Business Auto Policy

Transcription

1 Business Auto Policy

2 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, financial strength and products they need. Our 7,000 employees and nearly 4,000 agents are committed to industry-leading service, including fast and fair claims handling the service businessowners need when they need it most. We re also committed to helping you control and avoid loss. When risks are identified and controlled, your insurance protection works harder at the lowest possible cost. American Family s outstanding Loss Control and Safety Services give you access to safety specialists and customized loss prevention and reduction programs. People have trusted American Family since American Family Mutual Insurance Company is one of the top mutual property/casualty insurance companies in the United States. We offer competitively priced protection for your business, home, auto, life and health, backed by a solid asset base and prudent investments. We build longterm relationships by keeping our promises, and by offering personal attention and coverage that s easy and convenient. * Source: American Family Annual Report, 2007 American Family Insurance. All your protection under one roof.

3 Liability Coverage Protects you and your business, up to the policy limits you select, if you are legally responsible for injury to or the death of others or for damage to their property arising out of the use of a covered vehicle within the scope of permission. Reasonable and necessary costs arising out of the following losses and covered expenses are included: Bodily Injury First Aid Expenses Court Costs Damage to Other Vehicles Other Property Damage Loading and Unloading Covers your liability for injury to others or damage to their property (other than the goods being moved) while moving goods from the place where you accept them for movement into or onto your vehicle, and while being moved from your vehicle to the place where the goods are accepted as delivered. Medical Expense or Personal Injury Protection Covers reasonable and necessary medical and funeral expenses up to the policy limits for the services performed within three years of a covered accident. Ask your agent or refer to the policy for further details. I want to know the righ

4 Comprehensive Pays for accidental loss or damage to your insured vehicle from most causes except collision or overturn. Windstorm Fire Glass Breakage Theft Hail Vandalism Falling Objects Collision with Animals Flood Collision Pays for damage to your vehicle caused by collision or overturn, regardless of who is at fault. Pays for certain accidental damages when a collision does not involve another vehicle. Protects you against damage done by another vehicle in a hit-and-run accident. Reasonable and necessary costs associated with the following types of collision are covered: With other vehicles U p s e t While parked With Stationary Objects Uninsured Motorist (In Washington, this is part of Underinsured Motorist Coverage) Provides payment, up to the limits contained in the policy, for covered legally collectible damages for bodily injury or death if you or any person riding in your vehicle is injured or killed in an accident by an at-fault uninsured vehicle, or if the driver at fault is never identified. This coverage may also protect you if you are hit as a pedestrian. that I have t coverage for m

5 Underinsured Motorist Provides payment, up to the limits contained in the policy, for covered legally collectible damages for bodily injury or death if you or any person riding in your vehicle is injured or killed in an accident with a vehicle whose driver has insufficient liability limits. This coverage may also protect you if you are hit as a pedestrian. Other Protection you may want to consider: Hired Auto Coverage provides liability coverage for autos that you may hire for short term use. Physical damage coverage for hired autos is also available. Non-owned Auto Liability Coverage protects your business from liability that may arise when your employee uses his or her own car in connection with your business. Ask about our Loss Control services American Family offers loss control services to its commercial lines insurance policyholders. Our highlytrained loss control specialists can provide a host of valuable services ranging from fleet safety inspections to safe driving training courses, all designed to minimize potential areas of risk for your employees and operation. There is no charge to you for this service. y business.

6 LET ME HELP YOU DETERMINE THE SPE AND RATES FOR YOUR BUSINESS AUTO Mileage Radius Vehicle Year, Make & Model Body Type Bodily Injury $ Property Damage $ Medical Expense $ PIP $ Comprehensive $ /Deductible Collision $ Uninsured Motorist $ Underinsured Motorist $ VEHICLE 1 Optional Coverages Hired Auto Liability $ Non-owned Auto Liability $ Other $ /Deductible All of these can be provided for an estimated premium of: $ Total Estimated Advance Annual Premium $ Your Estimated Premium Using Commercial Lines Billing $ This is not an application for, or offer of, insurance coverage. An application to American Family Mutual Insurance Company / American Family Ins Coverage features and limits vary by state. Some products are not available in every Please check with your agent for the exact terms and conditions of your policy.

7 MINE THE SPECIFIC COVERAGES SINESS AUTO VEHICLE 1 VEHICLE 2 VEHICLE 3 ible ible $ $ $ overage. Company / American Family Insurance Company will be required. oducts are not available in every state. d conditions of your policy.

8 AMERICAN FAMILY S BUSINESS AUTO COVERAGE FEATURE Blanket Additional Insured Broad Form Named Insured Autos Rented by Employees Extra Expense Broadened Coverage Accidental Airbag Inflation Coverage Extension Audio, Visual and Data Electronic Equipment not designed solely for the reproduction of sound Replacement Cost Private Passenger Vehicle Glass Repair Waiver of Deductible Amended Duties in the Event of Accident, Claim, Suit or Loss Unintentional Errors, Omissions or Failure to Disclose Hazards Mental Anguish Coverage features and limits vary by state. Please check with your agent for the e

9 OLICY ENHANCEMENT ENDORSEMENT ENDORSEMENT LIMIT Adds additional insured on blanket basis, if required in a written contract. No separate endorsement is necessary. Allows coverage for business entities you own or acquire during the policy period, provided you have 50% or more ownership in those business entities. An employee is an insured while operating a hired auto under a contract/agreement in that employee s name. Pays the direct expense of returning a stolen covered auto to insured. Coverage is provided for accidental airbag inflation. Covers permanently installed electronics other than stereo, CD players, etc. Provides Replacement Cost coverage for private passenger vehicle for a total loss occurring within 180 days of purchase. Waive deductible if glass is repaired instead of replaced. Eases notice of accident requirements. Coverage will not be denied based on unintentional failure to disclose hazards. Bodily Injury also includes mental anguish when it arises from other bodily injury, sickness or disease. me products are not available in every state. ct terms and conditions of your policy.

10 Consider American Family for your business insurance needs. n Businessowners and Business Key Policies Afford a full range of coverages for business property and liability n Umbrella Provides additional liability protection with high limits n Business Auto Includes liability, medical payments and physical damage coverages n Workers Compensation Includes coverages for occupational disabilities, injuries and death (Not available in all states) n Employee Benefits Liability Life Insurance Life insurance from American Family Life Insurance Company can help protect your business from financial loss caused by the death of a businessowner, partner or key employee. n Help pay off business debt n Funding for a buy-sell agreement Life insurance and annuity plans can help provide financial protection to your employees and their families. n Life insurance policies for employees (e.g., Executive Bonus) n Traditional IRA, SEP IRA, Simple IRA tax deductible retirement plans funded with annuities n Roth IRA funded with an annuity This brochure represents only a brief description of coverages. Please read the policy for exact details on coverages and exclusions. American Family Mutual Insurance Company and its Subsidiaries American Family Insurance Company Home Office Madison, WI ADB Rev.1/