Apartments

We are a market for apartments and garden apartments used as private living facilities, and are rented by the month, year, or on a lease or month-to-month basis.


PROPERTY

  • Basic, Broad or Special Form
  • Equipment Breakdown Included Automatically
  • Property Extension Endorsement


GENERAL LIABILITY
Maximum limits available:

  • $2,000,000 general aggregate
  • Included products/completed ops aggregate
  • $1,000,000 personal/advertising injury
  • $1,000,000 per occurrence
  • $100,000 damage to rented premises
  • $1,000 medical payments
  • Silent assault and/or battery
  • Low minimum premium
  • No liability deductible


AUTHORIZED

  • Apartment buildings not exceeding 25 stories
  • HUD or subsidized housing

Artisan & General Contractors

We are a market for small to medium sized Artisan and General Contractors engaged in construction of commercial or residential projects.


Product Highlights:

  • Basic, Broad or Special Form
  • Property Extension Endorsement
  • Inland Marine
  • Low Minimum Premium
  • No Liability Deductible


General Liability:
Maximum limits available:

  • $2,000,000 General Aggregate
  • $2,000,000 Products/Completed Operations Aggregate
  • $1,000,000  Personal/Advertising Injury
  • $1,000,000 Occurrence
  • $100,000 Damage to Rented Premises
  • $1,000 Medical Payment Maximum Limit


Authorized:

  • Artisan Contractors performing one or two trades and no more than 25% of operations or $100,000 in sub-contractor costs.
  • General Contractors including paper contractors and remodelers – residential and commercial.
  • Per project aggregate is available
  • Blanket additional insured is available

We are a market for a select group of bars, taverns, sports bars, fine dining, family dining, fast food restaurants and pizza parlors.


Property

  • Basic, broad or special form
  • Equipment breakdown
  • Property extension endorsement


Product Highlights

  • Basic, Broad and Special Form
  • Equipment breakdown coverage
  • Property Extension Endorsement


General Liability

Maximum limits available:


  • $2,000,000 general aggregate
  • $2,000,000 products/completed ops aggregate
  • $1,000,000 personal/advertising injury
  • $1,000,000 per occurrence
  • $100,000 damage to rented premises
  • $1,000 medical payments
  • Assault & battery coverage may be purchased if eligibility guidelines are met.

  • Low minimum premiums

  • No liability deductible

  • Bars, taverns, cocktail lounges, neighborhood pubs/saloons and sports bars.
  • Risks with gaming machines (not casinos).

Restaurants, Bars & Taverns

Liquor Liability

  • Policy limits up to $1,000,000 per occurence                          
  • $1,000,000 aggregate
  • Defense costs covered in addition to the policy limit
  • Additional insured coverage available
  • No deductible
  • Assault & battery for risks which qualify
  • Full or sub-limits available
  • Low minimum premiums
  • No liability deductible


Product Specifics

  • Fine dining, family dining and fast food restaurants,  bars and taverns
  • Pizza parlors
  • Clubs: Private and social
  • Risks with gaming machines are authorized


"SERVING UP PROFITS"

Specialty Lines

Liberty Excess Specializes In Providing Top To Bottom Insurance Coverage For Virtually Any “Difficult To Insure” Property Or Risk. 


Our professional experts will gladly assist in educating you in fulfilling the goals of your clients while guaranteeing their business

is safe in your hands.

8 Smedley Lane Newtown Square, Pennsylvania 19073

610-356-2200

Give Us A Ring !!

We Deliver !!

"SERVING UP OUR SPECIALTIES!"

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Liberty Excess & Surplus, Inc.