How Does Program Insurance Work?
The HSCG policy is a group policy that allows each insured to have their own dedicated limits and no deductible. The policy covers your product and general commercial liability as a handcrafted soap or cosmetic vendor and includes Inland Marine coverage for your business personal property other than buildings.
With Member Benefit Insurance through HSCG, you receive quality insurance from an A+ rated carrier and a trusted broker, a policy that is available in all 50 states, and access to all of your policy documents 24/7.
Coverages
| General Liability Aggregate Limit
$1,000,000*
|
$1,000,000* |
| Products-Completed Operations Aggregate Limit
$1,000,000*
|
$1,000,000* |
| Personal and Advertising Injury Limit
$1,000,000
|
$1,000,000 |
| General Each Occurrence Limit
$1,000,000
|
$1,000,000 |
| Damage to Premises Rented to You (Any One Premises)
$300,000
|
$300,000 |
| Liability Deductible
NO DEDUCTIBLE
|
NO DEDUCTIBLE |
| Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$1,000** / $5,000***
|
$1,000** / $5,000*** |
| Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible
$100
|
$100 |
| Identity Recovery Coverage Aggregate Limit
$15,000
|
$15,000 |
| Identity Recovery Coverage Deductible
$250
|
$250 |
*Coverage limits can be increased up to $2,000,000 aggregate.
**Coverage limits can be increased up to $15,000 for any one article.
***Coverage limits can be increased up to $30,000 aggregate.
Program Benefits
No Quote Process
24/7 Access to Policy Documents
Convenient Online Purchasing
Available in all 50 States
No Gross Sales Cap
A+ Rated Insurance Carrier
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To get started with a protection plan right for your business, register TODAY. The coverage you need has never been closer than at your finger tips.