Producer Online In Action

Checklist Instructions:

Agent: The coverages listed below are suggested for consideration for eating and drinking places. After evaluating each of the listed coverages, check the recommended blank by those that apply specifically to this client. Make sure both the exposure and the coverage are explained to the client. Each coverage and option is explained in the Supplement section of this program.

Client: For each of the coverages that the agent has recommended, initial whether you have chosen to accept or reject that coverage in the blanks provided.

CLIENT/AGENT COVERAGE CHECKLIST


PROPERTY COVERAGES
	Recommend	Accept	Reject	Not Applicable
Building and Personal Property Coverage Form
Building	______	______	______	______
Business Personal Property	______	______	______	______
Personal Property of Others	______	______	______	______
Improvements and Betterments	______	______	______	______
Building and Personal Property Coinsurance	______	______	______
Percentages None 80% 90% 100%	______	______	______	______
Bldg ___ ___ ___ ___	______	______	______	______
BPP ___ ___ ___ ___	______	______	______	______
PPO ___ ___ ___ ___	______	______	______	______
I&B ___ ___ ___ ___	______	______	______	______

Alternatives to Coinsurance
Agreed Value	______	______	______	______
Functional Replacement Cost	______	______	______	______
Peak Season	______	______	______	______
Reporting Form	______	______	______	______
Other ________________________	______	______	______	______

Optional Property Coverage Forms
Builders Risk	______	______	______	______
Commercial or Manufacturers Output Policy	______	______	______	______
Condominium-Unit-owners Coverage	______	______	______	______
Equipment Breakdown	______	______	______	______
Legal Liability	______	______	______	______
Standard Property Policy	______	______	______	______

Optional Property Endorsements
Additional Debris Removal	______	______	______	______
Ordinance or Law	______	______	______	______
Outdoor Trees, Shrubs and Plants Enhancement	______	______	______	______
Replacement Cost Valuation	______	______	______	______
Spoilage	______	______	______	______
Utility Services-Direct Damage	______	______	______	______


Other Property Options
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______

TIME ELEMENT COVERAGES
	Recommend	Accept	Reject	Not Applicable
Business Income With Extra Expense Coinsurance Percentage ___	______	______	______	______
Business Income Without Extra Expense Coinsurance Percentage ___	______	______	______	______
Extra Expense	______	______	______	______
Leasehold Interest	______	______	______	______
Alternatives to Coinsurance	______	______	______	______
Agreed Value	______	______	______	______
Maximum Period of Indemnity	______	______	______	______
Monthly Limit of Indemnity	______	______	______	______
Premium Adjustment	______	______	______	______

Optional Time Element Endorsements
Business Income from Dependent Properties	______	______	______	______
Ordinance or Law Increased Period of Restoration	______	______	______	______
Utility Services	______	______	______	______

Other Time Element Coverages
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______

PROPERTY AND TIME ELEMENT CAUSES OF LOSS
	Recommend	Accept	Reject	Not Applicable
Bldg BPP PPO BI EE
Basic ___ ___ ___ ___ ___	______	______	______	______
Broad ___ ___ ___ ___ ___	______	______	______	______
Special ___ ___ ___ ___ ___	______	______	______	______
Earthquake ___ ___ ___ ___ ___	______	______	______	______
Flood ___ ___ ___ ___ ___	______	______	______	______

Other Cause of Loss Endorsements
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______

INLAND MARINE COVERAGES
	Recommend	Accept	Reject	Not Applicable
Accounts Receivable	______	______	______	______
Bailees Customer	______	______	______	______
Commercial Articles	______	______	______	______
Difference In Conditions – DIC	______	______	______	______
Electronic Data Processing	______	______	______	______
Fine Arts	______	______	______	______
Goods in Transit	______	______	______	______
Signs (Neon and Electric)	______	______	______	______
Theatrical Property	______	______	______	______
Valuable Papers and Records	______	______	______	______

Other Inland Marine Coverages
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______

CRIME COVERAGES
	Recommend	Accept	Reject	Not Applicable
Money, Securities and Other Property
Employee Dishonesty	______	______	______	______
Including Customer’s Goods	______	______	______	______
Computer Fraud	______	______	______	______
Destruction of Electronic Data or Programs	______	______	______	______
Extortion	______	______	______	______
Forgery or Alterations	______	______	______	______
Guests Property	______	______	______	______
Identity Fraud Expense	______	______	______	______
Lessees of Safe Deposit Boxes (Securities and Other Property only)	______	______	______	______
Telephone Toll Fraud	______	______	______	______

Money and/or Securities Only
Theft, Disappearance and Destruction	______	______	______	______
Robbery and Safe Burglary	______	______	______	______
Securities Deposited With Others	______	______	______	______

Property other than Money and Securities
Premises Burglary	______	______	______	______
Premises Theft	______	______	______	______
Robbery and Safe Burglary	______	______	______	______

Other Crime Coverages
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______

LIABILITY COVERAGES
	Recommend	Accept	Reject	Not Applicable
Commercial General Liability
Occurrence Basis	______	______	______	______
Claims-Made Basis	______	______	______	______

Optional Liability Coverages
Cyber Liability	______	______	______	______
Directors and Officers	______	______	______	______
Employee Benefits	______	______	______	______
Employment-related Practices	______	______	______	______
Liquor	______	______	______	______
Owners and Contractors Protective	______	______	______	______
Special Events	______	______	______	______

Other Liability Coverages
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______
BUSINESSOWNERS POLICY	______	______	______	______

COMMERCIAL AUTO COVERAGES
	Recommend	Accept	Reject	Not Applicable
Liability	______	______	______	______
Physical Damage	______	______	______	______
Hired Cars	______	______	______	______
Non-Ownership Auto	______	______	______	______
P.I.P./No-Fault	______	______	______	______

Optional Automobile Coverages
Garagekeepers	______	______	______	______
Medical Payments	______	______	______	______
Uninsured Motorists	______	______	______	______
Underinsured Motorist	______	______	______	______

Other Auto Coverages
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______

WORKERS COMPENSATION COVERAGES
	Recommend	Accept	Reject	Not Applicable
Workers Compensation and Employers Liability	______	______	______	______
Stop Gap or Employers Liability Coverage	______	______	______	______
Federal Employers Liability Act	______	______	______	______
Longshore and Harbor Workers Coverage	______	______	______	______
Voluntary Compensation	______	______	______	______

Other Workers Compensation Endorsements
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______
EXCESS LIABILITY COVERAGES
	Recommend	Accept	Reject	Not Applicable
Umbrella Policy	______	______	______	______
Excess Liability Policy	______	______	______	______

AVIATION COVERAGES
Aircraft Policy	______	______	______	______
Passenger Liability	______	______	______	______

SPECIALTY COVERAGES
Environmental Impairment Liability Policy	______	______	______	______
Fiduciary Liability Insurance	______	______	______	______
International/Foreign Operations Insurance	______	______	______	______
Media/Communication Liability	______	______	______	______
Rain or Weather Insurance	______	______	______	______
Terrorism Insurance	______	______	______	______
Other Specialty Coverages
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______

BONDS
Bid Bond	______	______	______	______
Contract Bond	______	______	______	______
License and Permit Bond	______	______	______	______
Other Bonds
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______

OTHER OPTIONS
______________________________________	______	______	______	______
______________________________________	______	______	______	______
______________________________________	______	______	______	______

Comments

_______________________________________________________________________________

I certify that I have reviewed my coverage needs in accordance with this checklist with my agent and I have accepted or rejected the recommended coverages as indicated by my initials in the spaces above.

___________________________________ Signature of Client ______________________ Date

_____________________________________________ Title

I certify that I have reviewed the coverages outlined in this checklist with my client and that the initials of the client indicate the acceptance or rejection of the coverages recommended.

___________________________________ Signature of Agent _______________________ Date

Volume 106

OCTOBER 2015

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Category: Eating & Drinking Places Risk: Restaurants