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 /  Coverage / Liability
Liability


Coverage  Limit
Each Occurrence $1,000 000
General Aggregate $2,000,000
Products and Completed Operations $1,000,000
Personal and Advertising Injury $1,000,000
Fire Damage to Rented Premises $100,000
Liquor Liability $1,000,000
Personal Liability  $1,000,000
 Non-Owned Auto $1,000,000

Liability coverage automatically extends to the follow activities:

  • Business and personal liability
  • Sale of alcohol
  • Serving of alcohol
  • Restaurants, cafes, bakeries, coffee shops, deli's
  • Catering – on or off site
  • Weddings, conferences, banquets, reunions, special events, private parties
  • Cross country skiing, snow shoeing
  • Hay rides (vehicle powered)
  • Bikes for guest’s use
  • Swimming pools and beach areas
  • Fishing
  • Hunting, skeet shooting
  • Small watercraft for guest’s use (canoes, kayaks, paddle boats, sail boats, pontoon boats)
  • Piers and docks
  • Gift shops
  • Private label food sales
  • Theme weekends, murder mystery weekends
  • Home tours
  • Long term rentals
  • Classes/seminars: Cooking, wine tasting, quilting, decorating, fly tying, fly fishing, etc.
  • Workshops: Art, literature, aspiring innkeeper, etc.
  • Yoga, meditation, aerobics
  • Farms and ranches (no coverage for crops or livestock)

Liability coverage available for spa activities for an additional premium:

  • Massages: Aromatherapy, deep tissue, hot stone, reiki, shiatsu, Swedish
  • Cosmetology: Hair cutting, facial & makeup application, waxing, manicures, pedicures
  • Esthetician: Body wraps, skin care & facials, chemical peels, hydrotherapy, mud baths, hot springs, microdermabrasion, electrolysis


Contact Us

By Mail - P.O. Box 676  |  Frederick, MD 21705

Phone - 800.488.1135  |  240.405.1400
Fax: 240.405.1450

Claims - 800.488.1135  |  888.418.2500
Fax: 410.872.5029 |  Claims@cbiz.com
Monitored 24/7

Office Hours - 8:30 a.m. - 5 p.m. EST,

Monday - Friday

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