Combs & Company

PHONE: (646) 736-3737
EMAIL: SCOMBS@COMBSANDCO.COM

Artists, Crafters & Tradesmen - Annual

Limits of Liability
General Liability Aggregate Limit

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$2,000,000
Products-Completed Operations Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned.

$2,000,000
General Liability Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$1,000,000
Personal and Advertising Injury Limit

The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person's right of privacy
-The use of another's advertising idea in your advertisement

$1,000,000
Damage to Premises Rented to You Limit

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$300,000
Pricing
Starting Price: $380
Business Activities Covered

Apparel, Art, Crafts, Drawings, Glass Blower, Home Decor, Jewelry, Leather Crafts, Painters (not for commercial painting companies), Paper Crafters, Pet Accessories, Photography, Pottery, Scrapbooking Products, Sculptors, Wood/Metal Crafts.

Policy Exclusions
  • All Ingestible Food or Drink Products
  • Any Product Requiring a Prescription
  • Architecture or Design Professionals
  • Art Galleries
  • Artisan Contractors
  • Beauty or Health Services that are provided by an insured for a fee
  • Blacksmith Demonstrations
  • Candles Including Liquid Fuel Gel or Wax Melts
  • Chainsaw Carving Demonstrations
  • Children's Furniture
  • Children's Toys
  • Commercial Painters
  • Construction Operations
  • Directing, hosting, organizing, planning, promoting, or sponsoring of a fair, festival, show, or similar event
  • Drugs
  • Disc Jockeys (DJs)
  • E-Cigarettes and Smokeless Products
  • Medical Equipment/Devices
  • Medical Invasive Products Intended to Stay in the Body
  • Murals
  • Musicians
  • Nutraceuticals
  • Performing Artists
  • Portrait Photography
  • Pharmaceuticals
  • Products Designed for Infants, Toddlers, or Children
  • Retail Storefronts – Premises May Be Owned or Leased Mainly for Use for Working and Not for Retail Sales
  • Saddles, Harnesses, or Horse Furnishings
  • Salon or Spa Operations
  • Sporting Goods/Equipment
  • Tattoo Artists
  • Theater or performing arts shows
  • Three-Dimensional Installation Art
  • Tobacco Related Products
  • Topical Products such as Cosmetics, Lotions, or Soaps
  • Vitamins, Supplements, or Suppositories
  • Videographers
  • Weapons, Knives, or Ammunition
  • Weapon/Weapon Like Demonstrations or Audience Particiaption Activities

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Artists, Crafters & Tradesmen - Event

Limits of Liability
General Liability Aggregate Limit

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$2,000,000
Products-Completed Operations Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned.

EXCLUDED
General Liability Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$1,000,000
Personal and Advertising Injury Limit

The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person's right of privacy
-The use of another's advertising idea in your advertisement

EXCLDUED
Damage to Premises Rented to You Limit

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$300,000
Pricing
Starting Price: $59
Business Activities Covered

Apparel, Art, Crafts, Drawings, Glass Blower, Home Decor, Jewelry, Leather Crafts, Painters (not for commercial painting companies), Paper Crafters, Pet Accessories, Photography, Pottery, Scrapbooking Products, Sculptors, Wood/Metal Crafts.

Policy Exclusions
  • Any Activity Involving Live Animals
  • Any Activity Involving Motorized Equipment or Vehicles
  • Cannabis Related Events
  • Birthday Parties
  • Blacksmith Demonstrations
  • Chainsaw Carving Demonstrations
  • Christmas Tree Lot
  • Concerts
  • Disc Jockeys (DJs)
  • Directing, Hosting, Organizing, planning, promoting, or sponsoring a fair, festival, show, or similar event
  • Martial Arts Events
  • Medical Professionals
  • Narcotic Related Events
  • Performing Artists/Musicians
  • Political Rallies, Demonstrations, or Events
  • Pumpkin Patches
  • Sporting Events
  • Sales or Distribution of Narcotics
  • Three-Dimensional Installation Artwork
  • Weapon, Knife, and Ammunition Exposures
  • Weapon/Weapon Like Demonstrations or Audience Participation Activities

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Bodywork Insurance

Limits of Liability
Professional & General Liability Aggregate Limit

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$3,000,000
Products-Completed Operations Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned.

$3,000,000
Professional & General Liability Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$2,000,000
Personal and Advertising Injury Limit

The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person's right of privacy
-The use of another's advertising idea in your advertisement

INCLUDED
Damage to Premises Rented to You Limit

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$300,000
Pricing
Starting Price: $118
Business Activities Covered

Massage Therapist, Esthetician, Cosmetologist, Hair Stylist, Barber, Nail Tech, Reiki / Energy Worker, Lash Artist, Body / Face / Henna Painter, Aromatherapy, Animal Massage, Reflexology, Fitness Trainer

Policy Exclusions
  • Training or application of micro-pigmentation, Black Henna
  • Body piercing or permanent body art
  • Laser treatments
  • Surgical hair removal, hair implanting or hair transplanting
  • Acupuncture
  • Any procedure that punctures the skin
  • Psychological or related treatment therapy
  • The use of electrical or mechanical apparatus or device for massage therapy, including electric massage chair or vibration machines
  • The use of any appliance, apparatus or device employing x-ray, electrical rays, radio waves or electronic waves
  • Suntan beds or suntan booths
  • The use of inversion tables
  • Sale, service or application of wigs or toupees
  • Removal or any attempt to remove warts, moles, or skin growths
  • Ultrasonic cavitation machines
  • Aqua therapy
  • Skin needling
  • Electrolysis
  • Cupping
  • Ear candling/coning
  • Hypnosis
  • Pole dancing, pole fitness, or exotic exercise
  • Microblading
  • Body branding
  • Endermologie
  • Flower essence or herbal therapy
  • Gua sha
  • Aerial yoga
  • Prescription, sales, distribution, or administration of any narcotic, controlled substance, or prescription medicine
  • Any operation that requires a medical license
  • Diagnosing or failure to diagnose any disease or medical condition
  • Manipulations or adjustments of the human skeletal structure
  • The use of any product developed with or containing human stem cells or stem cell media
  • Cryotherapy

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Food Liability

Limits of Liability
General Liability Aggregate Limit

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$2,000,000
Products-Completed Operations Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned.

$2,000,000
General Liability Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$1,000,000
Personal and Advertising Injury Limit

The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person's right of privacy
-The use of another's advertising idea in your advertisement

$1,000,000
Damage to Premises Rented to You Limit

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$300,000
Pricing
Starting Price: $500
Business Activities Covered

Catering, Concessions, Food Truck, Farmers Market Vendor, Private / Personal Chef, Home-Based Baker, Food Manufacturer, Food Distributor, Food Trailer

Policy Exclusions
  • Alcoholic beverages or products (includes serving, selling, or sub-contracting)
  • Animal/Livestock feed (this does not include pet products)
  • Any product requiring a prescription
  • Any product containing Cannabidiol (CBD), Hemp, or Hemp extract
  • Baby food
  • Commercial farms owned or operated by the insured (your products sold away from the farm are okay)
  • Companies/Operations not in compliance with county, state, and federal food and safety regulations
  • Diet products or cleanses or pills marketed as a 'weight loss' product
  • Energy drinks
  • Grocery store or supermarket retail operations owned or operated by the insured
  • Health coaching
  • Importers - produce or dairy making up more than 20% of total sales
  • Importers - seafood, meat, poultry
  • Kava
  • Kombucha
  • Medical invasive products - intended to stay within body
  • Nutraceuticals, vitamins, supplements, suppositories or products containing pharmaceuticals, drugs or medicines
  • Nutrition consulting
  • Owner or operator of a food court / storefront
  • Restaurant, cafe, bakery, tavern, or similar establishment, with operations where you own or lease the space where customers enter to purchase food/beverages
  • Tobacco related products including e-cigarettes and smokeless products
  • Topical products including soaps, lotions, and bath products

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