Commercial Insurance Underwriters  
Newsletter
January 2014
CONTACT CIU
Phone: 417- 883-3277
or
1-800-241-9759

Fax: 417-883-3393

901 E Saint Louis St. 
Suite 205
Springfield, MO 65806

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LIQUOR LIABILITY
Eligible accounts include Restaurants, Bars/Taverns, Clubs, Convenience Stores, Grocery Stores, Hotels/Motels, Package/Liquor Stores, Special Events, Breweries, Wineries and Liquor 
Manufacturers/Distributors 

* Available on a monoline        or  package basis. 
* Low Minimum Premiums 
 
Liquor Liability Coverage
* Primary Limits up to $1,000,000 Occurrence/
$3,000,000 Aggregate
* No Deductible required
* Additional Interests available-$100 each
* Excess or Umbrella Limits up to $25,000,000 
 
 
 
 
USED CAR DEALERS & GARAGE REPAIR RISKS
Call CIU if you need coverage for used car dealers! We also write all kinds of garage service risks. If your standard markets turn you down, turn to CIU for a great quote! We have several markets at our disposal, allowing us to find you the very best quote. No need to make calls, send emails and fill out apps for every broker on your list. CIU has contracts with many of the top markets for this class and we would like the chance to pursue a great quote for you and your insured!


PERSONAL LINES

MONOLINE PERSONAL LINES PROPERTY

 More standard companies are adopting the policy to not write a homeowner risk unless they write the insured's auto coverage.  Or, if they do not write the primary home, they will not write a seasonal, vacant or rental dwelling.  If you are running into issues trying to place these monoline properties, let CIU assist you.  Send us a homeowner or dwelling app today.

Marsha Peck, ext 236, mpeck@ciusgf.com will be glad to provide a quote for these risks.  

JANITORIAL PROGRAM
CLEAN UP WITH OUR JANITORIAL PROGRAM
Property and Liability Coverages available on monoline or package basis for janitorial services including interior construction make-ready operations, window cleaning and crime scene cleanup. We offer primary limits up $3M. The coverage includes blanket additional insured, lost key coverage, and property damage extension, and no deductible is required. Crime coverage is also available! When it comes to contractors, Janitors aren't our only specialty! CIU is still the place for all of your other artisan contractor classes, including: Handymen, plumbers, roofers, demolition contractors, exterminators, landscapers, welders, tree trimmers and many more!
 
Call or email us for a quote today. Online rating is also available on our website at www.ciusgf.com

 

        ON THE BOOKS
Commercial Lines

Carpentry Contractor- $1M/2M GL, includes blanket AI, WOS, & per project          $2980
    aggregate. $78k annual payroll.

Lessor's Risk Only- $673k Property TIV, $1M/2M GL, 15625 sqft.                          $6415

Beauty Parlor/Salon w Massage & Tanning- $546k property TIV, $1M/2M GL          $8910

Liquor Store w Tobacco & Gasoline Sales- $1.6M Gross receipts, 450k gallons         $9140
    of gasoline, $1.5M property TIV- exclude theft.

Roofing/Remodeling Contractor- $1M/2M GL w/ $2500 dedt. Includes blanket      $12050
    AI, WOS & per project aggregate, $63k payroll, $80k cost to subs.

Metal Scrap Dealer (no processing)- Pkg policy, $400k sales, $605k property,         $6340
    and $57k in contractors equipment.

Chiropractic Table Manufacturer- Claims made CGL with $700k sales, $585k          $9230
    property TIV. 

Apartments & Vacant Building- $3M/3M GL limits, $1M property TIV                   $10090

College- Educators E&O $1M/2M limits, $10k retention                                     $21465

Taxi Company- Auto: $300k Auto CSL, 7 Taxi's, 100 mile radius                         $31363

Waste/Refuse Collection- Auto: $1M CSL, 6 power units, 100 mile radius             $24706

Texas Vacuum Truck Operation- hauling water for the oil & gas industry,            $43830     $1M CSL, 3 power units, 200 mile radius. $2M/2M GL limits.
 
Personal Lines

AR - Primary HO-3, $1.6M TIV w/ 2 losses. Secondary HO-3 $220k TIV.                 $6528
    $2M personal umbrella.

OK - HO-3, Earth Home- $348k TIV                                                                 $1532

TX - HO-3, $585k TIV                                                                                   $1819

MO - HO-3, $894k TIV, seasonal.                                                                    $3239

OK - SIC HO-8, has an in home day care, $170k TIV                                           $843
 


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