Mall Owner

Liability Coverage

  • Covers your mall premises & any show booths (up to 4)
  • Product Liability for the merchandise you sell
  • Personal Injury Liability such as libel, slander, and false arrest
    • Does not cover Professional/Errors & Omissions Liability nor Contractual Liability

LIMITS

  • $1,000,000 Each Occurrence Limit
  • $1,000,000 General Aggregate Limit
  • INCLUDED Products/Operations Limit
  • $1,000,000 Personal & Advertising Limit
  • $100,000 Fire Damage Limit
  • $5,000 Medical Payments
  • $250 Deductible

RATES

Premium based on number of dealers

# of Dealers Annual Premium
1 to 100
$313.50
101 and up
$471.60

OPTIONAL LIABILITY COVERAGES

  • $21.08 per dealer to add to policy on a blanket basis as additional insured (all or none-not adjusted during policy period)
  • $131.75 for show coverage (over 4 shows)
  • $26.35 for each additional insured: landlord, etc.
  • $52.70 to increase aggregate to $2 million
  • $52.70 to increase per occurrence to $2 million
  • $52.70 for each space (not booths) you rent to others: offices, apartments, food areas, etc. (Lessors Risk)
  • $52.70 for a warehouse
  • $52.70 for an office location
  • $210.80 for a flea market or special event
  • $105.40 if you have a snack bar
  • $210.80 if you have a restaurant
  • $474.30 for auctions you conduct
  • $474.30 for estate sales you conduct
  • $105.40 for Hired/Non-Owned auto coverage

Inventory Coverage

  • Covers your inventory including inventory you own, furniture, fixtures & equipment.
  • Covers furniture, fixtures & equipment.
  • Covers your inventory for collision, theft, and vehicle overturn while in transit
  • Covers consigned inventory in your care & custody.
  • NO coinsurance penalty, however it is recommended that you carry insurance to the maximum value (your cost) of your inventory.
      Any loss is cost based unless stated otherwise on the policy.
  • Deductibles starting at $250. A wind deductible is required in Florida and other coastal areas.
      A wind deductible/exclusion is required in Florida and other coastal areas based off your proximity to the coast.
  • Coverage includes fire, lightning, windstorm, earthquake, burglary, robbery, accidental breakage and vandalism. Does not cover mysterious disappearance (shoplifting) or flood.
      This is not a complete list of exclusions. See policy for a complete list.
  • Coverage on fine jewelry limited to $2,500 per claim.
  • Coins and Stamps are NOT covered.
  • Per item limit $5,000 – can be increased to $10,000 for an additional premium.
  • Shipping coverage up to $5,000 per occurrence.

RATES

Amount of Coverage Annual Premium Amount of Coverage Annual Premium
$10,000
$171.21
$35,000
$474.76
$15,000
$232.34
$40,000
$534.84
$20,000
$292.42
$45,000
$595.97
$25,000
$353.55
$50,000
$656.05
>$30,000
$413.63
Over $50,000
Submit Application

OPTIONAL INVENTORY COVERAGES

  • LOSS OF INCOME – Coverage may be provided for loss of profit & continuing expenses should your business be interrupted by an insured peril.
  • EXTERIOR GLASS – Exterior glass coverage may be provided on non-owned buildings. (We will need a glass schedule with sizes & locations)
  • OUTDOOR SIGNS – Coverage for outdoor signs on or off premises.

APPLICATION

Download Mall Owner Application

Current membership in the Association is required to be eligible for the dealer insurance benefit. Rates include all taxes & fees and are subject to change at any time. Coverage is subject to policy exclusions, endorsements and provisions. Policy will not be bound until approved by underwriter.