Definitions of Coverage

Please check your specific proposal of Coverage Outline. These definitions are listed for discussion only, and your coverage may be different. Please ask if you have questions.

STANDARD COVERAGE

GENERAL LIABILITY: Will pay those sums that the insured becomes legally obligated to pay as damages because of a lawsuit or claim involving accidental bodily injury or property damage on the insured's premise during the normal course of business. Typically this includes legal defense cost.

PROPERTY/CONTENTS: Will pay for direct physical loss of damage to covered unattached physical items such as tables, chairs, inventory, etc. located at the insured's premises, and caused by or resulting from any covered causes of loss, such as Fire, Theft, Windstorm, etc.

PROPERTY/TENANT IMPROVEMENT: Will pay for direct physical loss or damage to covered attached physical property which was originally paid for by the tenant.

PROPERTY/BUILDING: Will pay for direct physical loss or damage to a covered building from a covered peril such as Fire, Theft, Windstorm, etc.

OPTIONAL COVERAGE

LIQUOR LIABILITY: Will pay those sums that the insured becomes legally obligated to pay as damages because of a lawsuit or claim involving bodily injury or property damage on and off premise resulting from patrons of your establishment that were served alcohol.

ASSAULT & BATTERY: Coverage for third party liability claims arising out of any assault or battery. Coverage is patron to patron or employee to patron. 

HIRED/NON-OWNED VEHICLE LIABILITY: Provides contingent excess liability for Hired (rented) vehicles and non-owned vehicles (vehicles owned by employees and driven for company business.) Limits are the same as the General Liability policy. 

GLASS: Coverage provided for broken or damaged glass windows and doors. Glass is not covered under a typical Property/Building policy unless items are specifically listed.

WORKERS' COMPENSATION: Can be required by state law. Provides coverage for your employees and other independent contractors, if they are injured on the job.

MONEY & SECURITIES: Theft of money & securities by holdup or theft. Coverage is on and off premise. Cash money is typically not covered under your Property/Content policy. 

LOSS OF EARNINGS: Will pay for the actual losses sustained due to the necessary suspension of your operations from a covered peril, during a specified period of restoration. 

ACCIDENTAL MEDICAL: Provides medical reimbursement expense for accidental injury; Employees, Spectators, Participants, Volunteers, and Performers may be insured.


APPLICATION

For access to CSI’s stable of Companies please follow the steps below:

First email info at CSI to see if our programs are available in your state.
steve@csicoverage.com

If confirmed please follow the steps below to receive a quote. Process usually takes 7-10 days unless needed sooner. We have been able to turn quotes around in 24 hrs but this limits us to the number of carriers we can quote with.

• Download the application (Word doc) (You will need Adobe Acrobat Reader.) or complete our online form.
• Fill out the questionnaire and fax or email to our office

Once we receive your application you will be contacted by an account executive to walk you through the quoting process.

Before binding, we will need loss information and prior carrier information. Current Loss Runs can be obtained through your current agent or company Sample letter provided via PDF. Please put it on your letterhead and fax to your company or agent.