Fireworks Stands

No Permanent Buildings in Excess of 500 sq. ft.

Rating Basis & Coverage:

h	Per Location, Per Stand
h	Premises Operations Only (OL&T)

Limits:

h	Limits are available up to $1,000,000 Occurrence, $2,000,000 General Aggregate.
h	Rates for this class applies to short term policies and are 100% FULLY EARNED.

Deductible:  Minimum $250.00 deductible per claim, including LAE.

Underwriting:

h	Determine experience of operation; location as respects parking and adjacent structures; no smoking signs posted.
h	Exclude any fireworks demonstrations on premises of the insured.
h	This insurance is understood to be excess of any other valid & collectible insurance.

Pricing:

h	$1,000,000 Occurrence / $2,000,000 General Aggregate $550.00
h	$500,000 Occurrence / $1,000,000 General Aggregate $450.00
h	$300,000 Occurrence / $600,000 General Aggregate and under $350.00
h	$50.00 charge for AI (landlord only, any others to be referred to company)
h	Terrorism, FULLY EARNED $150.00 minimum premium charge

Classification:  Fireworks -  code 43628

Forms:

h	CG0001(10/01) Commercial General Liability Coverage Form
h	M/E-001(1/07) Combination General Endorsement
h	M/E-002(1/07) Additional Conditions Endorsement
h	M/E-048(4/99) Deductible Endorsement
h	M/E-089(4/99) Fire Legal Liability Exclusion
h	M/E-143(4/99) Minimum Earned Premium Endorsement - fill in 100% fully earned premium
h	M/E-159(4/99) PI & AI Exclusion
h	M/E-173(4/99) Prod./Comp. Ops. Exclusion
h	M/E-217(11/99) Designated Premises Endorsement
h	CG2135(10/01) Exclusion – Coverage C – Medical Payments
h	CG2169(1/02) War or Terrorism Exclusion
h	011-1054(10/03) Policy Jacket
h	M/E-009(4/99) Additional Insured Endorsement (if applicable)

Wondering where you are going to place that next account?  We have many options available to help you... Just ASK!