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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

 

Human Services Insurance

Human Services Insurance

Key Benefits
General Liability 

$3M Aggregate

  • Employees, Volunteers, and Insureds
  • Abuse and Molestation coverage
  • Blanket additional insured for funding
    sources and landlords
  • Medical payments for volunteers included


Property

  • Thirty-three additional coverage/extensions
  • Blanket limits available
  • Special Causes of Loss coverage
  • Equipment Breakdown coverage
  • Agreed Amount available with signed statement of values/property appraisal
  • Forty-two additional coverage/extensions
  • Ordinance or Law coverage – included
  • Limits to $1M each occurrence/
  • Ordinance or Law coverage – included

 

Umbrella/Excess Liability

  • Large Excess Limits available 
  • Automobile
  • Owned/non-owned/hired auto
  • Employees and Volunteers as Insureds coverage
  • Hired car physical damage

 

For a Quote Call
W.A. George Insurance Agency
312-729-5265

Medical Facilities Insurance

Medical Facility Insurance

Key Benefits


Property

  • Ultimate Coverage - broad proprietary property coverage form including Flood and Earthquake where available
  • Special Causes of Loss coverage on buildings,contents, loss of income, and extra expense
  • Agreed Value (no coinsurance) available
  • Blanket limits available
  • Back up of sewers and drains included as a cause of loss
  • Coverage for building foundations and underground pipes, flues, and drains included
  • Increased Cost of Construction coverage included • Demolition coverage included • Accounts Receivable coverage included
  • Valuable Papers coverage included
  • Alarm System Upgrade coverage provided

Automobile

  • Owned/non-owned/hired auto
  • Non-emergency owned auto
  • Hired car physical damage
  • Rental reimbursement for private passenger vehicles Crime and Fidelity
  • Employee Dishonesty
  • Forgery or Alteration
  • Theft, Disappearance, and Destruction
  • Money and Securities (inside/outside)
  • Money Orders and Counterfeit Paper Currency
  • Kidnap and Ransom-Extortion

Endorsement

Includes $50,000 limits each for Business Travel Accident Benefit, Donation Assurance, Emergency Real Estate Consulting Fee, Identity Theft Expense, Image Restoration and Counseling, Key Individual Replacement Expenses, Kidnap Expense, Terrorism Travel Reimbursement, and Workplace Violence Counseling. $25,000 limits for each Conference Cancellation, Fundraising Event Blackout, Political Unrest ($5,000 per employee), Temporary Meeting Space Reimbursement, and $1,500 Travel Delay Reimbursement

Crisis Management Enhancement Endorsement

$25,000 limit for crisis management emergency
response expenses incurred because of an
incident giving rise to a “crisis”

For a Quote Call
W.A. George Insurance Agency
312-729-5265

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. 

 

 

 

Financial Insurance