Special Mult-Peril Program

The Special Multi-Peril program (SMP) provides property and liability coverages for eligible risks.

The SMP Policy may be written on the following:

1. Hotel-Motel May be written to cover hotels, motels, tourist courts or other similar risks.
2. Apartment House May be written to cover apartment houses containing five or more apartment units which are less than four (4) stories and do not contain an elevator).
3. Office May be written to cover any office except offices located in manufacturing plants.
4. Mercantile May be written to cover any establishment in which the principal business is the buying and selling of goods, wares, and merchandise.

The following are not eligible:

1. Operations engaged in manufacturing or processing;
2. Any account predominately of a bailee;
3. Auto service stations, dealers or garages;
4. Dealers in second hand or salvage stocks, pawnbrokers, auctions;
5. Fuel, gas and petroleum products distributors.

Miscellaneous

1. barber and beauty shops
2. dog kennels
3. funeral directors
4. veterinarians and veterinary hospitals
5. other miscellaneous processing or service business

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