Distinguished Programs has designed
a new style of application. It is designed to be user friendly and easy to complete.
Sections I, II, and III are presented first to quickly eliminate risks that do not
qualify for our program. Section IV follows, which collects the information needed
to rate and quote your risk. Combine this easy to complete application with quick
quote turnaround and 24 hour electronic policy issuance . . . why go anywhere else?
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SECTION I: BUILDING/EXPOSURES
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The following buildings/exposures
are either not eligible or eligible with restrictions: |
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1. Not Eligible: |
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a. Buildings older than 25 years that have not had the roof and building systems
updated in the
last 25 years.
b. Buildings with occupancy of less than 75% of the total units,
unless new construction or gut rehabbed
within one year of the proposed effective date of coverage.
A certificate of occupancy must be issued prior
to the effective date of coverage. (If still under construction, please
revisit us when building is complete!)
c. Buildings with aluminum wiring unless repaired through "pig-tailing",
CO/ALR devices, or COPALUM
crimp connector.
d. Buildings with Armed Security - exception for Courtesy Police
Officers who reside at the property.
e. Hotels or Resorts
f. Churches/Religious Institutions
g. Boarding/Rooming Houses/Single Room Occupancy (SRO)
h. Mobile Home/Trailer/RV Parks
i. Enclosed Malls
j. Industrial Buildings
k. Self-storage buildings
l. Warehouses
m. Risks that host flea markets, amusement rides, concerts or other special
events.
n. Risks that allow drivers under the age of 21 whether the insured
supplies an owned or hired vehicle or
allows employees under the age of 21 to drive their own vehicle to
conduct the insured's business.
o. Buildings with the following occupancies: |
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i. |
Hospitals or health care clinics other than doctor's offices
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ii.
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Governmental or Political Offices
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iii.
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Restaurants without Ansul Systems
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iv.
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Nightclubs, dance halls, or any occupancy with a cabaret license
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v.
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Adult entertainment |
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vi.
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Strip shopping centers with check cashing operations or bars as tenants |
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p. Buildings with the following kinds of claims within the last five years:
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i. |
Violent acts, suchas assault, rape, or shootings |
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ii. |
Class action lawsuits |
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iii. |
Construction defect lawsuits
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2. Eligible with restrictions:
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a. Buildings with Commercial Occupancies ¬ must meet
ALL of the following criteria to be eligible: |
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i.
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Commercial operations may not be operated by the insured other
than property management offices. |
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ii. |
All commercial tenants must be required to provide proof of liability insurance
to the landlord and include
the landlord as an additional insured. |
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b. Buildings with short term rentals - must meet ALL
of the following criteria to be eligible: |
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i.
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No more than 50% of the units can be available for short term rental.
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ii.
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Minimum rental age is 24 years of age.
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iii.
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Minimum rental term is 7 days when building is greater than 6
stories. |
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c. Vacant Land – must be fenced if within city limits or if outside
of city limits, posted no hunting, no
trespassing, and no parking.
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d. Housing with more than 50% of the units occupied by undergraduate students,
unless
Distinguished Programs writes the primary. Must submit risk to student
housing program. Separate
application required.
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