Cannabis Operations Insurance
General Liability Provides Basic Coverage
General liability insurance is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and other situations that may arise including slander, libel, copyright infringement and more.
The three main categories of coverage include:
- Premises Liability: This coverage is to suffice a lease requirement for slip, trip and fall hazards.
- Medical Payments: Supplements medical payments for slip, trip and falls and can prevent occurrence claims.
- Hired/Non-hired auto: Incident coverage to vehicles being used in the cannabis business.
We recognize that general liability insurance is not always required and that it is tempting for cannabis business owners to forgo the expense.
Unfortunately, a single accident could result in a lawsuit that quickly uses up resources and often results in compromising the business or worse.
General Liability doesn’t only pay for damages, it may also provide costly legal defense. When you obtain general liability coverage, you are investing in protection that will keep your business running during the natural ‘ups and downs’.
Grocery Store Insurance
Your 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 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
- Strength of A.M. Best A++ Carrier
- Claims adjusters with extensive experience
- Interest free installment billing plan
- Replacement cost coverage
- Equipment breakdown coverage available
- Blanket limits with large in-house capacity
- Sewer back-up coverage
- The ability to combine crime, boiler, auto under one policy
- Earthquake and flood available in most jurisdictions
- 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
The 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
The 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