deductible.

State/ Construction

up to 1,000 ft

>1000 ft. - 1/2 mile

>1/2 mile - 1 mile

>1-2 miles >2-5 miles

>5-10 miles

>10-20 miles

>20-30 miles

30+ miles

AL Frame Ineligible 2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)

No Min No Min No Min

AL non-Frame

5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)

No Min No Min No Min No Min

CT Frame 5% (min. $10,000)

2% (min. $2,500)

1% (min. $2,500)

1% (min. $2,500)

1% (min. $2,500)


CT non-Frame

2% (min. $2,500)

1% (min. $2,500)

No Min No Min No Min No Min No Min No Min No Min

DE Frame 2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


DE non-Frame

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)

No Min No Min No Min No Min No Min

FL Frame Ineligible Ineligible Ineligible Ineligible 5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)

1% (min. $2,500)

FL non-Frame

5% (min. $10,000)

5% (min. $10,000)

5% (min. $10,000)

5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)

No Min No Min

GA Frame Ineligible 5% (min. $10,000)

5% (min. $10,000)

2% (min. $2,500)

1% (min. $2,500)


GA non-Frame

5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


LA Frame Ineligible Ineligible Ineligible 5% (min. $10,000)

2% (min. $2,500)


LA Non-Frame

5% (min. $10,000)

5% (min. $10,000)

5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)


MA Frame 5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


MA non-Frame

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


Hamilton USA 12

WIND ELIGIBILITY TABLE (CONTINUED)

State/

Construction up to

1,000 ft >1000 ft. - 1/2 mile

>1/2 mile - 1 mile

>1-2 miles >2-5 miles

>5-10 miles

>10-20 miles

>20-30 miles

30+ miles

MD Frame 5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


MD non-Frame

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


ME Frame 5% (min. $10,000)

2% (min. $2,500)

1% (min. $2,500)

1% (min. $2,500)

1% (min. $2,500)


ME non-Frame

2% (min. $2,500)

1% (min. $2,500)


MS Frame Ineligible 2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


MS non-Frame

5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


NC Frame 5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


NC non-Frame

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


NH Frame 2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)

1% (min. $2,500)

1% (min. $2,500)


NH non-Frame

1% (min. $2,500)

1% (min. $2,500)

1% (min. $2,500)

No Min No Min No Min No Min No Min No Min

NJ Frame 5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


NJ non-Frame

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


NY Frame 5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


NY non-Frame

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


RI Frame 5% (min. $10,000)

2% (min. $2,500)

1% (min. $2,500)

1% (min. $2,500)

1% (min. $2,500)


RI Non-Frame

2% (min. $2,500)

1% (min. $2,500)


SC Frame Ineligible 5% (min. $10,000)

5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


SC Non-Frame

5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


TX Frame Ineligible Ineligible Ineligible Ineligible 5% (min. $10,000)

2% (min. $2,500)


TX non-Frame

5% (min. $10,000)

5% (min. $10,000)

5% (min. $10,000)

2% (min. $2,500)

1% (min. $2,500)


VA Frame 5% (min. $10,000)

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


VA non-Frame

2% (min. $2,500)

2% (min. $2,500)

2% (min. $2,500)

1% (min. $2,500)


Hamilton USA 13

UTILITY SERVICES DIRECT DAMAGE

Please refer to the table below regarding HUSA Utility Services Direct Damage max sub-limits by state and distance from the coast. If not listed in this table the sub-limit for that particular state is $15K for the PLUS tier and $25K for the ULTRA tier.

State up to 1,000

ft >1000 ft. - 1/2 mile

>1/2 - 1 mile >1-2 miles >2-5 miles

>5-10 miles

>10-20 miles

>20-30 miles

30+ miles

AL No coverage available

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

CT No coverage available

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

DE No coverage available

$15,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

FL No coverage available

No coverage available



$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

GA No coverage available



$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

LA No coverage available



$15,000 Sublimit

25000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

MA No coverage available

$15,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

MD No coverage available

$15,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

ME No coverage available

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

MS No coverage available

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

NC No coverage available

$15,000 Sublimit

$15,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

NH No coverage available

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

NJ No coverage available

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

NY No coverage available

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

RI No coverage available

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

SC No coverage available

$15,000 Sublimit

$15,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

TX No coverage available



$15,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

VA No coverage available

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

Hamilton USA 14

UTILITY SERVICES TIME ELEMENT

Please refer to the table below regarding HUSA Utility Services Time Element max sub-limits by state and distance from the coast. If not listed in this table the sub-limit for that particular state is $15K for the PLUS tier and $25K for the ULTRA tier.

State up to 1,000 ft >1000 ft. - 1/2 mile

>1/2 mile - 1 mile

>1-2 miles >2-5 miles >5-10 miles

>10-20 miles

>20-30 miles

30+ miles

AL No coverage available

$15,000 Sublimit

$15,000 Sublimit

$15,000 Sublimit

$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

CT No coverage available



$15,000 Sublimit

$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$50,000 Sublimit

DE No coverage available



$15,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$50,000 Sublimit

FL No coverage available





$15,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

GA No coverage available



$15,000 Sublimit

$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

LA No coverage available





$15,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

MA No coverage available



$15,000 Sublimit

$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$50,000 Sublimit

MD No coverage available



$15,000 Sublimit

$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$50,000 Sublimit

ME No coverage available



$15,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$50,000 Sublimit

MS No coverage available



$15,000 Sublimit

$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

NC No coverage available



$15,000 Sublimit

$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

NH No coverage available



$15,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$50,000 Sublimit

NJ No coverage available



$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$50,000 Sublimit

NY No coverage available



$15,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

$50,000 Sublimit

RI No coverage available



$15,000 Sublimit

$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

SC No coverage available



$15,000 Sublimit

$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$25,000 Sublimit

TX No coverage available





$15,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$50,000 Sublimit

VA No coverage available



$15,000 Sublimit

$15,000 Sublimit

$20,000 Sublimit

$20,000 Sublimit

$25,000 Sublimit

$50,000 Sublimit

Hamilton USA 15

EARTHQUAKE & EARTHQUAKE SPRINKLER LEAKAGE (EQSL)

Depending on the Modified Mercali Index (MMI) and soil type, HUSA may be a market for Earthquake exposure, up to $5M in annual aggregate limits, we may offer sub-limits, or the risk may be ineligible for this coverage. Deductibles range from 1-25%, with a minimum dollar deductible from $1,000-$100,000, depending on MMI and soil type. Higher than required deductibles may be selected as a pricing tool. Earthquake coverage is available in all states EXCEPT Oklahoma. Available Earthquake Limits:

SOIL TYPE

Very Hard Rock, Hard

Rock

Firm to Hard Rock, Firm Rock

Soft to Firm Rock (stiff soil), Soft

Rock

Stiff clay and Sandy soil (firm soil), Soft

Soil to Firm Soil, Soft

Soil (shallow soil), soft

soil

Water

Minimum Deductible

Modified Mercali Index

(1)

ANNUAL AGGREGATE LIMITS

5% I $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000

5% II $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000

5% III $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000

5% IV $5,000,000 $5,000,000 $5,000,000 $3,000,000 $1,500,000

10% V $5,000,000 $5,000,000 $5,000,000 $2,500,000 $1,000,000

20% VI $500,000 $500,000 $250,000 $100,000 $100,000

25% VII $250,000 $250,000 $200,000 Ineligible Ineligible

25% VIII $100,000 $100,000 $75,000 Ineligible Ineligible

N/A IX Ineligible Ineligible Ineligible Ineligible Ineligible

N/A X Ineligible Ineligible Ineligible Ineligible Ineligible

N/A XI Ineligible Ineligible Ineligible Ineligible Ineligible

N/A XII Ineligible Ineligible Ineligible Ineligible Ineligible

Hamilton USA 16

HUSA may also be a market for EQSL only, with available limits listed below, based on MMI and soil type: Available EQSL Limits:

SOIL TYPE

Very Hard Rock, Hard

Rock

Firm to Hard Rock, Firm Rock

Soft to Firm Rock (stiff soil), Soft

Rock

Stiff clay and Sandy soil (firm soil), Soft

Soil to Firm Soil, Soft

Soil (shallow soil), soft

soil

Water

Minimum Deductible

Modified Mercali Index

(1)

ANNUAL AGGREGATE LIMITS

5% I $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000

5% II $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000

5% III $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000

5% IV $5,000,000 $5,000,000 $5,000,000 $4,000,000 $3,000,000

10% V $5,000,000 $5,000,000 $5,000,000 $3,000,000 $2,000,000

20% VI $1,000,000 $1,000,000 $500,000 $200,000 $200,000

25% VII $500,000 $500,000 $400,000 Ineligible Ineligible

25% VIII $200,000 $200,000 $150,000 Ineligible Ineligible

N/A IX Ineligible Ineligible Ineligible Ineligible Ineligible

N/A X Ineligible Ineligible Ineligible Ineligible Ineligible

N/A XI Ineligible Ineligible Ineligible Ineligible Ineligible

N/A XII Ineligible Ineligible Ineligible Ineligible Ineligible

Hamilton USA 17

HIRED AND NON-OWNED AUTO HUSA will provide optional Hired and Non-owned Automobile coverage for all industry groups except Contractors.

Eligibility:

» Non-Contractor risks that, rent, lease for a short term or borrow autos, whether operated

by the vehicle owner or others

» Restaurant risk that do not have delivery services and rent, lease for a short term or

borrow autos, whether operated by the vehicle owner or others

» Insured may not rent or lease a vehicle for a period of 30 days or more

» Annual cost of hire is no greater than $10,000

» For autos borrowed from employees, insured must confirm proof of primary insurance

» Drivers must have a minimum of 3 years non-restricted driving experience

» Drivers must be at least 25 years old

» Radius of operations is limited to 50 miles or less

» Only available with the special cause of loss form

Limits available and rates are as follows:

Limit Rate

$300,000 $175 flat charge

$500,000 $275 flat charge

$1,000,000 $350 flat charge

Hamilton USA 18

INDUSTRY PRODUCTS

ARTISAN CONTRACTORS

» Maximum revenue of $2M » Maximum payroll of $2M » Contractors performing any work in the Five Boroughs of NYC are ineligible » Up to 50% subcontracted costs (as a % of total revenue) is permissible » Subcontractors must carry a minimum of $1M/$1M general liability insurance and

worker’s compensation from a carrier rated at least A- by A.M. Best and name the applicant as an additional insured

» Exterior work on building heights up to three stories acceptable » No high hazard activities, including:

High voltage work Asbestos abatement EIFS installation or repair Snow plowing Waterproofing work Fireproofing work

» No fines or citations from any governmental body (including OSHA) in the past 5 years » Must obtain all applicable permits before starting work » No use of synthetic stucco or EFIS » Never named in litigation regarding defective workmanship » Structural work on buildings limited to 20% » Before digging or auguring must check with local authorities for underground cables » If building value is over $250,000 must have central station fire alarm and burglar alarm

to qualify for special form

Hazardous Activities - Fence Installation/Servicing/Repair (Current Work)

Fence Installation, Masonry, Landscape and Gardening, Lawn Care

Guardrails/highway or road dividers Decline

Bridges Decline

Fences at Airports Decline

Correctional / Detention Facilities Decline

Military, national defense or law enforcement agencies Decline

Installation or repair of retaining walls higher than 3 ft Decline

Electrified fences Decline

Fences constructed with straight line / crossed razor / barbed / concertina wire Decline

Sales / installation of security systems, including locking systems / alarms Decline

School or playground perimeter fencing Decline

D

Hamilton USA 19

Hazardous Activities - Electrical (Last 3 Years or Current)

Plumbers, Solar Energy, Water Softening Equipment, HVAC/Refrigeration, Commercial Appliance Installers

High Voltage Work (> 480 volts) Decline

Utility companies including substations, distribution, and transmission lines Decline

Underwater work Decline

Work in explosive environments Decline

Fire or burglar alarm service, installation, repair Decline

Work involving traffic signals or parking lot light service, installation, repair Decline

Work for hospitals or airports Decline

Work for penal institutions or military Decline

Hazardous Activities - Plumbing (Last 3 Years or Current)

Plumbers, Septic Tank Systems, Water Softening Equipment, HVAC/Refrigeration

Underground work, boiler servicing, gas main / gas connection work >25% Decline

Install, repair, design automatic indoor sprinkler systems or AES 300 extinguishing systems

>15% Decline

Install, design or service high pressure boilers (>15 psi steam, >30 psi water)

Decline

Design, installation or service any system in hospital, power plant, airport

Decline

Hazardous Activities - Glass and Glazing (Last 3 Years or Current)

Glass and Glazing Work

Exterior glass installation above 3 stories Decline

Sealant glazing over 3 stories Decline

Door / window installation >25% Decline

Hazardous Activities - Plastering and Stucco (Last 3 Years or Current)

Plastering / Stucco, Residential plumbing, Carpet cleaning

Exterior plastering and/or stucco work above 3 stories Decline

Door / window installation Decline

Siding installation Decline

Hazardous Activities - Painting / Paperhanging (Last 3 Years or Current)

Painters



Floor covering installation Decline

Drywall / wallboard Installation or Insulation >20% Decline

Painting of bridges, towers, tanks, pavement Decline

High pressure cleaning of building exteriors Decline

Use hot processes for paint removal? Decline

Hamilton USA 20

Hazardous Activities - Drywall / Acoustical / Insulation (Last 3 Years or Current)

Drywall/Acoustical/Insulation, Ceiling or Wall Installation

Asbestos abasement Decline



Hazardous Activities - Terrazzo, Tile, Marble, Mosaic (Last 3 Years or Current)

Terrazzo, Tile, Marble, Mosaic Work; Masonry


Installation or repair of waterproofing or fireproofing materials Decline

Hazardous Activities - Concrete Work (Last 3 Years or Current)

Concrete Work, Masonry, Septic Tank Systems (cleaning/installation), Driveway/Parking Area paving


Work for state, federal or local municipalities Decline

Installation or repair of waterproofing or fireproofing materials Decline

Installation or repair of swimming pools Decline

Work on building foundations Decline

Hazardous Activities - Masonry

Masonry


» Contractors performing residential and light commercial work in the classes listed below are eligible:

HUSA Contractors Non-Admitted Commercial Property and General Liability Eligibility

ISO GL Code

Air Conditioning Systems or Equipment - dealers or distributors and installation, servicing or repair

91111

Appliances and Accessories - installation, servicing or repair – commercial 91150

Appliances and Accessories - installation, servicing or repair – household 91155

Cable Installation in Conduits or Subways 91302

Cable or Subscription Television companies 91315

Cable TV Installation (residential & commercial/office only) (1) 91551

Carpentry – construction of residential property not exceeding three stories in height

91340

Carpentry – interior 91341

Carpentry – NOC 91342

Carpentry - shop only 91343

Carpet, Rug, Furniture or Upholstery Cleaning - on customers' premises 91405

Hamilton USA 21

HUSA Contractors Non-Admitted Commercial Property and General Liability Eligibility (continued)

ISO GL Code

Ceiling or Wall Installation – metal 91436

Chimney Cleaning 91481

Cleaning - outside surfaces of buildings 91523

Computer Service or Repair 91555

Concrete Construction 91560

Contractors - NOC 94444

Contractors – subcontracted work – construction, reconstruction, repair or erection – apartment or office buildings over four stories

91582

Contractors - subcontracted work - construction, reconstruction, repair or erection - one or two family dwellings

91583

Contractors - subcontracted work - construction, reconstruction, erection or repair - not buildings – NOC

91581

Contractors - subcontracted work - construction, reconstruction, repair or erection of buildings - for industrial use

91584

Contractors - subcontracted work - construction, reconstruction, repair or erection of buildings – NOC

91585

Contractors – subcontracted work – street or highway construction 91589

Contractors – subcontracted work – other than construction-related work 91591

Contractors Permanent Yards – maintenance or storage of equipment or material

91590

Debris Removal - construction site 91629

Door, Window or Assembled Millwork - installation – metal 91746

Driveway, Parking Area or Sidewalk - paving or repaving 92215

Dry Wall or Wallboard Installation 92338

Fence Erection Contractors 94276

Fiber Optic Cable Installers - inside of buildings 92478

Fiber Optic Cable Installers - outside of buildings (1) 99613

Floor Covering Installation - not ceramic tile or stone 94569

Furniture & Fixture Installers 95124

Glass Dealers and Glaziers 13590

Grading of Land 95410

Handyperson 95625

Heating or Combined Heating and Air Conditioning Systems or Equipment - dealers or distributors and installation, servicing or repair

95647

House Furnishing Installation 96053

Insulation Work – mineral 96410

Insulation Work - organic or plastic in solid state 96409

Insulation Work - plastic – NOC 96408

Interior Decorators 96611

Janitorial Services 96816

Landscape Gardening 97047

Hamilton USA 22

HUSA Contractors Non-Admitted Commercial Property and General Liability Eligibility (continued)

ISO GL Code

Lawn Care Services 97050

Lighting Installation 92451

Masonry 97447

Metal Erection - decorative or artistic 97650

Metal Erection - frame structures iron work on outside of buildings 97651

Metal Works - shop - decorative or artistic 59914

Office Machines or Appliances - Installation, Inspection, adjustment or repair 98111

Painting - exterior - buildings or structures - three stories or less in height – NOC

98304

Painting - Interior - buildings or structures 98305

Paperhanging 98344

Plastering or Stucco work 98449

Plumbing - commercial or industrial 98482

Plumbing - residential or domestic 98483

Refrigeration Systems or Equipment - dealers and distributors and installation, servicing or repair – commercial

98636

Renovating - Outside Surfaces of Building 98640

Septic Tank Systems – cleaning 98805

Septic Tank Systems - installation, servicing or repair 98806

Sheet Metal Work - outside 98884

Siding Installation 98967

Sign Erection, Installation or Repair 98993

Sign Painting or Lettering – inside of buildings 99003

Sign Painting or Lettering - Outside of Buildings (interior work limited to 25% of sales)

99004

Solar Energy Contractors 99080

Street Cleaning 99303

Telephone Equipment Installers 18575

Television or Radio Receiving Set Installation or Repair 99650

Tile, Stone, Marble, Mosaic or Terrazzo Work - interior construction 99746

Tree Pruning, Dusting or Spraying, Repairing, Trimming or Fumigating 99777

Water Softening Equipment – installation, servicing or repair 99948

Hamilton USA 23

LESSORS RISK ONLY

» Office buildings, shopping centers, strip malls, standalone retail, service & wholesale occupancies

» Offices no more than 6 stories in height, retail no more than 4 stories in height, all other LRO classes no more than 3 stories in height

» Max square footage 75,000 or 100,000 per location with office head approval, max 125,000 per policy

» Applicants over 40% vacant or seasonally closed for over 90 (180 for FL) days are not eligible, 30-40% vacant or seasonally closed for over 90 (180 for FL) days only eligible for basic form

» Written leases contain hold harmless language in favor of the applicant & provide AI status on underlying polices.

» Appropriate contractual transfer to be in place » Restaurant occupancies to meet NFPA 96 standards » Sales of flammable liquids should not exceed five percent (5%) of total revenue » Storage of incidental flammable or explosive materials must be in compliance with NFPA

standards » Minimum tenant underlying insurance requirements of $1M CSL » Within the last 5 years the applicant must not have been found legally liable regarding

any complaint alleging wrongful eviction, discriminatory rental practices, invasion of privacy or other legal violations, regarding their management or ownership of any rental property

» The following occupancies are ineligible: Woodworkers Metalworkers Electroplaters Auto body shops Spray painting and welding operations Bowling alleys Enclosed malls Open air markets Sporting goods stores with ammunition sales or indoor shooting ranges Ice and roller skating rinks Methadone clinics or marijuana dispensaries Nightclubs Theaters and auditoriums Tenants with 24 hour operations Cold storage Chemical or pharmaceutical storage Substance abuse counseling Adult/Pornographic themed stores Storage or use of explosive/flammable/corrosive chemicals Warehouses Schools

» The following occupancies are eligible if they comprise 50% or less of total occupancy by location (based on the number of occupancies):

Day care – both children and adults Automotive services Gyms

Hamilton USA 24

Martial arts studios (not inclusive of yoga/Pilates) Movie theaters

Lessors Risk Only ISO GL Code

LRO - Office Buildings 61226

LRO - Banks & Financial Institution Offices 61223

LRO - Mercantile & Retail Occupancies 61212

LRO - Servicing Business Occupancies 61212

LRO - Manufacturing Occupancies 61212

LRO - Contracting Occupancies 61212

LRO - Automotive Servicing Occupancies 61212

LRO - Wholesaler Occupancies 62000

LRO - Restaurant (including Bar/Tavern) Occupancies 61212

LRO - Shopping Centers & Strip Malls 67635

LRO - Condo: Offices, Including Banks & Financial Institutions 62000

LRO - Condo: Mercantile & Retail Occupancies 62000

LRO - Condo: Service Occupancies 62000

LRO - Condo: Manufacturing Occupancies 62000

LRO - Condo: Contracting Occupancies 62000

LRO - Condo: Automotive Servicing Occupancies 62000

LRO - Condo: Wholesaler Occupancies 62000

LRO - Condo: Restaurant Occupancies 62000

LRO - Condo: Shopping Centers & Strip Malls 62001

LRO - Offices, Mercantile or Manufacturing - Not-For-Profit only 61216

LRO - Offices, Mercantile or Manufacturing - maintained by the insured - Not-For-Profit only

61216

LRO - Offices - Not-For-Profit only 61216

LRO - Offices - premises occupied by employees of the insured - Not-For-Profit only

61216

LRO - Offices - premises occupied by employees of the insured - Other than Not-For-Profit

61216

Hamilton USA 25

RESTAURANTS

» Eligibility includes: Family style, full service, fine dining, fast food, quick service, deli’s, bagel shops, coffee shops, juice bars, ice cream shops

» Max sales $5M per account » No dance clubs, nightclubs » Max liquor receipts < 30% of total sales, except for fine dining < 75% » Locations with liquor in AK, AL, DC and VT are ineligible » Liquor liability limits up to $1M/$2M available » Liquor license must never have been revoked or suspended » Liquor liability coverage must not have been denied, cancelled, or non-renewed in the

past 3 years » All employees who serve alcohol must be currently certified by a responsible alcohol

serving program such as TIPS. » No bouncers or door attendants » Effective fire extinguishing and ventilation systems in place and maintained, NFPA 96

standards met » No hotel, motel or inn exposure » No health citations in the past 3 years » Delivery restaurants ineligible for Hired and Non-Owned Auto Coverage » Applicants vacant or closed seasonally for over 90 (180 for FL) days are ineligible, those

vacant or closed seasonally between 30 and 90 (180 for FL) days eligible for basic form only

» No dance floors, play grounds, table side cooking, flaming drinks or meals, or open barbeque pits

» If valet parking is offered and done by restaurant employees the restaurant must check confirm acceptable driving records of those employees

» If valet parking is offered by an outside firm they must have general liability insurance and damage to customer’s autos coverage and the applicant must be named as an additional insured on their liability insurance policies

BARS AND TAVERNS

» Target market is neighborhood bars & taverns, primarily serving local clientele » No dance clubs, night clubs, college bars, gentlemen clubs, sports bars » Bars with dance floors or live entertainment for a cover charge are ineligible » Maximum Sales: $5M » Minimum Sales: $350K » Liquor receipts up to 100% are eligible » Effective fire extinguishing and ventilation systems in place and maintained, NFPA 96

standards met » No hotel, motel or inn exposure » No firearms allowed on premises » No cover charge, minimum charge per person/table, or bottle service » Liquor liability limits up to $1M/$2M available » Liquor license must never have been revoked or suspended » Liquor liability coverage must not have been denied, cancelled, or non-renewed in the

past 5 years » Sponsorship of athletic or sports events including teams is ineligible unless form CG 21

01 "Exclusion - Athletic or Sports Participants" is attached

Hamilton USA 26

» No hosted or sponsored events such as pub crawls » No health citations in the past 5 years » No dance floors » All employees who serve alcohol must be currently certified by a responsible alcohol

serving program such as TIPS. » No more than one door attendant / bouncer / security staff on duty per shift » Criminal background checks must be run on all door attendant / bouncer / security staff » If the applicant contracts for the services of door attendant / bouncer / security staff the

security company must hold the applicant harmless, name the applicant as an additional insured, and have a minimum of $1M per occurrence general liability limits.

» Assault and Battery limitation mandatory with sub-limit options of $50k/$100k/$250k » Effective fire extinguishing and ventilation systems in place and maintained » Applicants vacant or closed seasonally for over 90 days are ineligible, those vacant or

closed seasonally between 30 and 90 days eligible for basic form only » Liquor liability not available in AK, AL, DC and VT » Liquor liability coverage is mandatory except for LA, KY, and WI » No cigar bars

Hamilton USA 27

Restaurants / Bars and Taverns ISO GL

Class Code

Asian style restaurants, full service, no liquor sales 16900

Asian style restaurants, full service, with liquor sales less than 30% of total revenue

16910

Asian style restaurants, take-out only 16902

Asian style restaurants, with seating, no table service, no liquor sales 16901

Bakeries, coffee & doughnut shops, juice bars, sandwich, salad, soup establishments - no seating

16901

Bakeries, coffee & doughnut shops, juice bars, sandwich, salad, soup establishments - no table service, but with seating

16901

Bakeries, coffee & doughnut shops, juice bars, sandwich, salad, soup establishments - with table service

16900

Bars & Taverns, with Sales of Alcoholic > 75% of Receipts - with limited cooking - without dance floor

16931

Bars & Taverns, with Sales of Alcoholic > 75% of Receipts - Bar service only (no tables) without dance floor

16941

Bars & Taverns, with Sales of Alcoholic > 75% of Receipts - limited restaurant service such as buffets without dance floor

16930

Diners 16900

Family Style Restaurant, full service, with liquor sales less than 30% of total annual revenue

16910

Family Style Restaurant, full service, with no liquor sales 16900

Fast Casual, full service, no liquor sales 16901

Fast Casual, full service, with liquor sales less than 30% of annual revenue 16910

Fast Casual, no table service, but with seating, no liquor sales 16901

Fast Casual, no table service, but with seating, with liquor sales less than 30% of annual revenue

16911

Fast Food 16821

Fine Dining, no liquor sales 16900

Fine Dining, with liquor sales less than 30% of total annual revenue 16910

Fine Dining, with liquor sales more than 30%, but less than 75% of total annual revenue

16916

Ice cream, yogurt, frozen dessert establishments 16901

Pizzerias, full service, no liquor 16900

Pizzerias, full service, with liquor sales less than 30% of total revenue 16910

Pizzerias, take-out only 16902

Hamilton USA 28

RETAIL

» Targeted business includes traditional retail establishments, and businesses with Internet sales no more than 75% or less of total revenue.

» Maximum of $5M in sales » Sales of imported merchandise is acceptable if the manufacturer also has U.S.-based

operations. » Repackaging and/or relabeling of products is ineligible. » Premises and operations must exhibit above average housekeeping and maintenance. » The condition of outdoor premises, including walkways and parking lots must be well lit

and in good repair. » Central station burglar alarming is required for any location with $500,000 or greater in

Business personal property coverage, including inventory. » Ineligible operations include:

Goods directly imported by the applicant Gas stations Auto sales (new or used) Tobacco stores including E-Cigarette/Vape stores Sales of firearms or ammunition Check cashing or pawn shop operations Children’s clothing sold under the insured’s own brand or label Adult book and novelty stores Furniture stores with antique sales or reupholstering operations Delivery operations are ineligible, unless the applicant owns vehicles that

account for all deliveries Sales of second-hand, antique, or used merchandise

» Applicants vacant or closed seasonally for over 90 (180 for FL) days are ineligible, those vacant or closed seasonally between 30 and 90 (180 for FL) days eligible for basic form only

Retail ISO GL

Class Code

Appliance Stores - Household Type 10042

Automobile Parts and Supplies Stores 10071

Bicycle Stores - Sales and Servicing 10150

Books and Magazines Stores - Not-For-Profit only 10205

Books and Magazines Stores - Other than Not-For-Profit 10204

Building Material Dealers - New 10255

Camera and Photographic Equipment Stores 10309

Candy Stores 10352

Catalogue, or Premium Redemption Stores 11020

Clothing Stores- Not-For-Profit 11128

Clothing Stores- Other than Not-For-Profit 11127

Computer Stores 11160

Department or Discount Stores 12356

Drug Stores 12374

Drug Stores- with table or counter service for beverage or food 12375

Hamilton USA 29

Retail (continued) ISO GL

Class Code

Electronics Stores 12393

Fabric Stores 12510

Fence Dealers 12651

Floor Covering Stores 12805

Florists 12841

Furniture Stores 13351

Gift Shops - Not-For-Profit only 13507

Gift Shops - Other than Not-For-Profit 13506

Grocery Stores 13673

Hardware Stores 13716

Hearing Aid Stores 13759

Hobby, Craft or Artists' Supply Stores 14101

Home Improvement Stores 14279

Jewelry Stores 14655

Liquor and Wine Stores 10145

Meat, Fish, Poultry or Seafood Stores 15224

Music Stores - pre-recorded 16676

Musical Instrument Stores 15538

Newsstands 15608

Optical Goods Stores 15839

Paint, Wallpaper or Wallcovering Stores 15991

Painting, Picture or Frame Stores 15993

Shoe Stores 18110

Soft Drinks and Beer Stores 10146

Stationery or Paper Products Stores 18335

Stores NOC - food or drink- Not-for-profit only 18436

Stores NOC - food or drink- other than Not-For-Profit 18435

Variety Stores - Not-For-Profit only 18912

Variety Stores - Other than Not-For-Profit 18911

Vending Machines 49619

Hamilton USA 30

WHOLESALE

» Maximum of $5M in sales » Sales of imported merchandise is acceptable if the manufacturer also has U.S.-based

operations. » Repackaging and/or relabeling of products is ineligible. » Premises and operations must exhibit above average housekeeping and maintenance. » The condition of outdoor premises, including walkways and parking lots must be well lit

and in good repair. » Central station burglar alarming is required for any location with $500,000 or greater in

Business personal property coverage, including inventory. » Ineligible operations include:

Goods directly imported by the applicant Gas stations Auto sales (new or used) Tobacco including E-Cigarette/Vape stores Sales of firearms or ammunition Check cashing or pawn shop operations Children’s clothing sold under the insured’s own brand or label Adult book and novelty stores Furniture stores with antique sales or reupholstering operations Delivery operations are ineligible, unless the applicant owns vehicles that

account for all deliveries Sales of second-hand, antique, or used merchandise

» Applicants vacant or closed seasonally for over 90 (180 for FL) days are ineligible, those vacant or closed seasonally between 30 and 90 (180 for FL) days eligible for basic form only

Wholesale ISO GL

Class Code

Barber or Beauty Shop Supplies Distributors 10111

Beverage Distributors - alcoholic other than beer 10140

Beverage Distributors - nonalcoholic and beer 10141

Clothing Distributors 11126

Equipment, Fixtures or Supplies Dealers and Distributors 12467

Floor Covering Dealers and Distributors 12797

Fruit, Nut or Vegetable Distributors 13112

Heating and Air Conditioning Equipment Dealers and Distributors 13930

Janitorial Supplies Dealers and Distributors 14527

Lawn and Garden Equipment Dealers and Distributors 15063

Newspaper or Magazine Distributors 15607

Solar Energy Equipment Dealers and Distributors 13461

Hamilton USA 31

OFFICES & SERVICES

» Appetite includes a number of different professional services, civic, social, or service clubs, and trade associations

» Maximum payroll of $3M » No hosted or sponsored events such as pub crawls or alcohol drinking games (civic,

social, or service clubs) » Liquor liability limits up to $1M/$2M available (civic, social, or service clubs) » Liquor license must never have been revoked or suspended (civic, social, or service

clubs) » Liquor liability coverage must not have been denied, cancelled, or non-renewed in the

past 3 years (civic, social, or service clubs) » No health citations in the past 3 years (civic, social, or service clubs) » No ambulatory surgery involving general anesthesia (medical and dental offices) » Applicants over 40% vacant or seasonally closed for over 90 (180 for FL) days are not

eligible, 30-40% vacant or seasonally closed for over 90 (180 for FL) days only eligible for basic form

Offices and Services ISO GL

Class Code

Advertising and Related Services - Not For Profit 61227

Advertising and Related Services - Other that Not For Profit 61226

Barber Shops 10113

Beauty Parlors and Hair Styling Salons 10115

Carpet, Rug or Upholstery Cleaning 11007

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 Not-For-Profit

41667

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

Consultants 41677

Dental Offices 66561

Draftsmen 91805

Engineers or Architects - consulting - not engaged in actual construction 92663

Event, Party or Wedding Planners 44280

Funeral Homes or Chapels 43889

Golf Courses- Miniature 44069

Interior Decorators 96611

Laundry and Dry Cleaning Stores 14733

Lawyers Offices - Not-For-Profit only 66123

Hamilton USA 32

Offices and Services (Continued) ISO GL

Class Code

Lawyers Offices - Other than Not-For-Profit 66122

Mail Box or Packaging Stores 15070

Mailing or Addressing Companies 45937

Marine Appraisers or Surveyors 97308

Medical Offices 66561

Photo Finishing Laboratories 57997

Piano Tuning 98405

Portable Toilet Rentals 19061

Professional and Trade Associations - Other than Not-For-Profit 46881

Professional and Trade Associations- Not-For-Profit only 46882

Sales or Service Organizations 47367

Shoe Repair Shops 18109

Surveyors - land 99471

Tailoring or Dressmaking 18507

Taxidermists 49005

Upholstering 99826

Window Decorating 49840

Hamilton USA 33

HABITATIONAL

» Target appetite is Apartments, Condos and Townhouses » Max 200 units per account » Ineligible occupancies include: group homes, apartment hotels, timeshares, boarding

houses, dedicated student housing, hostels, and assisted living » No residential units above six stories – three stories or higher requires second means of

egress, five stories or higher requires a sprinkler system » 100% subsidized public housing which is government controlled and managed is

ineligible. » 6 month or greater leases (risks with units rented by rehabilitation or inpatient/outpatient

facilities ineligible). » Multi-use occupancies including day care (including adult), automotive repair/body

shops, gym/martial art studios or movie theaters only eligible for basic form » All pools must comply with the Virginia Graeme Baker Act » Restaurant occupancies must comply with industry standards (i.e., NFPA 96, including

regular maintenance & cleaning of extinguishing systems & equipment including UL AES 300, by qualified contractors)

» All enclosed interior common areas (if any) must be equipped with UL listed smoke detectors

» Within the last 5 years, the applicant must not have been found legally liable regarding any complaint alleging wrongful eviction, discriminatory rental practices, invasion of privacy or other legal violations, regarding their management or ownership of any rental property

» Applicants over 30% vacant or seasonally closed for over 90 (180 for FL) days are not eligible

» Condo units rented to others shall be rated as apartments (Please ensure the Condominium Association Coverage Form CP 00 17 is attached to all of these policies by choosing condominiums as the first Hamilton Class on the Policy Information Screen on HQS)

Habitational ISO GL

Class Code

Apartment Buildings, without Mercantile Occupancies, 11 to 30 Units 60010

Apartment Buildings, without Mercantile Occupancies, over 30 Units 60010

Apartment Buildings, without Mercantile Occupancies, up to 10 Units 60010

Apartments with Mercantile Occupancies, Over 30 Units 60010

Apartments with Mercantile Occupancies, Up to 10 Units 60010

Apartments with Mercantile Occupancies, Up to 10 Units 60010

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

Garden Style Apartments over 30 units 60011

Garden Style Apartments up to 10 units 60011

Garden Style Apartments up to 11- 30 units 60011

Hamilton USA 34

Habitational (continued) ISO GL

Class Code

Residential Condos up to 10 Units 62003

Residential Condos, 11-30 units 62003

Residential Condos, over 30 Units 62003

Townhouses, Over 30 Units 68500

Townhouses, up to 10 Units 68500

Townhouses, up to 11-30 Units 68500

Hamilton USA 35

COVERAGES HUSA’s CPGL product is based off of ISO CP and GL forms, with use of proprietary endorsements to strengthen coverages, providing you with the requisite tools to meet your clients’ needs, while enabling you to compete effectively in the small business marketplace. All coverages are subject to state-specific restrictions and availability.

ENHANCEMENTS Included in our enhancement forms, is a suite of industry-specific broadening endorsements:

» PLUS Property Enhancement » ULTRA Property Enhancement » General Liability Enhancement

PROPERTY ENHANCEMENT

COVERAGE Additional Premium

PLUS LIMITS $100

ULTRA LIMITS $150

Outdoor Signs $15,000 $25,000

Employee Theft $15,000 $25,000

Forgery or Alteration $2,500 $2,500

Money and Securities $15,000 $25,000

Lock Replacement $2,500

$100 Deductible $5,000

$100 Deductible

Fire Extinguisher System Expense

$7,500 No Deductible

$15,000 No Deductible

Reward Payment $2,500 $5,000

Food Contamination

$5,000 for extra expenses $5,000 for business income

$2,500 for additional advertising expenses

$10,000 for extra expenses $10,000 for business income

$5,000 for additional advertising expenses

Spoilage Coverage $15,000 $25,000

Artificially Generated Electrical Current

$2,500 $5,000

Money Order and Counterfeit Money

$1,500 $1,500

Accounts Receivable None

$25,000 at Described Premises

$1,500 not at Described Premises

Mobile Equipment $15,000 $25,000

Outdoor Storage Shed $15,000 $25,000

Hamilton USA 36

COVERAGE (cont.) Additional Premium

PLUS LIMITS (cont.) $100

ULTRA LIMITS (cont.) $150

Realty Tax Assessment (Only applies the Named Insured has purchased Business Income coverage on the policy)

$15,000 $25,000

Personal Effects And Property Of Others

$10,000 $15,000

Valuable Papers and Records $5,000 at described

premises

$10,000 at described premises

$5,000 not at described premises

Property Off Premises $5,000 $10,000

Outdoor Property

$15,000 Subject to the following sublimits:

• Fences and retaining walls - $5,000 per occurrence

• Outdoor radio, television, satellite or other antennas -

$7,500 per occurrence • Trees, shrubs and plants - $2,500 per occurrence, but not more than $500 for any

one tree, shrub or plant

$25,000 Subject to the following sublimits:

• Fences and retaining walls - $5,000 per occurrence

• Outdoor radio, television, satellite or other antennas -

$15,000 per occurrence • Trees, shrubs and plants - $5,000 per occurrence, but not more than $500 for any

one tree, shrub or plant

Computers (including Media) $15,000 $25,000

Pollutant Clean-Up And Removal

None Limit Increase from $10,000

to $25,000

Personal Property Broadening of coverage by modification of exclusions

Broadening of coverage by modification of exclusions

Breakage of Chinaware Elimination of Chinaware from Breakage Limitation

Elimination of Chinaware from Breakage Limitation

GENERAL LIABILITY ENHANCEMENT

COVERAGE

Additional Premium PLUS & ULTRA LIMITS

$150

Additional Insured – Primary & Not Contributory Included

Blanket Additional Insureds – Broad Form Vendors Included

Liberalization Clause Included

Newly Formed or Acquired Organizations Included

Non-Owned Watercraft (<52 feet) Included

Personal Injury Contractual Exclusion Deleted Included

Waiver of Transfer of Rights of Recovery Included

Limits apply per job/location Included

Hamilton USA 37

OTHER AVAILABLE PROPERTY COVERAGES INCLUDE

» Legal Liability » Increased limits for Green Upgrades » Ordinance and Law » Additional limits for Debris Removal » RCC roof coverage, including cosmetic (wind/hail) » Utility services direct damage coverage » Utility services time element coverage » Spoilage coverage » Discharge from Sewer, Drain, Sump » Sprinkler leakage » Discretionary payroll expense » Distilled spirits and wines – market value » Leasehold Interest

OTHER AVAILABLE LIABILITY COVERAGES INCLUDE

» Employment Benefits Liability » Personal and Advertising Injury » Full Contractual Liability » Pollution Liability provides exception for hostile fire and heating/cooling equipment

UNDERWRITING GUIDE - Hamilton Insurance Group · UNDERWRITING OVERVIEW & ELIGIBILITY At HUSA, we...

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