Product List

Penn-America writes a wide array of small- to medium-sized commercial accounts on a binding authority basis through its appointed commercial general agents. General liability, property, and related coverages (equipment breakdown, signs, glass, crime, inland marine, etc.) can be written as package policies. Monoline coverages are also available. The company offers target and niche programs through its appointed commercial general agents.

Penn-America continually searches for products and programs that mutually benefit the company, its general agents and its insureds. To view a brief description of each type of coverage, select from the box below. All product availability is subject to change:

Adult Day Care	Exercise and Fitness Professionals
Alarm Installers	E-Z Rate Artisans
Animal Care Professionals	Healing Arts Professionals
Apartments	In-Home Day Care
Beauty/Grooming Professionals	Motels/Hotels
Dwellings (LRO)	Pre-Cut Christmas Tree Lots
Builder's Risk	Restaurants
Contractor's Equipment	Special Events
Day Care - Commercial	Teaching Professionals
Equipment Breakdown	Umbrella Product
	Vacancy Risks

Adult Day Care
Program highlights:

• Designed for day care centers for active adults
• General and professional liability limits up to $1 million per occurrence
• High property limits available
• Other package coverages include building and business property, equipment breakdown,
  crime, glass, inland marine

Alarm Installers
Program highlights:

• Aimed at installers of security alarm systems in residences and businesses
• Limits up to $3 million per occurrence/$3 million general aggregate
• New ventures are eligible
• Errors and omissions coverage available
• Optional care, custody and control coverage
• Other package coverages include building and business property, equipment breakdown,
  crime, glass, contractors equipment
• High property limits available

Animal Care Professionals
Program highlights:

• Designed for grooming services, veterinarians, pet sitters, dog walkers
• General and professional liability limits up to $3 million per occurrence/$3 million general
  aggregate
• High property limits available
• Other package coverages include general liability, building and business property,
  equipment breakdown, crime, glass, inland marine

Apartments
Program Highlights:

• Limits of liability up to $3 million per occurrence/$3 million general aggregate

Specialties:

• High property limits available
• Liability up to $3 million per occurrence/$3 million general aggregate
• Broadened property coverage extensions
• Other package coverages include general liability, building and business property,
  equipment breakdown, crime, glass, inland marine
  

Beauty and Grooming Professionals
Eligible risks and program highlights:

• Designed for barbers, beauty salons, cosmetologists, manicurists, beauty schools
• General and professional liability limits up to $3 million per occurrence/$3 million general
  aggregate
• Tanning beds are eligible
• Other package coverages include building and business property, equipment breakdown,
  crime, glass, inland marine

Builder's Risk
Program highlights:

• Designed for buildings in course of construction or renovation
• Commercial and residential properties are eligible
• Range of policy terms (3, 6, 12 months)
• A variety of coverages and forms including:
  • General liability
  • Inland marine
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Contractor's Equipment
Program highlights:

• Mobile mechanical equipment - bulldozers, backhoes, cranes, compressors and others
• A variety of forms available
• Full coverage available on crane booms
• Replacement cost available on newer equipment
• Rented equipment coverage available
• Automatic coverage for newly acquired equipment

Day Care
Eligible risks include:

• Especially designed for commercial child day care centers

Program Highlights:

• General and professional liability limits up to $1 million per occurrence
• High property limits available
• Molestation or abuse coverage up to $1 million available
• Other package coverages include building and business property, equipment breakdown,
  crime, glass, inland marine

Dwellings LRO

Eligibility: one-, two-, three-, four-family dwellings rented to others

Equipment Breakdown
Program highlights:

• Specially designed for all owners of commercial property risks
• Add-on to existing property coverages
• Fills coverage gaps
• Covered systems include:
  • Air conditioners
  • Freezers
  • Compressors
  • Refrigerators
  • Heating systems
  • Boilers
  • Electrical equipment
  • Circuit breakers
• Coverage extensions include:
  • Computer networks
  • Cleanup costs
  • Temporary repairs
  • Refrigerant replacement
  • Spoilage
• State-required equipment inspections included
• No application required

Exercise and Fitness Professionals
Program highlights:

• Especially designed for exercise and fitness professionals:
• Health clubs
• Gymnasiums
• Toning salons
• Martial arts schools
• Self defense schools
• Athletic instructors - fitness, golf, swimming, tennis
• General and professional liability limits up to $3 million per occurrence/$3 million
  general aggregate
• Swimming pools and tanning beds eligible
• Other package coverages include building and business property, equipment breakdown,
  crime, glass, inland marine

E-Z Rate Artisans
Program highlights:

• Especially designed for the small artisan contractor
• Alarm installers
• HVAC dealers/distributors
• Janitorial services
• Landscapers
• Many other categories
• Limits up to $3 million per occurrence/$3 million general aggregate available
• Part-time and seasonal operations are eligible
• Short term policies available
• Care, custody and control property damage extension available
• New ventures are eligible
• Other package coverages include building and business property, equipment breakdown,
  crime, glass, inland marine

Healing Arts Professionals
Program highlights:

• Especially designed for physical, mental and spiritual care professionals such as: audiologists,
  clergy, counselors, nutritionists, social workers, therapists
• General and professional liability limits up to $3 million per occurrence/$3 million general
  aggregate
• Other package coverages include building and business property, equipment breakdown,
  crime, glass, inland marine
• Tanning beds and swimming pools eligible
  

In-Home Day Care
Eligible risks include:

• Especially designed for in-home child day care operations

Program highlights:

• General and professional liability limits up to $1 million per occurrence
• High property limits available
• Molestation or abuse coverage available
• Other package coverages include building and business property, equipment breakdown,
  crime, glass, inland marine

Motels/Hotels
Program highlights:

• General and professional liability limits up to $1 million per occurrence
• High property limits available
• Other package coverages include building and business property, equipment breakdown,
  crime, glass, inland marine
  
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Pre-Cut Christmas Tree Lots
Program highlights:

• Broad liability coverages including products, medical payments, fire legal and additional
  insureds
• Liability limits up to $3 million
• Flexible policy terms to meet insureds’ needs
  

Restaurants
Eligible risks include:

• Especially designed for eating establishments selling up to 40% liquor to total
• New ventures are eligible

Specialties:

• High property limits available
• Liability up to $3 million per occurrence/$3 million general aggregate
• Liquor liability (in many states)
• Other package coverages include building and business property, equipment breakdown,
  crime, glass, inland marine

Special Events
Some of the eligible risks:

A wide variety of eligible classes:

• Art shows
• Fund-raisers
• Walk-a-thons
• Dancers
• Bicycle races
• Flea markets
• Golf tournaments
• Ice cream socials
• Bingo nights
• Tennis tournaments
• Exhibitions
• Many others

Program highlights:

• Limits up to $3 million per occurrence/$3 million general aggregate
• Vendors can be added as additional insureds
• Liquor liability available in many states
• Participants coverage available for certain classes
• Inland marine coverage for stage equipment, snack bars, portable stands available

Teaching Professionals
Eligible risks and program highlights:

• Vocational and trade schools
• Independent instructors in:
  • Art
  • Dance
  • Computer science
  • Technology
  • Martial arts
  • Fitness
  • Golf
  • Swimming
  • Tennis
• General and professional liability limits up to $3 million per occurrence/$3 million general
  aggregate
  Other package coverages include building and business property, equipment breakdown,
  crime, glass, inland marine
• Swimming pools and tanning salons eligible

Umbrella Product
Eligible Risks:

• Both supported and unsupported umbrella policies

Program Highlights:

• Limits of liability up to $5 million available

Vacancy Risks
Program highlights:

• Especially designed for temporarily vacant buildings in the course of being renovated or sold
• Most properties qualify
• Course of construction risks considered
• Liability limits up to $3 million occurrence / $3 million general aggregate
• High property limits available
• Vandalism coverage available
• Personal property coverage available
• Competitive pricing
• 3 or 6 month policies available
• Coverage written using a variety of forms

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