Hospitality Insurance

Hospitality Insurance Varies Depending on Several Variables. Please See The Chart Blow For Further Details.

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Some of the typical coverages that our policies offer:

Property, Inland Marine, and Crime Coverages

Limit of Insurance

Accounts Receivable – On Premises/Off Premises

$25,000* / $5,000

Alternative Key Systems – Reprogramming Costs

$50,000*

Back up of Sewer or Drains

$25,000

Business Income & Extra Expense (BI&EE

Actual Loss Sustained

BI & EE – 72-Hour Waiting Period Buyback

Included

BI – Tips included

Included

Building – Automatic Increase Amount

4%

Building – Newly Acquired or Constructed Property

$500,000

Building – Tenant Obligation

$10,000

Building Ordinance or Law – A

Included with building

Building Ordinance or Law – B & C Combined

$50,000*

Business Personal Property – Newly Acquired Or Constructed Property

$500,000

Business Personal Property Seasonal Increase

25%

Claims Expense

$5,000

Computer Fraud And Funds Transfer Fraud

$10,000*

Crime Conviction Reward

$10,000

Debris Removal

25% of loss+$10K

Electronic Data Processing & Media (EDP) – Blanket

$10,000* / $2,500

Employee Dishonesty

$10,000*

Extended Business Income

60 days

Exterior Building Glass

Included with bldg

Fine Arts – Blanket

$10,000* / $2,500

Fire Department Service Charge

$10,000

Fire Extinguisher Systems Recharge

$5,000

Forgery or Alteration

$5,000

Guests’ Evacuation Expense

$10,000

Guests’ Inconvenience Cost Reimbursement

$25,000 / $500

Guests’ Property

$10,000

Leasehold Interest

$10,000*

Lock Replacement Coverage

$5,000* / $5,000*

Lost Lease – Lessor’s  Interest

$5,000*

Money and Securities-Inside & Outside the Premise

$10,000*/ $2,500*

Money Orders and Counterfeit Paper Currency

$2,500

Ordinance or Law – Equipment

$10,000*

Outdoor Property – Antennas and Satellite Dishes

$10,000*

Outdoor Property – Trees, Plants, Shrubs and Lawns

$10,000*

Outdoor Property – Fences and Walls

$10,000* / $1,000

Outdoor Signs

$5,000*

Personal Effects

$2,500

Personal Property Off Premises

$10,000*

Pollutant Clean Up and Removal

$10,000

Premises Boundary

1,000 feet

Preservation of Property

30 days

Protection Response Service Expense

$10,000

Tenants Move Back Coverage

$5,000*

Unauthorized Business Card Use – Aggregate / Occurrence

$5,000 / $1,000

 

Utility Services – Direct Damage (Building)

$10,000*

Utility Services – Direct Damage (BPP)

$10,000*

Utility Services – Time Element

$5,000*

Valuable Papers – On Premises/Off Premises

$25,000* / $5,000

* Higher Limits Available

 

** Other Limits Available

 

Business Liability Coverages

Limit of Insurance

General Aggregate Limit 

As selected

Products and Completed Operations Aggregate Limit

As selected

Personal & Advertising Injury

Selected Occurrence limit

Each Occurrence Limit

As selected

Tenants Legal Liability

Selected Occ’ limit

Medical Expenses- Any one person

As selected

Newly Acquired or Formed Organizations – 90 days

As selected

Unintentional Errors and Omissions

Included with liability 

Pollution Exclusion – Hostile Fire Exception

Included with liability 

Services Errors and Omissions

$5,000

Delivery Errors and Omissions

$5,000

Other Helpful Resources

Three Steps To Success

We Will Help You Every Step Of The Way

IMD leads the way in providing products to specialized markets which include employees of federal, state, and municipal governments, small businesses as well as an array of support to other marketing organizations, agencies and producers.

01

Speak To One Of Our Licensed Insurance Specialists

One of our Specialists will give you a call to identify your families specific needs.

02

Learning About All Your Insurance Options

Once we know all of your options, we can start building a plan that’s right for you!

03

Your Agent Will Build A Custom

With tailored insurance plans, we can guarantee to find you what you and your family need!

we aren't afraid of trying new things

Be part of something great

If you want to be part of something great, you have honor, integrity, and intention to live a life. Being part of IMD Insurance & Financial Services LLC means you believe in Family, have Faith, and strive to be the best version of yourself every day. Our mission is to Inspire what is most important to our clients, staff, and team members that we are so privileged to work with. To motivate each other when we are struggling or down and consistently drive each other to be the best, they can be so that the people in their lives can be in a better place. Being part of something great is not giving up! 

We Will Help You Every Step Of The Way