Woody White, CPCU

Quoted By:
Date:
3/13/2015
N & V Management, Inc.
Named Insured:
Devonshire Drugs
DBA:
16003 Mack Ave.
Mailing Address:
Detroit
State
MI
City:
3/18/2015
Expiration:
Requested Coverage Effective Date:
Property:
Location 1
16003 Mack Ave.
Location Address:
Detroit
State
MI
City:
Special
Coverage Type:
1995 # of Stories:
1 Const. Type:
Masonry
Year Built:
4,000 Parking Lot Square Feet:
2000
Square Feet:
$
2,500 Deductible Factor:
0.95
Deductible:
Limit
Rate/Flat
Food Spoilage ($250 Ded.):
N/A
Yes
Include Theft:
$
Property Enhancement
Elite
Yes
Mechanical Breakdown:

Building
BPP:
Earnings:
Sign:
Pumps:
Canopies:
Other:

RC
RC
1/6
RC

RC

Limit
$
$
$
$

750,000
300,000
120,000
7,500

x
x
x
x
x
x
x

Rate
0.556
1.196
0.832
1.5

Agency Contact:
John Mathers
Agency Name:
E-mail:
TBD - Quote
Policy #:
C-Store
Type of Business:
Zip:
48224
3/18/2016

C-Store
Type of Business:
Zip:
48224
Protection Class:
4
Updates:
Electrical, Heating, Plumbing, Roof(2010)
Co Insurance
0.80
Co-Insurance Factor:
1.00
Premium
$
$
$
250.00
$
250.00

x
x
=
=
=
=
=

Ded Factor
0.95
0.95

x
x

Co Ins Factor
1.00
1.00

=
=

Premium
$ 3,962.00
$ 3,409.00
$
998.00
$
113.00
$
$
$
-

Property Comments:
Location 1 Property Premium:

Schedule Rating Explanation:

Values exceed norm. 10% credit
Stable area 5% credit
Good management 5% credit

Property Subtotal:
Property Schedule Rating % as a factor

8,982.00

8,982.00
0.800

Total Property Premium:

7,186

Crime:
Central Station Burglar Alarm:
Exclude Safe:
Employee Theft
Forgery & Alteration
Money & Securities In/Out
Safe Burglary
Premises Burglary

Yes
No
Limit Per Occurrence
$
$
$
$
$
-

Deductible:

$ 2,500
Premium
$
$
$
$
$
-

Crime Comments:

Schedule Rating Explanation:

Crime Subtotal:
Crime Schedule Rating % as a factor

General Liability:

1.00

Total Crime Premium:

Total Property and Crime Premium:

7,186

501

Territory:

General Aggregate:
Products Completed Operations:
Personal & Advertising Injury:
Each Occurrence:
Fire Damage Limit:
Medical Expense Limit:
Additional Insured(s)
Loc Number:

Cov
1 GenAgg
1 ProdOps

Class Description:
Grocery
Grocery

$
$
$
$
$
$
N/A

2,000,000
2,000,000
1,000,000
1,000,000
100,000
5,000

Additional Premium
Additional Premium

Code #:
13763
13763

Premium Basis: Type

1,200,000 Sales
1,200,000 Sales

x
x
x
x
x
x
x
x
x

Base Rate
1.05
0.028

ILF
x
x
x
x
x
x
x
x
x

1.39 =
1.46 =
=
=
=
=
=
=
=

$
$

50.00
-

Premium
$ 1,751.00
$
49.00
$
$
$
$
$
$
$
-

Additional Insureds:
Water in the Gas Tank

0
No

Number:

Rate:

0.2

Gas Premium:
GL Subtotal:
Multi Location Factor:
Total Schedule Rating % as a factor

Schedule Rating Explanation:

Premium
$
$
$ 1,800.00
$
1.00
1.00
1800

GL Comments:
Total GL Premium:

Commercial Auto Limit:

Hired & Non-Owned Auto

Excluded
No

# of Locations

1,850.00

Premium
0.00

Auto Comments:
Total Auto Premium:
New (N) or Renewal (R):

0.00

R
Premium

If a Renewal, Provide:
Property/Crime
Gen'l. Liab./Hired-N/O
Total CMP

3,684
1,398
5,082

The Renewal Premium is:

Target

Increase

Premium

5,844
6,098
6,353
5,082

15%
20%
25%

9,036

77.80%

Total Package Premium:

Approximate % of Manual from/for:

0.562
Expiring:
Renewal:
1.000
(Other %)

Underwriter Summation of Photos:

average bldg in stable area
Underwriter Account Summary/Recommendation:
Good Producer. Detroit. 20 year old bldg. Masonry. Ave PPC. No losses. Wants to
return. High volume. No lead time. Sublet pharmacy.

Summary of Loss Experience

Mo./Year
Type of Claim Tot. Claim $'s
None

7375677727

58

9,036.00