Retail

PHLY E&S provides comprehensive CGL and Property Coverages for small to mid-size retail exposures.

Retail

PHLY E&S will selectively entertain and tailor broad Casualty Coverage for difficult to place retail stores, shopping centers, parking lots, and related exposures.

Underwriting Contact

Scott Bayer, SVP
Product Manager
Scott.Bayer@phly.com

For new business inquiries, please call 855.585.6322 or submit an application to ESsubmissions@phly.com.

Target Classes

  • Department stores
  • Strip Malls
  • Parking lots
  • Grocery stores
  • Pawn shops
  • Swap meets/ flea markets
  • Receipts of $10M or less

Unacceptable Classes

  • Fortune 1,000 chain stores
  • Landmark buildings
  • Guaranteed cost approach
  • Grocery store chains/ supermarkets

Coverages/ Capacity

General Liability

  • Commercial General Liability - $1M each occurrence
  • Excess Capacity up to $25M subject to underwriting guidelines
  • Per location aggregates
  • Additional Insureds by written contract
  • Liquor Liability Coverage up to policy limits
  • Pharmacists Legal Liability Coverage available subject to underwriting guidelines


Property

  • Commercial Property Coverage up to $10M per risk
  • Equipment Breakdown Including Spoilage Coverage available as optional coverage
  • Property Enhancement Endorsement available including Money & Securities, Backup of Sewers and Drains, and other additional coverages


Excess Casualty

Financial Security

  • AM Best rated A++
  • Standard & Poor's Assigned A+

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