Hood and Duct Cleaning

• General Liability
• Professional Liability (Errors & Omissions)
• Products/Completed Operation
• Contractual Liability
• Employment Practices Liability
• Property
• Crime
• Inland Marine
• Auto
• Umbrella
• Bonds

Liability Coverage may include:

• Limits up to $1 million per occurrence/$3 million aggregate
• E & O Professional Liability – at policy limits
• Premises and Completed Operations
• Employees as Additional Insureds
• Employment Practices Liability (claims-made coverage)
• Fire Legal Liability – $100,000 (higher limits available)
• Medical Expenses – $5,000
• Personal and Advertising Injury
• Newly acquired organization – 90 days
• Employee benefits (claims-made coverage)
• Contractual Coverage
• Faulty Workmanship – $25,000

• Umbrella – limits up to $10,000,000
• Electronic media
• Business Interruption Coverage
• Crime – Employee Dishonesty
• Mobile Equipment
• EDP Coverage
• Installation Floaters
• Equipment and Tool Floaters
• Auto (not available in Michigan)

Bonds:

• License and permit bonds
• Business service bonds
• ERISA bonds

Property Coverage may include:

• Building Coverage – replacement cost or actual cash value
• Contents Coverage  – replacement cost or actual cash value
• Equipment Breakdown included on Building and Contents
• Business Income (with extra expense and 0 hour waiting)
• Blanket Insurance
• Mine subsidence (specific IL, IN & KY counties)
• Earthquake
• Utility Service – direct damage
• Utility Service – time element

Note: All coverages may not be available in all states.

Program Requirements

• Installers must be licensed or certified.
• NFPA guidelines must be followed.
• A $500 property damage deductible per claim is required.