The Great American Trucking Story

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "The Great American Trucking Story"

Transcription

1 Trucking Division

2 The Great American Trucking Story In recent years, a number of top motor carriers leaders in the trucking industry have chosen to offer Great American s insurance products to the independent Owner-Operators they hire. They recognize that driving under Great American s care and protection is a very smart business decision, but what motivated them to pick an insurer who s neither the price nor the volume leader in the trucking marketplace? Clearly, they looked deeper. Perhaps they better understood what really mattered to the men and women who drove across America on their behalf. Perhaps they better understood the impact of a quality insurance program to their bottom line. Perhaps, as they saw other insurance providers come and go, they placed more value on the stability and the consistent presence of a company with a long history of profitable performance. Perhaps they appreciated the focused expertise of a business unit dedicated to nothing but them. This brochure will enable you to explore Great American Insurance Group on your own and decide for yourself why the coverages offered by our are in such demand; why Great American is one of the fastest growing insurers of the Owner-Operator segment in the industry today.

3 Non-Trucking Liability Non-Trucking Liability Non-Trucking Liability offers liability coverage for property damage or bodily injury to a third party while you are using your truck for non-business purposes. Non-Trucking Liability offers: Bodily Injury and Property Damage Liability Medical Payments/Personal Injury Protection (if required by state law) Uninsured/Underinsured Motorist coverage (if required by state law) Limits up to 2 million available for additional premium.

4 Physical Damage Physical Damage Great American s Physical Damage coverage offers 24-hour protection from damages to your tractor or trailer. This coverage is offered nationwide, so no matter where you travel from sea to shining sea, your rig is protected. Coverages include: Specified Perils ( fire or explosion, theft, windstorm, hail, earthquake, flood, vandalism, and more) Comprehensive Collision Deductible options Towing and labor expenses Storage charges GAP Coverage Federal Excise Tax on new vehicles

5 TruxPro TruXpro TruXpro provides coverages designed to address the extra needs of an Owner-Operator. Supplemental Coverage Basics: Diminishing Deductible Now an insured can get credit for NOT having a loss. An insured s original deductible will decrease by 25% for every loss-free year until the deductible reaches $0. If the insured has a loss during the policy term, the deductible is reset to the original amount after the loss. At the end of 4 consecutive loss-free years, the insured s deductible is zero! Single Deductible Clause When a tractor and trailer are insured under the same policy with TruXpro and damages result from the same covered loss, only a Single Deductible applies. Downtime/Rental Reimbursement Benefits pay up to $5,000 with a $150/day and $750/week limit, subject to a short waiting period. Personal Effects Coverage Covers insured s personal belongings inside a covered truck up to $5,000, subject to a $250 deductible. Electronic Equipment Coverage Covers insured s electronic equipment inside a covered truck up to $5,000, subject to a $250 deductible. Tarps, Chains and Binders Limit of $500, subject to a deductible of $100.

6 Deductible BuyBack Endorsement Deductible Buyback Endorsement Our Deductible Buyback Endorsement can protect Owner-Operators from paying multiple deductibles after an accident. Lease contracts with Motor Carriers often require the Owner-Operator to assume responsibility for policy deductibles on the carrier s trailer and cargo as well as accident-related property damage. This contractual liability can climb into the thousands of dollars. This affordable endorsement will reimburse an Owner-Operator for the amount of the motor carrier s deductible that the Owner-Operator is required to pay during the settlement of an accident claim.

7 Rig Ready Rig Ready When your rig is down, we re ready to help. When your rig is ready, you can roll! Participating professional body shops all across the country will release your rig as soon as repairs are complete even if they haven t received payment from Great American yet! They know we re good for it; we ve been protecting America s small businesses since 1872 and have built our reputation on prompt and fair claims settlement. Trained technicians at participating shops work directly with Great American s Rig Ready Team, eliminating the need for an appraiser to view the equipment before repairs can begin. Most participating shops are full-service dealers, you can count on experienced body, frame, alignment, and paint technicians that work on a variety of makes and models. Participating shops may offer a variety of services and courtesies. Some shops may waive costly storage fees, if your rig is a total loss. Some shops may even offer free towing. These shops may also be able to assist you with truck rentals or help you make arrangements for overnight accommodations. Check to see what services are available at the shop handling your repairs. How does Rig Ready work? 1. Call our toll-free Claims line at or visit for the nearest participating repair shop. 2. Qualified personnel will inspect your truck and prepare an estimate for repairs. We ll approve the repair estimate, often times within a few hours! Then, with your authorization, the shop can get started. 3. Once repairs are completed to your satisfaction, you re free to hit the road. All you pay is your deductible and applicable charges. Great American will take care of the rest.

8 Primary Package Primary Package Primary Package bundles four basic coverages into a single, solid program of insurance protection: Primary Liability, Physical Damage, Motor Truck Cargo, and General Liability. Coverages are also available alone. Owner-Operators have long been a special concern of Great American s. When these skilled truckers are not under a contractual relationship with a motor carrier, but instead are working independently using their own equipment and maintaining their own name and reputation, they need strong insurance protection. With Great American s Primary Package, independent Owner-Operators can drive with confidence. Coverage Summary: Primary Liability Personal Injury Protection Uninsured and Underinsured Motorists (UM/UIM) Physical Damage Comprehensive or optional Specified Perils Collision Supplemental Payments Towing and Storage, Federal Excise Tax GAP Non-Owned Trailer optional endorsement TruXpro Endorsement optional endorsement: Downtime and rental reimbursement, Personal effects, Tarps/Chains/Binders, Electronic equipment, Single deductible, Diminishing deductible Rig Ready preferred repair program Motor Truck Cargo (Carrier s Liability) Shippers endorsement available for higher limits General Liability Up to a $2,000,000 aggregate limit Premises/Operations Fire Legal Liability Premises Medical Expense Advertising Optional Endorsements Refrigeration Breakdown Hired and Non-owned Liability Hired Cargo Combined Deductible Tractor and Trailer Basket Deductible Tractor, Trailer and Cargo Hired Physical Damage Pollution Liability

9 Occupational Accident Occupational Accident Plans, Coverages & Services Occupational Accident covers the Owner-Operator for injuries that occur on the job. It includes medical, disability, death and dismemberment benefits. Our policies offer a wide range of limits. We also offer Passenger Accident and Non-Occupational coverages on select plans. Great American s Occupational Accident coverage offers two distinct advantages for Truckers. First, the underwriting and issuance is simplified by the ability to bundle Occupational Accident with other coverages. Secondly, we offer this product for accounts of all sizes, ranging from an individual driver to a large Owner- Operator program. Additional coverages are available to riders for occupational disease, hernia, occupational cumulative trauma and hemorrhoids. As a policyholder, our Truckers have access to the following services: Medical Provider Referrals Great American offers Best of States assistance in designing a customized PPO network to support the medical care needs of our Truckers and their families. Through partnership with various national, regional and local networks, we can provide access to credentialed medical providers to help our policyholders optimize the quality of their medical care and minimize its cost. Pharmacy Benefits Great American offers access to the largest pharmacy drug discount network in the country to reduce the cost of prescription drugs for program participants and their families. This network includes major pharmacy chains as well as mail order companies to enable the most convenient and cost-effective drug purchases.

10 Contingent Liability Contingent Liability Insurance Motor Carriers may be at financial risk if an Independent Contractor is deemed an employee and eligible for Workers Compensation benefits. Great American s offers a Contingent Liability Insurance policy to Motor Carriers who sponsor one or more qualified Occupational Accident programs for their Owner-Operators and Contract Drivers. The Contingent Liability policy provides the following key coverage solutions for our Insured Motor Carrier when a driver listed as Insured under the sponsored Occupational Accident seeks to be deemed an employee: We have the Right and Duty to provide Legal Defense of the Motor Carrier(s) listed as Named Insured against these claims, and Should the driver be deemed an employee, we will pay benefits equivalent to the benefits payable under the Workers Compensation and Employers Liability law that would apply to the Named Insured if the Policy was a policy of Workers Compensation. Contingent Liability Insurance is not a substitute for Workers Compensation insurance and will not satisfy compliance requirements for an employer to purchase a Workers Compensation policy. Contingent Liability is not offered to Motor Carriers that do not sponsor a qualified Group Occupational Accident program. Contingent Liability is underwritten by Great American E&S Insurance Company, a member company of the Great American Insurance Group. Contingent Liability Insurance is not available for distribution to risks or agents domiciled in DE. All coverage provided is subject to certain policy exclusions, limitations and conditions. Only those agents with the appropriate Excess and Surplus Lines licenses may distribute Contingent Liability.

11 Workers Compensation Workers Compensation Workers Compensation for Fleet Owners Fleet Owners who lease on to Motor Carriers often need to provide Workers Compensation coverage for their drivers. When a Motor Carrier sponsors a Great American Occupational Accident program for their leased Fleet Owners, Great American can provide Workers Compensation for the Fleet Owners employee drivers. Workers Compensation for Motor Carriers Motor Carriers sponsoring a Great American Occupational Accident with the Contingent Liability program can purchase Workers Compensation coverage for their employee drivers as well as their clerical employees. This enhancement provides convenience of one stop shopping for Motor Carriers with Owner-Operator teams. Workers Compensation for Owner-Operators Certain states require that all truckers (regardless of Owner- Operator status) be covered by Workers Compensation. Great American offers Workers Compensation for Owner- Operators in those jurisdictions. Workers Compensation for Primary Insureds Small Fleet Owners can purchase Workers Compensation coverage with their Primary Package policy. The policies can be placed on one account that can be billed together on monthly installments. Great American s does not currently provide any mono-line Workers Compensation coverage.

12

13 Great American s knows the most important place for you, the Trucker, is on the road...truckin. Independent owner-operators and motor carriers alike know that risks come with this coast-to-coast territory: collision, injury, disability, theft. Truckers search carefully for reliable and affordable protection against road hazards like these. We have designed our program and services to keep you there. In fact, Great American Insurance has a tradition of developing special products for specific industries. These special programs require the underwriters and claims adjusters to have expertise that is industry specific. The trucking industry requires no less than this. Great American Insurance Group is one of the most respected property and casualty insurance groups in the country. We have been insuring commercial risks since the founding of our lead insurer, Great American Insurance Company, in Our strong premium-to-surplus position and long tradition of financial strength and stability make Great American the choice of thousands of independent agents and customers who know they can count on us for excellent insurance products and services. Great American Insurance Group 301 E Fourth Street, Cincinnati, OH Phone: Fax: For more information about Great American Insurance Group, visit us at Great American Insurance Company is the owner of the Great American eagle logo and the word marks Great American and Great American Insurance Group Great American Insurance Company. All rights reserved TRU (7/12) 301 E Fourth Street, Cincinnati, OH 45202

Trusted Protection at Every Turn

Trusted Protection at Every Turn Trusted Protection at Every Turn Great American TRUCKING Division You do a lot to keep America moving, and we re here to help. It s not always easy out there on the road, but with Great American at your

More information

II MEDIUM FLEET TRUCKING

II MEDIUM FLEET TRUCKING ., II MEDIUM FLEET OVERVIEW ;nsurance Company AGENDA Highlights: Protective Medium Fleet Program - Mission I Target Customer - Platform Description Coverages Loss Prevention Claims Administration - Underwriting

More information

Business Auto Insurance

Business Auto Insurance Business Auto Insurance Overview of Chapter 5, CPCU 4 I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos - common definition -

More information

Product Marketing Guide. We re On The Road With You

Product Marketing Guide. We re On The Road With You Product Marketing Guide We re On The Road With You Underwriting Appetite Trucking with a radius of up to 1,000 miles between terminals Target classes include: + Waste Haulers + Concrete Mix-In Transit

More information

Business Auto Insurance (Not in Text)

Business Auto Insurance (Not in Text) Business Auto Insurance (Not in Text) Overview I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos business auto form provides flexibility

More information

Insurance for Owner-Operators and Small Businesses

Insurance for Owner-Operators and Small Businesses Insurance for Owner-Operators and Small Businesses Truck Insurance You Can Trust Did you know that as a Daimler Truck Financial (DTF) customer you can receive some of the best truck and business protection

More information

Product Marketing Guide. We re On The Road With You. www.deep-south.com. We re On The Road With You

Product Marketing Guide. We re On The Road With You. www.deep-south.com. We re On The Road With You Product Marketing Guide www.deep-south.com Deep South Offers Coverage to Target Classes Deep South has earned a reputation as a specialist commercial automobile insurance provider. We take that expertise

More information

domicile, including but not limited to Personal Injury Protection (PIP) and Personal Property insurance (PPI), must be carried.

domicile, including but not limited to Personal Injury Protection (PIP) and Personal Property insurance (PPI), must be carried. Independent Contractor Insurance Requirements Sample provided by Paul Hanson Partners Specialty Insurance Solutions This document should be reviewed with your broker and attorney and modifications for

More information

Warning! Warning! A plain vanilla Business Auto Policy (BAP) does not serve as a substitute for a

Warning! Warning! A plain vanilla Business Auto Policy (BAP) does not serve as a substitute for a The Business Auto Policy, AKA The Commercial Auto Program Warning! Warning! A plain vanilla Business Auto Policy (BAP) does not serve as a substitute for a Personal Auto Policy (PAP). Unless you're in

More information

Using Independent Contractors: A Guide to IRS and Insurance Guidelines

Using Independent Contractors: A Guide to IRS and Insurance Guidelines Using Independent Contractors: A Guide to IRS and Insurance Guidelines Table of Contents About this guide.................................. 1 Defining an independent contractor and their............ 2

More information

Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto. Insurance 5451-41922-19

Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto. Insurance 5451-41922-19 Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto Insurance 5451-41922-19 Q U A L I T Y Day or night. You re covered, with AAA. Whatever you drive,

More information

Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently.

Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently. AUTO INSURANCE Drive confidently With the exception of your home, your car is probably the most valuable thing you own. It s an investment one you rely on every day to commute, shuttle the kids, run errands

More information

Business Auto Policy

Business Auto Policy Business Auto Policy American Family s Business Auto Policy With more than thirty years of commercial lines policy experience and $15 billion in assets*, American Family offers businesses the stability,

More information

BUSINESS INSURANCE FAQ

BUSINESS INSURANCE FAQ BUSINESS INSURANCE FAQ Q: What is Business Insurance? A: We strive to understand your risk tolerance and financial ability to withstand the spectrum of potential losses and develop insurance programs to

More information

GARAGE INSURANCE: The Basics How to make garage risks a part of your agency portfolio.

GARAGE INSURANCE: The Basics How to make garage risks a part of your agency portfolio. GARAGE INSURANCE: The Basics How to make garage risks a part of your agency portfolio. By Jim Krotki, CPCU An often overlooked source of commercial insurance prospects is garage business. Some agents are

More information

AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD

AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD PROTECTION WHILE YOU ARE ON THE ROAD TO YOUR DREAMS LIABILITY COVERAGE What is Auto Insurance Coverage? An auto insurance policy is a package of several

More information

2) If using the Manual Entry Fields you must enter the original cost of the vehicle in the OCN (Original Cost New) field.

2) If using the Manual Entry Fields you must enter the original cost of the vehicle in the OCN (Original Cost New) field. PAGE - VEHICLES 7 8 9 0 ) Select the Year, Make and Model of your vehicle. If not listed, enter the Make, Model and Body type (i.e. car, truck, SUV, etc.) into the Manual Entry Fields. ) If using the Manual

More information

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY This Endorsement amends the Policy as follows: I. DEFINITIONS The Definitions Section is amended as follows: A. The third paragraph is replaced

More information

Personal and Business Auto Table of Contents p. 1 of 5 Unit 1 - Introducing Auto Insurance pp. 7-41

Personal and Business Auto Table of Contents p. 1 of 5 Unit 1 - Introducing Auto Insurance pp. 7-41 Personal and Business Auto Table of Contents p. 1 of 5 Unit 1 - Introducing Auto Insurance pp. 7-41 Problems associated with auto accidents and insurance The large number of auto incidents High Cost of

More information

Chapter Objectives. Chapter 13. Property and Liability Insurance. What is risk? How to manage pure risks? What are the fundamental insurance concepts?

Chapter Objectives. Chapter 13. Property and Liability Insurance. What is risk? How to manage pure risks? What are the fundamental insurance concepts? Chapter 13. Property and Liability Insurance Chapter Objectives To understand the foundations of insurance To learn the primary components of the homeowners and auto insurance packages To learn how to

More information

Guide to Knowing Your Auto

Guide to Knowing Your Auto Guide to Knowing Your Auto & Homeowners Insurance Options Presented by: 1 When it comes to insurance, you can never know too much. What type of insurance is available and how much coverage you need? And

More information

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Insurance Department Sec. 38a-334 page 1 (10-00) TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Required areas of coverage.... 38a-334-1 Definitions....

More information

motorcycle insurance protecting your dreams

motorcycle insurance protecting your dreams motorcycle insurance protecting your dreams let s ride. The freedom of the open road feels even better the less you have to worry about. But protecting yourself on a cycle involves more than leather and

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY

More information

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance 1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California

More information

Canal Truck Insurance Application

Canal Truck Insurance Application Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant Legal Name Company Name (DBA)

More information

Owner Operator Insurance Issues

Owner Operator Insurance Issues Owner Operator Insurance Issues Utilizing Occupational Accident and Contingent Liability to Reduce the Inherent Risks Associated with using Owner Operators. Owner Operator Insurance Issues* Motor carriers

More information

INSURANCE REQUIREMENTS FOR ALL CITY CONTRACTS

INSURANCE REQUIREMENTS FOR ALL CITY CONTRACTS INSURANCE REQUIREMENTS FOR ALL CITY CONTRACTS 1. GENERAL PROVISIONS A. Indemnification. The Contractor shall indemnify and save harmless the City of Lincoln, Nebraska from and against all losses, claims,

More information

Information for Independent Agents About the GM Auto Program

Information for Independent Agents About the GM Auto Program Information for Independent Agents About the GM Auto Program Introduction We value our relationships with, and have a long-standing commitment to, our independent agent force. We appreciate that you are

More information

NAIC Consumer Shopping Tool for Auto Insurance

NAIC Consumer Shopping Tool for Auto Insurance NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best

More information

TOWNSHIP OFFICIALS OF ILLINOIS RISK MANAGEMENT ASSOCIATION

TOWNSHIP OFFICIALS OF ILLINOIS RISK MANAGEMENT ASSOCIATION TOWNSHIP OFFICIALS OF ILLINOIS RISK MANAGEMENT ASSOCIATION TOIRMA SUMMARY OF COVERAGES as of 6/1/2014 I. PROPERTY COVERAGES A. BUILDINGS AND CONTENTS Covers all the real and personal property owned by

More information

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals)

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals) Canal Truck Insurance Application Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant

More information

Business Auto Insurance. made simple

Business Auto Insurance. made simple Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions

More information

MINNESOTA STATE COLLEGES AND UNIVERSITIES General Insurance Requirements for Contractors & Vendors

MINNESOTA STATE COLLEGES AND UNIVERSITIES General Insurance Requirements for Contractors & Vendors Certificate of Liability Insurance, Form ACORD25: Following are the insurance requirements of the State of Minnesota acting through its Board of Trustees of the Minnesota State Colleges and Universities,

More information

NEW JERSEY AUTO SUPPLEMENT

NEW JERSEY AUTO SUPPLEMENT AGENCY AGENCY CUSTOMER ID: NEW JERSEY AUTO SUPPLEMENT NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance

More information

auto insurance protecting your dreams

auto insurance protecting your dreams auto insurance protecting your dreams Every day your car takes you from Point to Point and points in between. You re headed somewhere school, work, or to pick up some groceries. Visiting friends, a weekend

More information

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department Automobile Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services

More information

Webinar on Insurance Coverages

Webinar on Insurance Coverages Webinar on Insurance Coverages Property and Casualty Insurance Presenter David M. Pooser, Ph.D. Assistant Professor of Risk Management & Insurance St. John s University Moderator Frank Tomasello Program

More information

Motorcycle Insurance. made simple

Motorcycle Insurance. made simple Motorcycle Insurance made simple What s inside: How to read your Allstate Motorcycle Policy Declarations Understanding motorcycle insurance: Coverages Deductibles Coverage limits What to do in case of

More information

Contingent Liability Application (Bobtail & Deadhead)

Contingent Liability Application (Bobtail & Deadhead) Contingent Liability Application (Bobtail & Deadhead) COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY

More information

Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance

Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance Chapter 10 Property and Motor Vehicle Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 10-1 Chapter 10 Learning Objectives 1. Develop a risk management

More information

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department A Shopping Tool for Automobile Insurance Mississippi Insurance Department 1 A Shopping Tool for 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance

More information

Business Auto Policy Coverage Guide, 3rd Edition

Business Auto Policy Coverage Guide, 3rd Edition Brochure More information from http://www.researchandmarkets.com/reports/1413628/ Business Auto Policy Coverage Guide, 3rd Edition Description: With the Business Auto Policy Coverage Guide, insurance professionals

More information

Mount Vernon Fire Insurance Company. Antique Auto Program

Mount Vernon Fire Insurance Company. Antique Auto Program I. AGE There is not a vehicle age requirement for an offer of coverage under this filing. II. POLICY TERM Policy term is for one (1) year. III. LIABILITY COVERAGES A. Compulsory Bodily Injury/Property

More information

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up

More information

Truck Application DESCRIPTION OF OPERATIONS. LIABILITY COVERAGE Complete for desired coverages by indicating limits of insurance.

Truck Application DESCRIPTION OF OPERATIONS. LIABILITY COVERAGE Complete for desired coverages by indicating limits of insurance. Truck Application 1. Name (and "dba") Individual/Proprietorship Partnership Corporation Other Policy Term From: To Business Phone Number 2. Mailing Address City State Zip 3. Premises Address City State

More information

Your Exam Content Outline

Your Exam Content Outline Your Exam Content Outline The following outline describes the content of one of the Arizona insurance examinations. The outlines are the basis of the examinations. The examination will contain questions

More information

Insurance for Small to Medium Fleets

Insurance for Small to Medium Fleets Insurance for Small to Medium Fleets At Daimler Truck Financial, every customer is important. We ve been doing business that way since day one, which is why we have been a leader in the industry for close

More information

BUSINESS AUTO EXPOSURES AND COVERAGE

BUSINESS AUTO EXPOSURES AND COVERAGE BUSINESS AUTO EXPOSURES AND COVERAGE SANDI KRUISE INSURANCE TRAINING 1-800-517-7500 www.kruise.com Copyright Sandi Kruise Insurance Training, 2003-2015, all rights reserved TABLE OF CONTENTS BUSINESS AUTO...

More information

r Commercial Auto & The Dreaded Rental Car Issue!

r Commercial Auto & The Dreaded Rental Car Issue! Education ProgramS r Commercial Auto & The Dreaded Rental Car Issue! sponsored by COMMERCIAL AUTO & THE DREADED RENTAL CAR ISSUE Robin Federici, CPCU, AAI, ARM, AINS,AIS, CPIW PO BOX 781 NORTH KINGSTOWN,

More information

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals)

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals) Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant Legal Name Company Name (DBA)

More information

Auto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help

Auto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help Questions piling up on Auto Insurance? Why do I need automobile insurance? First, it s the law. Illinois law requires all motor vehicle owners to have certain auto insurance coverages. There may be others

More information

Occupational Accident

Occupational Accident Occupational Accident Work injury solutions for independent contractors A guide to Zurich s products, services and advantages Why Zurich for Occupational Accident insurance? Trucking companies with an

More information

MANITOBA PRESTIGE AUTO INSURANCE

MANITOBA PRESTIGE AUTO INSURANCE Page License Plate Insurance... 2 Why Plate Insurance Isn t Enough... 2 Added Liability Protection... 3 Family Protection Coverage... 3 Vehicle Damage Deductible... 3 Seasonal Lay-Up Coverage... 3 Non-Owned

More information

your claim Understanding catastrophe auto claims

your claim Understanding catastrophe auto claims your claim Understanding catastrophe auto claims I m glad I have Allstate on MY SIDE. When severe weather or a catastrophic event occurs, Allstate understands your need to get back on the road as quickly

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies

More information

AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org

AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to

More information

made simple Auto Insurance What s included:

made simple Auto Insurance What s included: Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently

More information

Auto Insurance Buyers Guide

Auto Insurance Buyers Guide Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop

More information

AGENT CHECK-WRITING AUTHORITY INSTRUCTION MANUAL

AGENT CHECK-WRITING AUTHORITY INSTRUCTION MANUAL AGENT CHECK-WRITING AUTHORITY INSTRUCTION MANUAL Notice: Nothing in this manual is intended, or should be interpreted or construed, as a modification, change or waiver of the provisions of any policy of

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12

NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12 NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* 000001/00000 S1347I03 7668 07/23/12 PL-50074 (03-12) Page 1 of 9 WHAT S INSIDE WHERE DO I START?... UNDERSTANDING YOUR POLICY... Types of Coverage

More information

Motorpack > 3-in-1 Commercial Vehicle Insurance. Motorpack Broker Overview

Motorpack > 3-in-1 Commercial Vehicle Insurance. Motorpack Broker Overview > 3-in-1 Commercial Vehicle Insurance Broker Overview > 3-in-1 Commercial Vehicle Insurance 3-in-1 Commercial Vehicle Insurance Take control of all your clients motor insurance needs with 3-in-1 commercial

More information

COVERAGES AND ENDORSEMENTS

COVERAGES AND ENDORSEMENTS 1 DESCRIPTION OF PERSONAL AUTO COVERAGE The following is a general description of the coverages provided by the Personal Auto coverage form. The policy deductible applies to coverages and endorsements

More information

WHERE TO GET MORE INFORMATION AND HELP

WHERE TO GET MORE INFORMATION AND HELP WHERE TO GET MORE INFORMATION AND HELP This Buyer's Guide is intended to provide general information to help you make coverage choices. It is not a substitute for the policy language, which governs. Additional

More information

Personal Auto Coverage Guide, 2nd Edition

Personal Auto Coverage Guide, 2nd Edition Brochure More information from http://www.researchandmarkets.com/reports/1515701/ Personal Auto Coverage Guide, 2nd Edition Description: "Personal Auto Coverage Guide, 2nd Edition" provides clear, straightforward

More information

Effective June 1, 2007. Autoplan Insurance Guide for Garage Operators

Effective June 1, 2007. Autoplan Insurance Guide for Garage Operators Effective June 1, 2007 Autoplan Insurance Guide for Garage Operators Limitation Any contradiction, dispute or difference between the contents of this guide and the Garage Vehicle Certificate or the Insurance

More information

Who We Are. Service Standards. Quick Market Guide. tow Program. Intermodal Program

Who We Are. Service Standards. Quick Market Guide. tow Program. Intermodal Program Who We Are Service Standards Quick Market Guide tow Program Auto Hauler Program Cargo/Physical Damage Program Repossession Program Intermodal Program Hazardous Material Hauler Program and Pollution Control

More information

Personnel Position Name Years % of Ownership President Operations Manager Safety Director Loss Control Contact Insurance Contact

Personnel Position Name Years % of Ownership President Operations Manager Safety Director Loss Control Contact Insurance Contact Truck Transportation Application Agent Information Agency Producer General Information Named Insured Street Address State Phone Affiliated Companies Date Received Effective Date Requested Quote Date DBA

More information

BUSINESS AUTO DECLARATIONS

BUSINESS AUTO DECLARATIONS COMMERCIAL AUTO B CA DS 03 01 12 Issuing Company: Tri-State Insurance Company of Minnesota Policy No.: Previous Policy No.: BUSINESS AUTO DECLARATIONS ITEM ONE NAMED INSURED AND ADDRESS AGENCY NAME AND

More information

2013 INSURANCE MANUAL

2013 INSURANCE MANUAL 2013 INSURANCE MANUAL All required insurance shall be in a form, amount, content and written by companies acceptable to the Georgia Department of Community Affairs (DCA) on behalf of Georgia Housing and

More information

Automobile Insurance Guide

Automobile Insurance Guide Automobile Insurance Guide Page 1 Simply stated, automobile insurance is a contract between you and your insurance company that protects you against financial loss if you are in an accident. Auto policies

More information

CONSUMER S GUIDE TO AUTO INSURANCE

CONSUMER S GUIDE TO AUTO INSURANCE CONSUMER S GUIDE TO AUTO INSURANCE The Colorado Division of Insurance prepares this booklet to assist you in shopping for auto insurance and to help you understand your Personal Auto Policy. When shopping

More information

Personal property insurance: homeowner and auto insurance.

Personal property insurance: homeowner and auto insurance. Insurance and Social Insurance Personal property insurance: homeowner and auto insurance. Agenda Homeowners Insurance Basics Analysis of Homeowners 3 Policy Section I Coverages Section I Perils Insured

More information

GENERAL INFORMATION. Year Carrier Policy Number Loss Date Amount Paid Description of Loss

GENERAL INFORMATION. Year Carrier Policy Number Loss Date Amount Paid Description of Loss Used Auto Dealer Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY OF THE SOUTH

More information

New Jersey AUTO INSURANCE

New Jersey AUTO INSURANCE New Jersey AUTO INSURANCE Buyer s Guide Chris Christie Governor Kim Guadagno Lt. Governor Ken Kobylowski Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market through

More information

H. The Contractor shall not begin work under the contract until the required insurance has been obtained and approved by the Contracting Agency.

H. The Contractor shall not begin work under the contract until the required insurance has been obtained and approved by the Contracting Agency. Insurance Requirements (1) General Requirements A. The Contractor shall obtain the insurance described in this section from insurers approved by the State Insurance Commissioner pursuant to RCW Title 48.

More information

NEW JERSEY AUTO INSURANCE

NEW JERSEY AUTO INSURANCE NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Richard J. Badolato Acting Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market

More information

COMMERCIAL PPA EDITION

COMMERCIAL PPA EDITION NEW JERSEY AUTO INSURANCE BUYER S GUIDE COMMERCIAL PPA EDITION For Individually Owned Private Passenger Automobiles Written on Commercial Insurance Policies WHAT S INSIDE WHERE DO I START?...PAGE 2 UNDERSTANDING

More information

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance.

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance. The Instant Insurance Guide: Auto Info and tips for buying automobile and motorcycle insurance in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov

More information

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware What To Do If You re In An Accident Stop and keep calm. Do not drive away from an accident. Do not argue with the other driver over the cause. Call an ambulance, if needed. Do what you can to provide first

More information

CC-EVER001-16 Exhibit I: Insurance Page I-1 EXHIBIT I INSURANCE REQUIREMENTS

CC-EVER001-16 Exhibit I: Insurance Page I-1 EXHIBIT I INSURANCE REQUIREMENTS CC-EVER001-16 Exhibit I: Insurance Page I-1 EXHIBIT I INSURANCE REQUIREMENTS SEC. 1. INSURANCE REQUIREMENTS The Concessioner shall obtain and maintain during the entire term of this Contract, at its sole

More information

EXHIBIT K Insurance Requirements

EXHIBIT K Insurance Requirements EXHIBIT Insurance Requirements Subject to approval by the City's Risk Manager of the insurers and policy forms, and further subject to HUD's rights under the HUD Documents during the term of the HUD Documents,

More information

MISSISSIPPI GARAGE DEALER / NON - DEALER APPLICATION

MISSISSIPPI GARAGE DEALER / NON - DEALER APPLICATION MISSISSIPPI GARAGE DEALER / NON - DEALER APPLICATION CANAL INSURANCE COMPANY CANAL INDEMNITY COMPANY Quotation No. New Policy No. Renewal /Rewrite No. Bound by SGA? Yes No Policy Period From AM/PM on /

More information

Roadside Plus. eight popular optional coverages

Roadside Plus. eight popular optional coverages Roadside Plus eight popular optional coverages Be confident that you have the extra protection and peace of mind you need when you re on the road, whether you re close to home or travelling. Our optional

More information

General Insurance Definitions:

General Insurance Definitions: General Insurance Definitions: Accidental Death Coverage Accidental death coverage is sometimes a part of your auto insurance policy's Personal Injury Protection (PIP) or may be offered as a separate Accidental

More information

COMMERCIAL UMBRELLA. 1.1 The underlying business insurance must be insured with Mt Morris.

COMMERCIAL UMBRELLA. 1.1 The underlying business insurance must be insured with Mt Morris. COMMERCIAL UMBRELLA Program Description This program contains the rules and rates governing the writing of Commercial Umbrella Liability Policies. This insurance is designed to cover the liability needs

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application NATIONAL INDEMNITY COMPANY OF THE SOUTH NATIONAL LIABILITY & FIRE INSURANCE COMPANY Administrative Office Omaha, Nebraska Desired Policy Term From: To: 1. Named

More information

Commercial Insurance. www.infarmbureau.com

Commercial Insurance. www.infarmbureau.com Commercial Insurance www.infarmbureau.com Is your business properly insured? Don t wait until it s too late! Commercial Package Policy (CPP) Used by many classes of businesses manufacturers, restaurants,

More information

NEW JERSEY AUTO INSURANCE, BUYER S GUIDE

NEW JERSEY AUTO INSURANCE, BUYER S GUIDE NEW JERSEY AUTO INSURANCE, BUYER S GUIDE BG-NJ (1/14) WHAT'S INSIDE WHEREDOISTART?...1 UNDERSTANDING YOUR POLICY...2 Types of Coverages Standard and Basic Policies What are Limits and Deductibles? UNDERSTANDING

More information

Educational Guide to Automobile Insurance

Educational Guide to Automobile Insurance Educational Guide to Automobile Insurance Who needs auto insurance? Suppose you have an auto accident and you hurt or kill someone, damage someone else s property or damage your own car. If you are found

More information

AUTO INSURANCE PROTECTING YOUR DREAM

AUTO INSURANCE PROTECTING YOUR DREAM UTO INSURNCE PROTECTING YOUR DREM EVERY DY YOUR CR TKES YOU FROM POINT TO POINT and points in between. You re headed somewhere of the journey you ve created for yourself and school, work, or to pick up

More information

A Consumer s Guide Quick

A Consumer s Guide Quick A Consumer s Quick Guide Headquartered in Kansas City, Mo., the National Association of Insurance Commissioners (NAIC) is a voluntary organization of the chief insurance regulatory officials of the 50

More information

Insurance 101. Sally Becker CPCU ARM

Insurance 101. Sally Becker CPCU ARM Insurance 101 Sally Becker CPCU ARM 1 Statutes Texas Tort Claims Act CPRC 101 Indemnification CPRC 104 Limitation of Liability CPRC 108 2 Definition: A contractual relationship that exists when one party

More information

Your Guide to Financing

Your Guide to Financing Your Guide to Financing At Daimler Truck Financial, every customer is important. We ve been doing business that way since day one, which is why we have been a leader in the industry for close to 40 years.

More information

AUTO INSURANCE POLICY

AUTO INSURANCE POLICY AUTO INSURANCE POLICY WHERE TO FIND IT INSURANCE AGREEMENT AND DECLARATIONS GENERAL DEFINITIONS AUTOMOBILE LIABILITY Additional Definitions For This Coverage Coverage Provided Additional Benefits We Will

More information

Section 60-1.1 Mandatory provisions.

Section 60-1.1 Mandatory provisions. 11 NYCRR 60-1.1 OFFICIAL COMPILATION OF CODES, RULES AND REGULATIONS OF THE STATE OF NEW YORK TITLE 11. INSURANCE DEPARTMENT CHAPTER III. POLICY AND CERTIFICATE PROVISIONS SUBCHAPTER B. PROPERTY AND CASUALTY

More information

ONYX BUSINESS AUTO POLICY COVERAGE

ONYX BUSINESS AUTO POLICY COVERAGE ONYX BUSINESS AUTO POLICY COVERAGE Various provisions in this policy restrict overage Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy

More information

Are YOU paying too much for auto insurance?

Are YOU paying too much for auto insurance? PRSRT STD U.S. POSTAGE PAID Permit No. XX Anytown, PA Priority Access Code Enclosed for: PA Driver: John Q. Sample Are YOU paying too much for auto insurance? It s time to take a closer look. Fusura 800

More information

COMMERCIAL AUTOMOBILE APPLICATION

COMMERCIAL AUTOMOBILE APPLICATION Home Office: One Nationwide Plaza Columbus, Ohio 43215 Administrative Office: 8877 North Gainey Center Drive Scottsdale, Arizona 85258 1-800-423-7675 Fax (480) 483-6752 A STOCK COMPANY COMMERCIAL AUTOMOBILE

More information

Auto insurance basics

Auto insurance basics Auto insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC As an automobile owner and driver, most states require you to purchase car insurance. When buying a car insurance

More information