Preferred Property Program

Office Hours

Note: Our office will be closed on Monday, January 20th in observance of the Martin Luther King, Jr. holiday.



Coverage Highlights

RestaurantWe now have Equipment Breakdown coverage available for your restaurant clientele. We have designed this program to specifically target the needs of your clients’ restaurant exposures, at a very competitive rate; with higher sub-limits than are typically found with our competitors.

Our standard quote is for a combined Property Damage, Business Income and Extra Expense limit of $500,000. We can offer optional combined limits of $1,000,000 and $2,500,000. One great feature of our program is the combination of one deductible for property damage and spoilage losses; many other companies offer two separate deductibles. We have added a Utility Interruption endorsement which provides coverage going all the way back to the power grid, as opposed to within 1,000 feet of described premises. These are just a few of the enhancements we have put together for this class of business.

Combined PD and Spoilage Deductible $1,000 & $2,500 options

We have binding Authority to $20,000,000 in Property Limits!

Minimum Premium of $400! A-Rated Paper

Comprehensive Form Covering Boilers, Pressure Vessels, Mechanical & Electrical Machines including Air Conditioning, Refrigeration Equipment Electrical Apparatus and Electronic Computer or Electronic Data Processing Equipment including Production Machines

Combined PD, BI/EE; Ordinary Payroll:

  • At desired limit of $500,000, $1,000,000 or $2,500,000.
  • Property Damage Including Property in the Insureds Care Custody and Control and EDP Equipment

Combined PD and Spoilage Deductible:

  • $1,000 or $2,500 options

Sub Limits:

  • $50,000 - Spoilage
  • $50,000 - Utility Interruption
  • $100,000 - Water Damage
  • $100,000 - Ammonia Contamination
  • $100,000 - Expediting Expense
  • $100,000 - Hazardous Substance
  • $500,000 - Demolition Increased Cost of Construction

Business Income:

  • Combined with PD - Combined Business Income Including Extra Expense; and Ordinary Payroll
  • Deductible - 24 hours

Utility Interruption:

  • Electric, Gas, Steam and Water - Coverage is provided back to the originating power grid
    (not limited to within 1,000 feet).
  • Limit - Combined - as respects EE
  • Waiting Period - 24 Hours
  • Deductible - 24 Hour - As respects BI
  • Part of Combined - As respects Spoilage


  • 30 days - Notice of Cancellation except Non Pay
  • 90 days - Automatic Coverage for New Locations PD & BI


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