• homePageRotator2
  • Criminal Justice Program
  • ActiveAssailantInsurance
  • UndergroundStorageTanks
  • ParksmartValetInsurance
  • travel to Cuba Insurance
  • MunicipalitiesInsuranceHome
  • Alarm Contractor Insurance
  • cyber threat2
  • non profit insurance
  • Oil gas contractor insurance
  • Church-Insurance
  • Apartment-Building
  • Contractor-Liability
  • Grocery-Store
  • Security 2

Restaurant Insurance

restaurant-ownerRestaurant owners have unique needs when it comes to insurance. W.A. George will cater a custom insurance program that serves the needs of restaurant, diners, family restaurants, franchise owners, coffee shops, ice cream parlors, cafés and caterers.

W. A. George provides insurance for Restaurant owners and policy features that restaurant owners need:

  • Loss of Income Insurance
  • Worker’s Comp Insurance
  • Property Coverage
  • Valuable Papers Coverage
  • General Liability Insurance

Contact W.A. George for full details on the policy coverage. 

Restaurant Package Policy Details

Types of Coverage & Limit per Occurrence
• Broad form general liability………………………………………………..... $2,000,000
• Building glass covered without sublimit……………………………………..Included
• Newly acquired buildings……………………………………………………...$500,000
• Newly acquired personal property……………………………………………$100,000
• Ordinance or law (FC only)……………………………………………………$50,000
-Tenants improvements and betterments included
• Water damage backup of interior sewers/drains……………………...........$25,000
• Debris removal additional coverage………………………………................$25,000
• Personal property off premises…………………………………….......……..$25,000
• Personal effects…………………………………………………………..…….$10,000
• Electronic data……………………………………………………………....….$100,000
• Data breach advisory services
• Off-premises sign coverage……………………………………………………$5,000
- Loss of business income (covered causes of loss)………………………....12 months
- Loss due to action by civil authority……………………………….……………4 weeks
- Loss due to contamination (or contamination threat)………….….………….3 weeks
- Loss due to dependent properties………………………………….…………..3 weeks
- Loss due to violent acts………………………………………………....……….3 weeks

  • Loss due to service interruption
  • No distance limitation
  • All covered causes of loss, including equipment breakdown
  • Transmission lines are included

• Extended business interruption : recovery period………………………………60 days
• Customer expense reimbursement……………………………………………….2 weeks
• Equipment breakdown:
-Data restoration……………………………………………………………….......$100,000

Types of Coverages & Limit per Occurrence
• Outdoor property…………………………………………………………….......$20,000
• Spoilage…………………………………………………………………….........$100,00
• Food Contamination………………………………………………………….....$25,000
• Pollution cleanup……………………………………………………………......$50,000
• Watercraft…………………………………………………………………..........$5,000
• Crime…………………………………………………………………….............$10,000

  • Money and securities
  • Counterfeit currency
  • Forgery and alteration
  • Extortion
  • Funds transfer fraud
  • Computer fraud

• Employee dishonesty……………………………………………………….....$50,000
• Employee Practices Liability Insurance (EPLI)…………………………......$5,000
• Special events-business personal property………………………………....$10,000
• Guest property……………………………………………………………........$15,000
• Accounts receivable……………………………………………………….......$30,000
• Valuable papers……………………………………………………………......$30,000
• Fine arts…………………………………………………………………...........$25,000

  • Sponsored athletic events-general liability
  • Special events-general liability
  • No athletic participation liability exclusion
  • Franchise Endorsement

If your business is a franchise, you may want to purchase our Franchise Endorsement to get the following
coverages.

Types of Coverage & Limit per Occurrence
Increased cost to repair due to 
▪ franchise agreement……………………………………………………….................$50,000
Business income and extra expense due to a contamination loss
at another franchise location……………………………………………….................3 weeks
▪ Grantor of franchise listed as an additional insured at no charge.

 

Church Insurance

Church-InsuranceReligious organizations need insurance to keep their members safe and to protect their locations. The program covers houses of worship, religious affiliated schools, camps, mosques & synagogues.

W. A. George provides insurance for Church & Religious organizations with the following coverage options:

  • Policy include property, Equipment Breakdown, Inland Marine
Crime, General Liability, Professional Liability, Abuse, Automobile
  • Fine Arts for religious artifacts
  • Broad definition of building coverage extends to stained glass
  • Umbrella/Excess any limit needed
  • Professional Liability including pastoral counseling, teachers, cemetery
  • Water/Flood coverage included
  • Medical payments for volunteers included
  • Church members as additional insurers included
  • Automobile coverage for available for church vans and buses
  • W.A. GEORGE has been doing this since 1972

Contact W.A. George for full details on the policy coverage. 

 

 

Underground Storage Tank Insurance

underground-storage-tank-insuranceUnderground Storage Tank Insurance Coverage Description

An underground storage tank system is a tank and any underground piping connected to the tank that has at least 10 percent of its combined volume underground. The federal UST regulations apply to only underground tanks and piping storing either petroleum or certain hazardous substances.
 
The underground storage tank program is primarily implemented by states and territories. Your first point of contact is the state or territorial regulatory agency that has jurisdiction where the USTs are physically located. In Illinois it is Illinois Environmental Protection Agency (IEPA).

Commercial Storage Tank insurance provides coverage for releases commencing after the policy retroactive dates that emanated from scheduled storage tank systems for clean-up costs on site as well as third party losses. The coverage can be used to meet US EPA financial responsibility requirements.

Highlights of our Commercial Storage Tank Coverage

  • Claims-made coverage
  • Coverage for releases that start after the retroactive date on the policy
  • Coverage for releases from scheduled storage systems
  • Pays for necessary corrective action to clean up contamination from scheduled storage tanks
  • Pays compensation for bodily injury and property damage to third parties that an insured is legally obligated to pay as a result
  • Of a release from scheduled tank system
  • Meets U.S. EPA Financial Responsibility requirements
  • Defense is provided outside the limit of liability
  • Covers for spills from loading and unloading necessary to operate the tank system
  • Coverage usually with limits of $1,000,000 for each claim and $1,000,000 for all claims
  • Can offer up to $50,000,000

Eligibility Requirements

  • Underground and above ground tanks with no age limit
  • Petroleum based contents
  • Tanks which are in U.S. EPA compliance
  • Underground storage tanks with capacity up 50,000 gallons
  • Above ground storage tanks with capacity up to 100,000 gallons
  • Total combined capacity at location up to 200,000 gallons

More Regulatory Information
U.S. Environmental Protection Agency
Illinois Environmental Protection Agency (IEPA)

Certificate Tracking Services

Certificate-Tracking-ServiceReal estate firms routinely wrestle with the issue of accurately accessing their risk exposure generated by their core business activities and contractual obligations. These contractual obligations are often complex and require the ability to:

  • Quickly and accurately provide and verify evidence of insurance from tenants, property management, vendors and suppliers
  • Demonstrate expertise in the area of contract compliance, verifying coverage types, coverage limits, coverage effective dates and additional insured status, including endorsement review
  • Secure compliance from tenants and third party vendors or implement alternatives to force place coverage or deny payment for services
  • Communicate status of all interested parties: risk management, property manager, legal, etc.

W.A. GEORGE CERTIFICATE TRACKING OFFERS A SOLUTION

Real Estate clients that contract W.A. George for assistance with their compliance needs can rely upon
Service certificate of insurance tracking solutions leveraging state–of-the-art web-based software and comprehensive business services to:

  • Automate and centralize the administration of the third-party insurance compliance for our clients by managing their COIs
  • Evaluate certificates based on contract requirements
  • Review additional insured endorsements where required
  • Monitor compliance, including follow-up for non-compliant vendors
  • Request renewal certificates prior to expiration
  • Generate compliancy status reports
  • Document history of certificate status and review process
  • Store insurance documents electronically for easy retrieval by client

FAST AND ACCURATE ASSESSMENTS

The W. A. George certificate tracking center provides an efficient way to companies to manage risk from sub-contractors, vendors and suppliers.

W. A. George delivers quality control and service standards that can improve operational performance in the following areas:

  • Accounts payable/receivable functions
  • Accuracy in the verification of sub-contractors, vendors and suppliers required insurance protection
  • Compliance to internal quality control standards with documented certificate status, review process and correspondence

REDUCES WORKLOAD

W.A. GEORGE provide 72-hour turnaround for transcription and compliance reviews

  • On-demand reports
  • Protected, customer-owned data
  • Initial requests for evidence of insurance
  • Notifying non-compliant parties, clearly communicating insurance deficiencies and setting compliance deadlines

WHY W.A. GEORGE?

  • Insurance expertise
  • Experience with tracking
  • Accuracy
  • Consistent delivery
  • Highest level of customer service

Hotel & Motel Insurance

Hotel & Motel InsuranceYou’re all about anticipating needs and exceeding expectations of service which is why W.A. George Insurance Agency has a comprehensive insurance program for innkeepers that even includes liability coverage for guest’s property at no additional charge.  

It’s a small detail that can make a big difference to the success of a business like yours. Through our long-standing industry expertise and consistent emerging needs, we’ve earned excellent marks throughout the industry Welcome to W.A. George Insurance Agency.

Enjoy your stay.

W. A. George provides insurance for Hotel & Motel owners with the following coverage options:

Types of Coverage                                          Limit per Occurrence

  • Broad form general liability
  • Building glass covered without sub-limit

Newly acquired buildings…………………………………………$500,000
Newly acquired personal property……………………………….$100,000
Ordinance or law (RC only)……………………………………......$50,000

  • Tenants improvements and betterments included

Water damage backup of interior sewers/drains…………….......$25,000
Debris removal additional coverage……………………………….$25,000
Personal property off premises…………………………………….$25,000
Personal effects……………………………………………………...$10,000
Electronic data………………………………………………………$100,000

  • Data breach advisory services

Off-premises sign coverage………………………………………….$5,000
Loss of business income (covered causes of loss)……………12 months
-Loss due to action by civil authority……………………………….4 weeks
-Loss due to contamination (or contamination threat)……………3 weeks
-Loss due to dependent properties…………………………………3 weeks
-Loss due to violent acts…………………………………………….3 weeks

  • Loss due to service interruption
  • No distance limitation
  • All covered causes of loss, including equipment breakdown
  • Transmission lines are included

Extended business interruption: recovery period…………………60 days
Customer expense reimbursement………………………………..2 weeks

Equipment breakdown:
-Data restoration……………………………………………………..$100,000

  • Computers at personal property limit
  • No coinsurance penalty
  • Fire extinguishing equipment recharge
  • Liquor liability

 

 

 

Financial Insurance