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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

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)

Financial Insurance