Quote Proposal

Fast & Afordable Insurance for Your Business with Coterie

PRESENTED BY

Pascal Burke Insurance Brokerage, Inc

pascal@pbibinc.com

Enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

We've partnered with Coterie Insurance to make this process seamless and stress free.

Business Owners Policy

Yearly Option

Premium:
Annual Policy Fee:
Installment Fee:
Manage My Risk Program:
Broker Fee:

Future Monthly Payment:

What you'll pay over the year:

BEST VALUE!

Yearly Option

Monthly Option

Policy Details

Proposed Policy Dates
Carrier

Insured Details

Business Name
Business Address
Industry
Contact Name
Email
Phone Number

Property Coverage Overview

Coverages

Property Deductible - All Other Perils applies per occurrence
Business Personal Property Limit
Business Income Limit

Liability Coverage Overview

Coverages

Property Damage Deductible
General Liability (Each Occurrence) (Includes Bodily Injury, Property Damage and Personal & Advertising Injury)
General Liability (Annual Aggregate) (Includes Bodily Injury, Property Damage and Personal & Advertising Injury)
Products/Completed Operations Annual Aggregate
Damage to Premises Rented to You
Medical Expense Limit

Policy Add Ons

Restaurant Coverage

This coverage helps protect your restaurant from expenses associated with food spoilage or contamination.

Liquor Liability Coverage

This coverage protects your business for the sales, service, and furnishing of alcoholic beverages.

Additional Insureds

Blanket Additional Insured Bundle

Blanket Primary and Non-Contributory

Blanket Waiver of Subrogation

Construction Contract Requirement

Blanket Managers or Lessors of Premises

Blanket Lessor of Leased Equipment

Coverage Comparison and Details

Coverages	Limit
	Base Coverage	Silver Coverage	Gold Coverage	Platinum Coverage
Accounts Receivable on/off Premises	$10,000/$5,000	Blanket Limit of $150,000	Blanket Limit of $350,000	Blanket Limit of $500,000
Backup of Sewers and Drains	Not Included	Included	Included	Included
Brands and Labels	Not Included	Included	Included	Included
Business Income and Extra Expense - Websites	$50,000	$50,000	$50,000	$50,000
Business Income and Extra Expense	ALS	ALS	ALS	ALS
Business Income from Dependent Properties	$5,000	$50,000	$50,000	$50,000
Business Personal Property - Temporary portable storage units	$10,000	$10,000	$10,000	$10,000
Business Personal Property at Other Premises	$10,000	$25,000	$50,000	$50,000
Business Personal Property Off Premises	$10,000	$25,000	$25,000	$25,000
Civil Authority	up to Business Income limit	up to Business Income limit	up to Business Income limit	up to Business Income limit
Collapse	up to Business Income limit	up to Business Income limit	up to Business Income limit	up to Business Income limit
Computer Equipment	up to BPP limit	Blanket Limit of $150,000	Blanket Limit of $350,000	Blanket Limit of $500,000
Computer Fraud	Not Included	$5,000	$5,000	$5,000
Contract Penalties	Not Included	Not Included	$1,000	$1,000
Debris Removal	$25,000	Blanket Limit of $150,000	Blanket Limit of $350,000	Blanket Limit of $500,000
Electronic Data	$10,000	$10,000	$10,000	$10,000
Employee Dishonesty including ERISA compliance	Not Included	$25,000	$25,000	$25,000
Extended Business Income	60 days	90 days	12 months	12 months
Fine Art	Not Included	$25,000	$50,000	$75,000
Fire Department Service Charge	$2,500	$2,500	$2,500	$2,500
Fire Extinguisher Systems Recharge Expense	$5,000	$5,000	$5,000	$5,000
Forgery or Alteration	$2,500	$25,000	$25,000	$35,000
Increased Cost of Construction	$10,000	$10,000	$10,000	$10,000
Interruption of Computer Operations	$10,000	$10,000	$10,000	$10,000
Liability Claims Expense	$250/day	$250/day	$250/day	$250/day
Limited Coverage for Fungi, Wet Rot or Dry Rot	$15,000	$15,000	$15,000	$15,000
Money Orders & Counterfeit Money	$1,000	$1,000	$1,000	$1,000
Newly Acquired or Constructed Property	30 days	60 days	120 days	180 days
Newly Acquired or Constructed Property - Building	$250,000	$1,000,000	$1,000,000	$1,000,000
Newly Acquired or Constructed Property - BPP	$100,000	$500,000	$500,000	$500,000
Ordinance or Law - Demolition Cost	Not Included	Not Included	$25,000	$25,000
Ordinance or Law - Increased Cost of Construction	Not Included	Not Included	$50,000	$50,000
Ordinance or Law - Loss to Undamaged Portion of Building	Not Included	Not Included	Building limit	Building limit
Outdoor Property	$2,500	$25,000	$25,000	$25,000
Outdoor Property - Any 1 Tree, Shrub, or Plant	$1,000	$1,000	$1,000	$1,000
Outdoor signs (detached) - per sign	$1,000	$1,000	Building limit	Building limit
Pairs or Sets	Not Included	Included	Included	Included
Personal Effects	$2,500	$60,000	$60,000	$60,000
Personal Property in Transit	$10,000	$10,000	$25,000	$25,000
Personal Property Of Others - Replacement Cost	Up to BPP limit	Blanket Limit of $150,000	Blanket Limit of $350,000	Blanket Limit of $500,000
Pollutant Clean Up & Removal	$10,000	$10,000	$10,000	$10,000
Preservation of Property	30 days	30 days	30 days	30 days
Property Claims Expense	Not Included	$10,000	$10,000	$10,000
Sales Representative Samples	Not Included	$5,000	$25,000	$25,000
Sump Overflow or Sump Pump Failure	Not Included	$50,000	$50,000	$50,000
Tenant Building Coverage - Required by Lease	Not Included	$20,000	$20,000	$20,000
Tenant Glass - Exterior	Not Included	Not Included	Included	Included
Tenant Glass - Interior	Not Included	Not Included	Included	Included
Theft - Furs	$2,500	$2,500	$2,500	$2,500
Theft - Jewelry	$2,500	$2,500	$5,000	$5,000
Theft - Patterns, dies, molds and forms	$2,500	$2,500	Up to BPP limit	Up to BPP limit
Theft - Precious Metal and Alloys	$2,500	$2,500	Up to BPP limit	Up to BPP limit
Unauthorized Business Credit Card Use	Not Included	$5,000	$5,000	$5,000
Utility Services - Business Income	Not Included	$50,000	$50,000	$50,000
Utility Services - Direct Damage (covered cause of loss)	Included	$25,000	$25,000	$25,000
Valuable Papers & Records Off Premises	$5,000	Blanket Limit of $150,000	Blanket Limit of $350,000	Blanket Limit of $500,000
Valuable Papers & Records On Premises	$10,000	Blanket Limit of $150,000	Blanket Limit of $350,000	Blanket Limit of $500,000
Valuation - Commodity, Finished and Mercantile Stock	Not Included	Market Price	Market Price	Market Price
Worldwide Property Off Premises - Laptops	Not Included	$10,000	$10,000	$15,000

Forms

Description	Form Number
Policy Fee Notice
Additional Insured - Owners, Lessees or Contractors
California Important Notice

Spinnaker Privacy Policy
Signature Form
ISO Coverage Forms
Calculation of Premium
Primary and Noncontributory
Cap on Losses from Certified Acts of Terrorism
Additional Insured - Managers or Lessors of Premises
Disclosure Pursuant to Terrorism Risk Insurance Act
Restaurants
California Changes
Liquor Liability Coverage
Businessowners Coverage Form
California Fraud Statement
Amendment of Personal and Advertising Injury Definition
Waiver of Transfer of Rights of Recovery
Additional Insured - Lessor of Leased Equipment
Policy Exclusion Forms
EXCLUSION - EXTERIOR INSULATION AND FINISH SYSTEMS
TOTAL POLLUTION EXCLUSION
CYBER INCIDENT LIABILITY EXCLUSION
EXCLUSION - SILICA OR SILICA-RELATED DUST
EXCLUSION - UNMANNED AIRCRAFT
FUNGI OR BACTERIA EXCLUSION (LIABILITY)
CANNABIS PROPERTY EXCLUSION
EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL MATERIAL OR INFORMATION
EMPLOYMENT-RELATED PRACTICES EXCLUSION
CANNABIS LIABILITY EXCLUSION
EXCLUSION - DESIGNATED WORK: WORK PERFORMED IN THE STATE OF NEW YORK
EXCLUSION - VOLUNTEER WORKERS
EXCLUSION - PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS)
EXCLUSION - DAMAGE TO WORK PERFORMED BY SUBCONTRACTORS ON YOUR BEHALF
EXCLUSION - VIOLATION OF LAW ADDRESSING DATA PRIVACY
COMMUNICABLE DISEASE EXCLUSION
ABUSE OR MOLESTATION EXCLUSION

2102 Business Center Drive, Ste.
280, Irvine, CA 92612

Proposed Policy Effective Date
Proposed Policy Expiration Date
Carrier	Spinnaker Insurance Company
Carrier NAIC No.
AM Best Rating
Financial Size Category

The information provided is subject to rate changes and does not alter or bind any insurance policy or coverage. For a full understanding of the coverage available, please refer to the terms, conditions, definitions, and exclusions of your policy, along with My Restaurant Insurance's terms and conditions, available at https://myrestaurantinsurance.com/terms-conditions/.

Manage My Risk Program

YOU'RE ENROLLED!

Maximizing business protection with Manage My Risk

Sign up for our self-guided and self-directed loss-control services. While there are no program requirements at this time, we recommend using the program to secure your business.

Safety Equipment Marketplace: Access to industry-specific safety equipment to secure your business and prevent losses.
Industry-Specific Training Resources: Specific training for your industry to understand your risk and secure your business.
Curated Content: Targeted content around loss prevention and risk mitigation so you can learn how to protect your business.

Once enrolled, we’ll email you login information about how to access our program within 24-48 hours of purchasing your policy.

Quote Proposal

Business Owners Policy

Yearly Option

Policy Details

Insured Details

Property Coverage Overview

Coverages

Property Deductible - All Other Perils

Business Personal Property Limit

Business Income Limit

Liability Coverage Overview

Coverages

Property Damage Deductible

General Liability (Each Occurrence)

General Liability (Annual Aggregate)

Products/Completed Operations Annual Aggregate

Damage to Premises Rented to You

Medical Expense Limit

Policy Add Ons

Restaurant Coverage

Liquor Liability Coverage

Additional Insureds

Blanket Additional Insured Bundle

Coverage Comparison and Details

Forms

Manage My Risk Program

Quick Links

Contact Information