Commercial – Packages
Products
Beauty and Wellness Products Retailers and Manufacturers
This program targets small makers, distributors and retailers of beauty and wellness products.
Applications
Beauty and Wellness Products Retailers and Manufacturers
Application Options - Beauty and Wellness Products Retailers and Manufacturers
Beauty-Wellness-Aug-2026-1.docx Underwriters
Restaurants, Fast Food, Hospitality (incl. liquor) Pkg
Forward’s Food and Beverage Service / Hospitality Pkg is designed for establishments that serve food and beverage, including fast food, cafes, bakeries, delis, pizzerias, as well as various types of restaurants which serve alcohol.
Applications
Restaurants, Fast Food, Hospitality (incl. liquor) App
Application Options - Restaurants, Fast Food, Hospitality (incl. liquor) Pkg
Forms
Retailers, E-Commerce, and Wholesalers Pkg
Our Retailers Package is designed for merchants including - retail stores, on-line retail sales, wholesalers/distributors, and low hazard small manufacturing risks, as well as service industry risks such as fast food, takeout, coffee shops, delis, refreshment stands, tailors, shoe repair shops, etc.
Applications
Merchants Package (incl. e-commerce) App
Application Options - Retailers, E-Commerce, and Wholesalers Pkg
Forms
Underwriters
Cosmetology, Beauty, Spas and Medi-spas Pkg (Occurrence – Hybrid)
Cosmetology & Spas (Occurrence – Hybrid) - this Cosmetology Product is available for most services on an Occurrence Basis. However, if the current policy is on a Claims Made form please return to menu and select Cosmetology and Spa (Claims Made) product.
Applications
Cosmetology & Spa - Occurrence - Hybrid App
Application Options - Cosmetology, Beauty, Spas and Medi-spas Pkg (Occurrence – Hybrid)
Cosmetology & Spas - Renewal Questionnaire
Application Options - Cosmetology, Beauty, Spas and Medi-spas Pkg (Occurrence – Hybrid)
Forms
Underwriters
Cosmetology, Beauty, Spas and Medi-spas Pkg (Claims Made)
Cosmetology & Spas (Claims Made) - this product provides coverage for all services/treatments strictly on a CLAIMS MADE basis. If the applicant does not currently have coverage in place OR their current policy is not currently on a claims made basis, please revisit the menu of products and select Cosmetology and Spas (Occurrence-Hybrid).
Applications
Cosmetology & Spa - Claims Made App
Application Options - Cosmetology, Beauty, Spas and Medi-spas Pkg (Claims Made)
Cosmetology & Spas - Renewal Questionnaire
Application Options - Cosmetology, Beauty, Spas and Medi-spas Pkg (Claims Made)
Forms
Underwriters
Tattoo and Piercing
We provide unique coverage designed specifically for various types of tattoo / piercing artists.
Applications
Application Options - Tattoo and Piercing
Forms
Underwriters
Individual Fitness Trainer
We provide tailored coverage for individual fitness trainers.
Forms
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Fitness and Martial Arts Studios
We provide tailored coverage for fitness studios and martial arts studios.
Applications
Application Options - Fitness and Martial Arts Studios
Forms
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Non-Profit Community Organizations Pkg
This product provides tailored coverage for Non-Profit Community Groups.
Applications
Forms
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Hobby Clubs
The Hobby Clubs package targets many different small to medium sized hobby and enthusiast groups and organizations – the group must be a NON-PROFIT organization. This program provides Commercial General Liability and Optional Property Coverage.
Applications
Application Options - Hobby Clubs
Forms
Underwriters
Sports and Recreation (Annual Coverage)
This product is designed for annual policies for amateur sport and recreation. If you require a short term policy (less than 4 months in duration), please return to main menu and select “Sport and Recreation – Short Term Coverage”.
Applications
Sports & Recreation (annual policies) App
Application Options - Sports and Recreation (Annual Coverage)
Forms
Underwriters
Sports and Recreation (Short Term Coverage)
This product is designed for short term policies (less than 4 months in duration) for amateur sport and recreation sessions/events. If you require an annual policy, please return to main menu and select “Sport and Recreation – Annual Coverage”.
Applications
Sports & Recreation (short-term policies) App
Application Options - Sports and Recreation (Short Term Coverage)
Forms
Underwriters
Drones
We offer liability and optional property coverage for your commercial use Drones.
Applications
Forms
Profits Worksheet
Applications