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Criminal Justice Program

Criminal Justice Program

Our Criminal Justice Program provides a combined General Liability and Professional Liability form written specifically for criminal justice related risks and can include Property and Inland Marine (and other) coverages. 

Eligible Risks

  • Prisons (municipal or private)
  • Replacement Costs Available
  • Agreed Amount on Sub Limits
  • Business Income Available
  • Non-NFIP Product
  • Coverage is available on a primary basis
  • Various deductibles available

Options

Property

  • ACV-Replacement cost agreed amount
  • Building, Contents, Equipment, Business Income & Crime
  • Limits to $50 million

Liability

  • Commercial General Liability
  • Professional Liability
  • Incidental Medical Malpractice available for employed medical staff.
  • Sexual Misconduct Coverage
  • Punitive Damages (Policy Form Silent)
  • Defense Cost in Addition to policy limits
  • EPLI and EBL (available by endorsement)
  • Fire Legal Liability included
  • Directors & Officers
  • Limits to $10 million

 

Grocery Store Insurance

grocery store insuranceYour business is unique with significant risk. You need to cover your inventory, your parking lot, employees and large amounts of cash on hand along withe your customers.

W. A. George provides insurance for Grocery Store owners. 

The policy provides the following coverage:

  • Coverage to actual building structure
  • Coverage to business personal property
  • Coverage to store inventory
  • And more... 

Grocery Store Policy Highlights

Whether your grocery store is of the neighborhood or large chain variety, only W. A. George Insurance Agency gives owners like you this unique combination of property and casualty coverages and services in one comprehensive package.

Types of Coverage                               Limit per Occurrence

Broad form general liability……………………………………………$2,000,000
Building glass covered without sub-limit…………………………………...Included
Newly acquired buildings………………………………………………..$500,000
Newly acquired personal property………………………………………...$100,000
Ordinance or law (FC only)…………………………………………….......$50,000

  • Tenant’s 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……………………………………………Included
Off-premises sign coverage………………………………………………. $5,000

Types of Coverage                               Limit per Occurrence

Spoilage……………………………………………………………………..$100,000

  • Illinois-only limit: $50,000

Outdoor property……………………………………………………………..$20,000
Pollution cleanup…………………………………………………………... $50,000
Crime………………………………………………………………………….$5,000

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

Employee Dishonesty……………………………………………………….$50,000
Products recall expense……………………………………………………...$5,000
Fine arts…………………………………………………………………….$10,000
Property of others…………………………………………………………..$10,000
Accounts receivable……………………………………………………….. $20,000
Valuable papers……………………………………………………………..$20,000
Spoilage in on-premises vehicles/trailers…………………………………$25,000

  • Broadened building coverage (includes canopies, fuel tanks and gas pumps)
  • Sponsored athletic evens---general liability
  • Special events—general liability

 

 

Apartment Building Insurance

Apartment-Building-InsuranceApartment buildings require coverage for a variety of situations that put your property at risk. 

Coverage for fire, flood, electrical or crime secures your investment. Partner with the W.A. George team today for the right coverage. 

10 Reasons to Insure with W.A. George Insurance Agency for Apartment Building Insurance

  1. Strength of A.M. Best A++ Carrier
  2. Claims adjusters with extensive experience
  3. Interest free installment billing plan
  4. Replacement cost coverage
  5. Equipment breakdown coverage available
  6. Blanket limits with large in-house capacity
  7. Sewer back-up coverage
  8. The ability to combine crime, boiler, auto under one policy
  9. Earthquake and flood available in most jurisdictions
  10. W. A. George Insurance has over 40 years experience insuring apartment properties

If you rent an apartment, townhouse or house and are looking for renters insurance then contact W.A. George today. 

 

 

 

Ocean Marine Cargo Insurance

marine-cargo-insuranceThe Ocean Marine Cargo Insurance policy is for businesses that drive international and domestic commerce by water. This policy provides worldwide coverage of products and goods from origin to destination.

W. A. George provides insurance for businesses that move freight, cargo & products across international oceans or domestic water bodies. 

The policy provides the following coverage:

  • General Average losses and General Average contributions
  • Sue and Labor expenses incurred to prevent or mitigate a loss
  • Import Duty
  • Landing, warehousing and forwarding charges incurred as the result of an insured peril
  • Return shipments in the event of the refusal or inability of the assured or consignee to accept delivery at destination
  • Loss or damage resulting from war risks: strikes, riots and/or civil commotion
  • Theft and Hijacking
  • Shortage and Non-delivery

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

 

 

Security Guard Insurance

Security Guard shieldThe Security Guard insurance policy is for private security companies, government contractors, retail security professionals and residential security individuals.

W. A. George provides insurance for businesses that keep individuals and businesses safe.

The policy provides the following coverage:

  • Comprehensive general liability to $3,000,000
  • Property coverage replacement
  • Errors & omissions
  • Personal injury
  • Employee benefits liability
  • Assault & battery
  • False arrest coverage
  • Invasion of privacy
  • Libel & slander

W.A. GEORGE Insurance has over 40 years experience insuring this type risk

Financial Insurance