This program is intended for the small business owner and is driven by certain exposure base guidelines. This tailored, industry specific program, provides insurance solutions for small business owners that are not available through standard forms or other insurance carriers. Special ‘niche’ programs are available as listed below.
Utica First Businessowners Classifications
· Type 1 is up to 2000 sq. ft. public area. Bakeries, deli’s, take out restaurants and pizza shops.
· Type 2 is up to 5000 sq. ft. public area. Liquor Liability up to 40% of receipts.
· Type 3 is Taverns. No nightclubs, live entertainment or dancing. (Liquor Liability unavailable)
· This program is designed for businesses involved in the retail sale of gasoline and related products in addition to sales of grocery items, dairy products or delicatessen type services with cooking exposures. 24 operations and car wash exposures are acceptable.
· Automobile service stations and/or repair facilities with convenience store.
· Body Shops with NFPA approved booth.
· This policy was designed to cover the small business owner, operating a retail sales establishment and who occasionally travels with inventory, to shows and fairs.
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