Underwriting Guidelines
Construction
- Annual receipts/sales up to $50,000,000.
- Total vehicle count not to exceed 50
If exposures exceed any of the above guidelines please contact us for assistance at 866-308-8555 or e-mail underwriting@ezumbrella.com
- No engineering or design work
- All sub-contractors used must maintain same underlying limits and contractor must have contract indemnifying insured and naming insured as additional insured evidenced by certificate of insurance
- Submit a FULL description of all operations
- Individual or policy year aggregate losses, paid or reserved, for amounts greater than $100,000 during the last five (5) full policy periods may require additional loss information.
- Concrete:
- High rise or foundations up to 10 stories
- Electrical:
- No airport, emergency or subway lighting, or security
- Landscaping/Gardening:
- No pools, excavation, tree surgery, tree removal, patios or concrete work
- Work involving scaffolding:
- No scaffolding over three stories
- Plumbing:
- No fire protection sprinkler work (single-family private residence fire protection sprinkler work by referral)
- No process piping (for chemicals or petroleum)
- No railroad construction
- No home builders
Hospitality
- Maximum of 20 locations.
- Maximum of 1000 rooms per location.
- Maximum building height of 30 stories
- Maximum of 30 boat slips
- Total vehicle count not to exceed 30
If exposures exceed any of the above guidelines please contact us for assistance at 866-308-8555 or e-mail underwriting@ezumbrella.com
- Cooking facilities must meet Fire Safety codes
(Fire suppression systems, fire extinguish systems)
- Hi-rise buildings should be either fire-resistive or non-combustible material
- There must be at least two (2) means of egress from each floor, properly marked
- All interior stairwells must be completely enclosed with non-combustible material and have at least a Class B fire door
- Leases from all tenants must contain: Hold Harmless and Indemnification Agreements, and must require Certificates of Insurance including landlord as additional insureds
- No boarding or rooming houses, seasonal risks, unusual sports facilities such as ski lifts, boat rentals or night clubs
- Submit a brief description of all operations
- Individual or policy year aggregate losses, paid or reserved, for amounts greater than $100,000 during the last five (5) full policy periods may require additional loss information
Manufacturing
- Revenue up to $60,000,000
- Total vehicle count not to exceed 35.
- Hauling up to 250 mile radius
- No more than 10 tractor trailers
If exposures exceed any of the above guidelines please contact us for assistance at 866-308-8555 or e-mail underwriting@ezumbrella.com
- Submit a brief description of all operations
- Individual or policy year aggregate losses, paid or reserved, for amounts greater than $100,000 during the last five (5) full policy periods may require additional loss information.
Real Estate
- Total number of locations not to exceed 30.
- Maximum of 1000 rooms per location.
- Maximum building height 30 stories.
- Maximum of 30 boat slips
- Total vehicle count not to exceed 35
If exposures exceed any of the above guidelines please contact us for assistance at 866-308-8555 or e-mail underwriting@ezumbrella.com
- Cooking facilities must meet Fire Safety codes
(Fire suppression systems, fire extinguish systems)
- Hi-rise buildings should be either fire-resistive or non-combustible material
- There must be at least two (2) means of egress from each floor, properly marked
- Leases from all tenants must contain: Hold Harmless and Indemnification Agreements, and must require Certificates of Insurance including landlord as additional insureds
- No insured owned or operated garages, retail or wholesale operations
- No construction operations other than for own properties
- All sub-contractors used, must maintain same underlying limits and contract must contain indemnification of contractor and be backed up with acceptable insurance certificate evidencing contractor as additional insured
- Submit a brief description of all operations
- Individual or policy year aggregate losses, paid or reserved, for amounts greater than $100,000 during the last five (5) full policy periods may require additional loss information.
Restaurant
- Total number of locations not to exceed 30.
- Maximum of 30 boat slips
- Total vehicle count not to exceed 20
If exposures exceed any of the above guidelines please contact us for assistance at 866-308-8555 or e-mail underwriting@ezumbrella.com
- Cooking facilities must meet Fire Safety codes
(Fire suppression systems, fire extinguish systems)
- Hi-rise buildings should be either fire-resistive or non-combustible material
- There must be at least two (2) means of egress from each floor, properly marked
- All interior stairwells must be completely enclosed with non-combustible material and have at least a Class B fire door
- Having no more than 50% of sales derived from the sale of alcohol
- No Disco, Night Club, or Comedy Club exposure
- Submit a brief description of all operations
- Individual or policy year aggregate losses, paid or reserved, for amounts greater than $100,000 during the last five (5) full policy periods may require additional loss information.
Retail
- Total number of locations not to exceed 30.
- Building area for each location not to exceed 50,000 square feet
- Total vehicle count not to exceed 35.
If exposures exceed any of the above guidelines please contact us for assistance at 866-308-8555 or e-mail underwriting@ezumbrella.com
- If liquor sold, required limit is 1M/1M per location
- Security personnel – If independent contractors, must have contract indemnifying insured and naming insured as additional insured, evidenced by certificate of insurance for limits of $1M
- Any Armed Security Guards or dogs is a decline
- Submit a brief description of all operations
- Individual or policy year aggregate losses, paid or reserved, for amounts greater than $100,000 during the last five (5) full policy periods may require additional loss information.
Service
- Revenue up to $60,000,000
- Maximum of 30 boat slips
- Total vehicle count not to exceed 35.
If exposures exceed any of the above guidelines please contact us for assistance at 866-308-8555 or e-mail underwriting@ezumbrella.com
- Submit a brief description of all operations
- Individual or policy year aggregate losses, paid or reserved, for amounts greater than $100,000 during the last five (5) full policy periods may require additional loss information.
Wholesale
- Revenue up to $60,000,000
- Total vehicle count not to exceed 35
- Hauling up to 250 mile radius
- No more than 10 tractor trailers.
If exposures exceed any of the above guidelines please contact us for assistance at 866-308-8555 or e-mail underwriting@ezumbrella.com
- Not a market for any Wholesaler who contractually assumes liability in whole or in part for the product it sells
- Total tobacco sales not to exceed 20%
- Submit a brief description of all operations
- Individual or policy year aggregate losses, paid or reserved, for amounts greater than $100,000 during the last five (5) full policy periods may require additional loss information.