Main Street Business - Property
Main Street Business - Property

Appetite Guide
Sample Policy

Main Street Business - Property


Eligible States: Florida

We are offering a special form property including wind product to include calendar year hurricane deductible options as well as ordinance and law coverage for main street business classes.


Eligibility and Authority Levels
  • Retail, wholesale, office, service, artisan contractors, hotels/motels, restaurants, lessor risk buildings, strip shopping centers, religious organizations, technology offices, and golf and country clubs.

Coverage Included
  • Property including wind and hail
  • Building and Business Personal Property
  • Business Income/ Extra Expense

Eligible Territories
  • Florida- All counties excluding Monroe

Features and Options
  • Property Enhancement Endorsement
  • AOP Property deductibles ranging from $1,000 to $25,000
  • Wind/ Hail deductibles 2%, 3%, and 5% Hurricane only & Named Storm
  • Agreed Amount Building Property option
  • Greensurance for environmental friendly upgrades
  • Ordinance or Law with options of Full Coverage A with 2.5%, 5%, and 10% Coverage B& C combined

Eligibility and Authority Levels
  • Up to $1,500,000 per location
  • 1980 or newer
  • $1000 Minimum Premium

Properties Not Acceptable
  • Properties located in a fire district with public protection class 8-10
  • EIFS considered if not over Frame or Non Combustible or decorative only
  • Buildings under construction, renovation or conversion
  • Buildings containing lead paint in interior or exterior areas
  • Buildings with existing or cracking damage
  • Buildings with aluminum wiring
  • Any business with more than two outstanding mortgages
  • Any risk with an arcade or if Lessor's Risk Only if the arcade is 100% of the building

Carriers

*** Disclaimer: This is a general eligibility summary and other guidelines can and will apply. #MAINSTREET