AmTrust BOP Manual - AmTrust North America

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‣ Beer and wine sales over 25% of total sales or ANY liquor sales ‣ Extended-stay motels where a majority of the occupants stay longer than 1 week ‣ Exterior room access ‣ Fire place in guest rooms ‣ Locations with more than 1 swimming pool or that have diving boards, slides, uncontrolled access or lack any life safety requirements ‣ Non-Card Key entry ‣ Residential motels ‣ Resort and Large Convention Center type hotels ‣ Seasonal closures (closed more than 30 consecutive days) Ineligible Related to Restaurants: ‣ Beer and wine sales over 25% of total sales or ANY liquor sales ‣ Capacity over 150 seats ‣ Cooking appliances that emit smoke or grease-laden vapors that are NOT covered by an automatic extinguishing system meeting UL300 criteria of NFPA Standard #96, or that are NOT inspected under a current maintenance contract at least every quarter ‣ Open broiling or solid fuel cooking with wood, charcoal or mesquite OFFICES Square Footage –250,000 total floor area (35,000 for storage buildings) Annual Gross Revenue – $15,000,000 maximum per location Total Insured Value (TIV) – $15,000,000 total of buildings and personal property per location Building Age – Greater than 30 years without updates to the heating, roof, electrical and plumbing systems are ineligible Construction – All ISO construction types Height – more than 10 stories are ineligible Business Personal Property – Offices that occupying less than 50,000 square feet in one building Eligible occupants – Apartments, wholesaler, mercantile, processing & service occupancies (less than 50,000 square feet) and contractors (less than 7,500 square feet or less than 15% of building total area) Ineligible: ‣ Buildings over 20% vacant ‣ Educational offices housing facility ‣ Financial Office (bank, building and loan associations, savings and loan associations, or credit unions) ‣ Government Offices ‣ Medical Urgent Care, clinic or walk-in centers, or surgery of any type ‣ Not-For-Profit organizations ‣ Open 24 hours ‣ Political, Social or Life issues offices ‣ Real Estate Management – Real Estate Agencies, Homeowner and Condo Associations are eligible <strong>AmTrust</strong> Financial Services, Inc. 12.15.10 Page 16
‣ Utility offices (including electric, garbage, gas, telephone, water, etc) ‣ Web site hosting or internet service providers PROCESSING AND SERVICE RISKS Square Footage – 50,000 maximum (35,000 for storage buildings) Annual Gross Revenue – $5,000,000 per location Total Insured Value (TIV) – $15,000,000 total of buildings and personal property per location Building Age – Greater than 30 years without updates to the heating, roof, electrical and plumbing systems are ineligible Construction – All ISO construction types Height – More than 2 stories are ineligible Ineligible: ‣ Off-premises operations exceeding 50% of Sales ‣ Seasonal operations or those open 24 hours RESTAURANTS – Limited Cooking and Fast Food Only Square Footage – 7,500 maximum (35,000 for storage buildings) Annual Gross Revenue – $5,000,000 maximum per location Total Insured Value (TIV) – $5,000,000 for the total of buildings and personal property per location Building Age – Greater than 30 years without updates to the heating, roof, electrical and plumbing systems are ineligible Construction – Frame require automatic sprinkler systems, otherwise all other ISO construction types Ineligible: ‣ Alcoholic beverages brought onto premises by customers (BYOB arrangements) ‣ Bar/Lounge, Tavern ‣ Bars or taverns ‣ Beer and wine over 25% of total sales or any liquor sales ‣ Dance Floor ‣ Drink specials (i.e., 2 for 1, happy hour promotions) ‣ Hired and non-owned auto coverage when employees use personal vehicles for delivery ‣ Live entertainment ‣ Maximum 10% of sales from off-site catering ‣ Seasonal operations or those open 24 hours ‣ Play ground (inside or outside) ‣ Seating capacity over 150 Ineligible Related to Cooking: ‣ Cooking appliances that emit smoke or grease-laden vapors that are NOT covered by an automatic extinguishing system meeting UL300 criteria of NFPA Standard #96, or that are NOT inspected under a current maintenance contract at least every quarter ‣ Open broiling or solid fuel cooking with wood, charcoal or mesquite <strong>AmTrust</strong> Financial Services, Inc. 12.15.10 Page 17
Page 1 and 2: AmTrust BOP Manual Underwriting & P
Page 3 and 4: Contractors are currently NOT Eligi
Page 5 and 6: SCHEDULED RATING PLAN Schedule rati
Page 7 and 8: Businessowners Coverage Form BP 00
Page 9 and 10: Coverage Coverage Type Businessowne
Page 11 and 12: ADDITIONAL INSURED Additional Charg
Page 13 and 14: BOP ELIGIBILITY GUIDELINES GENERAL
Page 15: ‣ Check cashing ‣ Playgrounds
Page 19 and 20: SELF-STORAGE FACILITIES Square Foot
Page 21 and 22: PROGRAM Grocery Stores Grocery Stor
Page 23 and 24: PROGRAM Mercantile Mercantile Merca
Page 25 and 26: Mercantile PROGRAM DESCRIPTION CLAS
Page 27 and 28: PROGRAM DESCRIPTION CLASS CODE SIC
Page 29 and 30: Mercantile Mercantile PROGRAM DESCR
Page 31 and 32: Office Office Office Office PROGRAM
Page 33 and 34: PROGRAM Processing and Service DESC
Page 35 and 36: PROGRAM Processing and Service Proc
Page 37 and 38: Wholesale PROGRAM DESCRIPTION CLASS

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