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Underwriting Appetite
· Dude ranches where horseback
riding is the primary activity
· Resort dude ranches where
horseback riding is featured,
along with other diverse activities
· Working dude ranches, with
cattle or livestock operations |
Ineligible Classes
· Resorts where horseback riding is not the
main activity
· Hourly rental operations
· Cabin rentals only
· Bed & Breakfasts
(refer to our PAC Unit, visit
http://www.inninsurance.com/)
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Program Coverage Features
Liability
· Aggregate is 3 times the
occurrence limit. Approved
memberships are eligible for 5
times the occurrence limit.
· $100,000 fire legal
· $6,000 medical payments
· Advertising and personal injury
liability
Property
· Insurance coverage forms available
are basic, broad and special
· Replacement cost coverage
· Business interruption
· Spoilage coverage
· Custom and Elite Hospitality
broadened enhancement forms
○ Includes coverages such as:
accounts receivable, business
income with extra expense,
consequential damage,
contractual penalties, debris
removal, electronic data
processing, fine arts,
inventory and appraisals, newly
acquired buildings and business
personal property, ordinance or
law, pollutant clean up, valuable
papers, water back-up from sewer
drain |
Inland Marine
· Insureds' and customers' personal
property and equipment
Crime
· Employee dishonesty, robbery and
burglary
· Commercial Excess/Umbrella Liability
· Limits up to $10 million
Optional Coverages
· Key employee replacement expense
· Commercial auto
· Bailee's coverage
· Horse mortality
· Disease and contamination
· Mechanical breakdown
· Employment practices liability
· Homeowners coverages and personal
liability for owner-occupied main
dwellings or lodges used as a primary
residence
· Care, Custody and Control of non-
owned horses
· Sex abuse
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