FOR THOSE WHO QUALITY. . .
John Paterno, Inc. specializes in offering an insurance program designed to provide comprehensive insurance coverage.
For those who qualify, the following coverages are automatically provided for each policy holder.
Public Liability - $1,000,000 / $2,000,000
Fire Damage Liability - $100,000
Liquor Law Liability - included upon request
Medical Payments - $5,000
"All Risk" Coverage - Included
Awnings and Signs - Included if Limit Provided
Business Interruption - Included if Limit Provided
The following additional coverages are available for those who quality:
Burglary - Included
Money & Securities - $10,000
Spoilage - $25,000
Mechanical Breakdown (No boiler coverage) - No Limit
Back-up of Sewers & Drains - $25,000
Accounts Receivables - $25,000
Umbrella Policy up to $15,000,000
Extra Expense - $25,000
Ordinance or Law - $25,000
Consequential Loss - $25,000
Outdoor Signs - $15,000
For those who qualify, there is no assault and battery exclusion
Disability Insurance - New York State law requires you provide disability insurance to your employees. As a member of the ASocciation our $3.00 monthly rate (male or female) is the lowest in the state and underwritten by one of the largest DBL carriers in New York State - The Guardian Life Insurance Company.
Workers Compensation Insurance - Available with private insurance companies or the State Insurance Fund. Discounts of up to 35% are available with the State Insurance Fund for those that qualify.
Excise Liquor Bonds - Can be issued within one day at prices that cannot be beat.
Non-auditable policies are available for bars and restaurants for those that qualify