Showing posts with label business auto. Show all posts
Showing posts with label business auto. Show all posts

Wednesday, March 26, 2014

Property and Casualty Insurance

From ACE Insured

ACE Insured

ACE is one of the world’s truly global providers of commercial property and casualty insurance.

Our international network of underwriting, claims, and risk control professionals tailor insurance coverage to help businesses of all kinds reduce risk and mitigate loss. In addition, ACE offers reliable advice on a variety of protection and hazard topics, including process management, unusual hazards identification and expected loss calculations, and tailored engineering services—all backed by a strong capital base that allows us to cover major exposures. Service and Experience Our network of full-time, senior-level client executives in major markets around the world bring the ACE Group’s full capabilities to bear to meet our customers’ often complex needs in a comprehensive manner. ACE client executives work closely with customers and distribution partners to gain an understanding of clients’ risks and exposures, and provide a single point of contact to help them take full advantage of our global products and services.

Core retail and wholesale coverages include:

  • Agriculture
  • Aviation
  • Boiler and Machinery
  • Contract Liability
  • Construction/Wrap Ups
  • Crime and Fidelity
  • Defense Base Act
  • Directors and Officers/Professional Lines
  • Energy and Power Generation
  • Environmental Risks
  • Errors and Omissions
  • Events Liability
  • Foreign Casualty
  • General Liability 
  • Global Property
  • Kidnap and Ransom
  • Manufacturing Risks
  • Marine – Inland and Ocean   
  • Medical Risk
  • Mergers and Acquisitions  
  • Political Risk and Trade Credit
  • Product Liability
  • Product Recall
  • Property  
  • Property Catastrophe
  • Recreational Marine
  • Risk Management
  • Surety
  • Technology and Digital Risk
  • Umbrella/Excess Casualty
  • Workers Compensation (Excess)

  • ACE also offers special products and coverages for educational institutions, financial institutions, public entities, and the healthcare industry. 

    ESIS, Inc., provides a wide range of risk management products and services around the world. ESIS takes a balanced approach that integrates advanced clinical resources and business intelligence to deliver superior results.

    ESIS services include:
  • Workers compensation, auto and general liability claims management
  • Professional and product liability claims management
  • Global claims management programs in the Americas, Europe, and Asia
  • ESIS Medical ImpactSM, enhanced medical program model
  • Analytics in Action®, data analytic approaches
  • Global RiskAdvantage®, our  proprietary risk management information system
  • A Construction Industry practice with experts who are sharply focused on helping reduce claim frequency and construction loss costs.
  • Catastrophe claims management
  • Health, safety, and environmental consulting
  • Integrated disability management
  • Recovery services
  • ACE GPSSM – Meeting the needs of multinational clients 

    Multinational companies today operate in a constantly changing world. They face increased property and casualty risks, directors and officers liability, business travel accidents, reputation risk, environmental risk, terrorist incidents and more. At the same time, numerous country-specific regulations—and their stepped-up enforcement—make compliance and related issues increasingly complicated. Navigating through this uncertain environment is more challenging than ever before. That's why a growing number of multinationals and their brokers are turning to ACE. 

    ACE GPSSM: Better Protection Around the World ACE GPSSM is a dynamic, customizable platform tailored for multinational companies.  It brings together all the assets of ACE—our dedicated professionals, our international network, technological leadership and broad product array—and weaves those strengths into innovative insurance solutions to meet customer needs around the world. ACE GPSSM has advantages for CFOs, treasurers, risk managers, brokers and others in the decision-making process. Risk managers benefit from the contract certainty, accountability and value we offer. Brokers, too, appreciate our transparent structure and our ability to facilitate communications among parties.

    ACE WorldviewSM: Bringing It All Together Developed specifically for multinational risk managers, ACE WorldviewSM is a web-based desktop portal that gives you access to our systems and expertise in one easy-to-use application. It's unique in the industry and it's exclusive to ACE. ACE WorldviewSM allows you to monitor the status of your entire global program—in real time —from an intuitive, easy-to-navigate home screen. You can see program status updates on a daily basis; get copies of local policies and certificates; and access the ACE Insurance Directory,SM  the proprietary research tool our underwriters, account managers and legal staff use every day. Additional features include program contacts, multinational standards, policy issuance and claims alerts, and more. You also may benefit from access to Global RiskAdvantage,SM  our state-of-the-art multinational loss-reporting tool.

    Country-by-Country Compliance Our experienced professionals around the globe start by understanding your specific business and the issues you face. We partner with you and your broker to structure the most appropriate insurance program for your situation. In today's ever-changing regulatory climate, it's important to work with an insurer who understands local rules and customs. With our indigenous know-how, for example, we can analyze and confirm risk premium allocations The Right Team, the Right Time ACE GPSSM cuts across products and geography.  Our dedicated ACE Global Service Team works around the world to implement your global program,  managing the infrastructure, coordinating  among offices and making sure that developments in technology keep pace with those in the business world. We can provide an ACE Global Client Executive, depending on the size and scale of your ACE relationship. This ombudsman brings decades of experience and deep industry knowledge to the issues you face, and serves as your single point of contact throughout ACE. If you manage risks, people, or both at a large multinational organization, call your broker or your local ACE office to learn more about ACE GPSSM and let us demonstrate how we can help.

    ACE offers excess and surplus commercial P&C lines distributed through wholesale brokers around the world. ACE Westchester distributes excess and surplus lines property, casualty, environmental, professional liability and inland marine products in North America.  ACE Global Markets is one of the foremost specialty insurers in the London market.  ACE Global Markets works closely with the London market brokers to offer a comprehensive range of specialty products to local and international clients.  ACE Global Markets products include coverage for aviation, environmental liability, financial lines, property, energy, political risk & trade credit, marine and accident & health.

    This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions and may be available only through appropriately licensed brokers. Refer to the Licensing Information document for a chart of the jurisdictions in which each ACE Group subsidiary is licensed. 

    Lewis Insurance
    2525 S. Lamar Ste 11
    Austin, TX
    78704

    Thursday, March 6, 2014

    Trucking Insurance Coverages

    Trucking Insurance Coverages from Sentry

    Home


    Sentry is one of the nation’s leading insurers of trucking operations


    TRUCKING INSURANCE

    As a leader in the trucking insurance industry, Sentry has the expertise to design the individualized protection your trucking operation needs.
    When you insure with Sentry, you’ll have access to customized coverages, specialized safety programs and expert claims administration.
    With $11.3 billion in assets and $3.4 billion in policyholder surplus, Sentry is rated A+ (Superior) rating by A.M. Best, the industry’s rating authority


    With customized coverages, specialized safety programs and expert claims handling, Sentry knows how to protect your business from the pavement up


    AUTO LIABILITY

    As a trucker we realize that you’d rather focus on keeping your trucks on the road – not worrying about having the proper insurance protection. Sentry’s auto liability coverage includes bodily injury and property damage protection as well as a variety of deductible options and customizable liability limits.
    Our auto liability coverage offers options for hired and non-owned auto liability, trailer interchange and broadened pollution. Accident travel coverage is provided at no additional cost.







    MOTOR TRUCK CARGO

    Sentry can provide the valuable protection you need for the cargo you haul. Our motor truck cargo coverage includes:
    • No coinsurance clause
    • A variety of deductible options
    • Debris removal
    • Mechanical reefer breakdown
    • Uncollected earned freight charges
    • Load-handling equipment
    • Pollution coverage












    AUTO PHYSICAL DAMAGE

    Whether you are an owner/operator, or manage a large fleet, Sentry has the coverage you need for your most important asset – your trucks.
    Our physical damage program offers a variety of deductible options, rental reimbursement, unlimited towing and recovery costs and automatic coverage for temporary substitute vehicles. In addition, we provide protection for your:
    • Personal property
    • Tarps, chains and binders
    • Electronic in-cab equipment











    WORKERS’ COMPENSATION

    Sentry has proven expertise in workers’ compensation claims – by handling more than 60,000 claims each year. As a cost-containment solution, we utilize a preferred provider organization (PPO) and prescription drug program.




    Lewis Insurance
    2525 S. Lamar Ste 11
    Austin, TX
    78704


























    Monday, March 3, 2014

    Commercial Property

    From United Fire Group

    United Fire Group understands the risks you face as a business owner. We have carefully developed commercial property insurance solutions for any size business; from a locally-owned company on Main Street to one on the Fortune 500 list.
    Basic Coverage
    Personalized Coverage
    Properties require constant upkeep. And no matter how diligent you are in your efforts to maintain your property, unexpected losses can and do occur. We protect a wide variety of commercial property from fire, theft and natural disaster.
     
    Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

    Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

    Lewis Insurance
    2525 S. Lamar Ste 11
    Austin, TX
    78704


    Commercial Property

    Commercial Property

    Commercial Property

    Commercial Property

    Wednesday, February 26, 2014

    Driving For The Fun Of It

    Everything you need to know when it comes to insuring your recreational vehicles. Info from The Hartford.

    The Hartford

    RECREATIONAL VEHICLES

    Driving for the Fun of It

    Antique Car Coverage

    Antique Cars Get Great Benefits

    If you have an antique auto, The Hartford offers antique car insurance specifically geared to the needs of car owners like you.
    One of the questions we field most often for this “old-car insurance” category is, “How do you define an antique auto?” An antique auto is generally 25 or more years old and is maintained primarily for use in parades, exhibitions, club activities, and other functions of public interest.

    Save on Antique Car Insurance

    Antique autos are eligible for many of the same discounts as "everyday" vehicles. For example, you may be eligible for discounts if you have an anti-theft device in your antique car, if you take an approved Defensive Driver Course, or if bundle your antique car insurance with homeowners insurance.
    Availability of discounts and credits may vary by state or policy plan.

    Antique Auto Insurance Coverage

    In most states, the amount of coverage provided for an antique auto is determined using "stated amount" - an amount that you and The Hartford agree on as the maximum value for the vehicle. In the event of a loss, a claim adjuster will determine the current value of the antique auto, which cannot be more than the "stated amount" listed on the policy.
    In some states, The Hartford is introducing antique auto coverage based on "agreed value." This is the amount of coverage that you and The Hartford agree on as the value for the car, based on a recent, certified appraisal. The following coverages are available for antique autos (varies by state):
    • Bodily Injury Liability
    • Property Damage Liability
    • Physical Damage to your auto (mandatory for antique autos)
    For an additional premium, you may be able to add the following optional coverages (varies by state):
    • Towing and Labor
    • Extended Transportation
    • Full Glass

    Antique Auto Insurance Features

    Several of the features and benefits that give our auto insurance policyholders so much peace of mind also apply to antique car insurance from The Hartford.

    24/7 Roadside Assistance

    When you’re stranded, you want to call someone you can trust. Now you can call RESCUE 1-800, our emergency roadside service for The Hartford’s auto policyholders. Whether it’s to add gas to your tank, fix your flat tire or unlock a door, we will immediately send qualified service to assist you – whenever and wherever you need it.**

    No Drop Promise

    Once you become a policyholder, all you have to do is meet a few common-sense requirements like maintaining a valid driver’s license and you’re assured continued coverage for your car, regardless of your driving record.†

    24/7 Hassle Free Claim Service

    When you have a claim, it’s good to know that your insurance company has the experience and know-how to make the claims process as smooth as possible.

    ATV Coverage

    The Coverage You Need for Your ATV

    This ATV insurance coverage is underwritten by Foremost Property & Casualty Insurance through Nutmeg Insurance Agency.* Your ATV insurance coverage can vary depending on your state of residence and the level of coverage you desire. Trained insurance specialists can guide you through all available coverage options, so you can find the coverage that’s right for you.
    Not all coverages are available in all states.
    Important Coverage
    We can help you protect your investment with important standard and optional off-road vehicle coverages, including:
    • Collision coverage
    • Liability coverage
    • Medical payments coverage
    • Safety apparel coverage – This provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
    Additional Coverage
    For extra protection, there are additional options including:
    • Increased limits of liability
    • Optional equipment coverage including towable trailers or sleds made for use with an ATV
    Annual Policies
    You can enjoy year-round ATV coverage with no lay-up period.

    Boat & Watercraft Insurance

    Coverage to Help You Stay Afloat

    When it comes to boat insurance and personal watercraft insurance, you need customized protection.
    This boat insurance is underwritten by Foremost Property & Casualty Insurance through Nutmeg Insurance Agency.* Your boat insurance coverage can vary depending on the type of watercraft you own as well as your state of residence. Trained insurance specialists can guide you through all available options, so you can find the coverage that’s right for you.
    Not all coverages are available in all states.
    Important Coverage
    For real peace of mind as you're out on the water, you need a boat insurance policy that provides a wide range of coverages. These could include:
    • Physical damage
    • Increased limits on liability
    • Medical payments
    • Uninsured watercraft
    • Total loss replacement option
    • Personal property
    • Towing and assistance
    Additional Coverage
    For extra protection, there are additional options including:
    • Accessory Coverage
    • Agreed value hull coverage
    • Golf Cart Coverage

    • Request a Free Golf Cart Insurance Quote

      When it comes to protecting property that is as specialized as your golf cart, you need customized golf cart insurance coverage.
      This golf cart insurance is underwritten by Foremost Property & Casualty Insurance through Nutmeg Insurance Agency.* Your golf cart insurance coverage can vary depending on your state of residence and the level of coverage you desire. Trained insurance specialists can guide you through all available options, so you can find the coverage that’s right for you.
      Not all coverages are available in all states.
      Important Coverage
      We can help you protect your investment with important standard and optional golf-cart vehicle coverage, including:
      • Collision coverage
      • Liability coverage
      • Medical payments coverage
      Additional Coverage
      For extra protection, there are additional options including:
      • Increased limits of liability
      • Optional equipment coverage, including towable trailers, solar panels and aftermarket accessories
      Annual Policies
      You can enjoy year-round golf cart insurance coverage with no lay-up period.
    • Motorcycle Coverage

    • Request a Free Motorcycle Insurance Quote

      When it comes to protecting property that is as specialized as your motorcycle, you need customized motorcycle insurance protection.
      This motorcycle insurance coverage is underwritten by Foremost Property & Casualty Insurance through Nutmeg Insurance Agency.* Your motorcycle insurance protection can vary depending on your state of residence and the level of coverage you desire. Our insurance specialists can guide you through all your available coverage options, so you can find the right kind of motorcycle insurance protection for you.
      Not all coverages are available in all states.
      Important Motorcycle Coverage
      For real peace of mind, you need a policy that provides a wide range of coverages. These can include:
      • Collision coverage
      • Other Than Collision coverage
      • Liability coverage
      • Medical payments coverage
      • Safety apparel coverage
      • Optional equipment coverage
      Additional Coverage
      For extra protection, there are additional options including:
      • Increased limits of Liability
      • Uninsured/underinsured motorist coverage
      • Replacement cost total loss settlement coverage
      • Increased limits on optional equipment coverage
      • Towing and roadside assistance with trip interruption coverage
      Annual Policies
      You can enjoy year-round motorcycle insurance coverage with no lay-up period. 
    • RV Insurance for the Road Ahead

    • Motorhome Insurance to Keep You Rolling

      It’s more than a car, and it’s different than a home. It’s something special. So whether you need RV insurance, motorhome insurance, or trailer insurance, The Hartford offers the special protection you need to keep those road trips running smoothly.
      Our No-Drop Promise
      All you have to do is meet a few common-sense requirements like maintaining a valid driver’s license and you’re assured continued RV insurance coverage, regardless of your age or driving record.
      Hassle Free Claim Service
      A toll-free phone call puts you in touch with an insurance claim specialist anytime, no matter where you and your motorhome happen to be. If you need local assistance, local claims adjusters are there to help. That’s just part of having good RV insurance.
      Lifetime Repair
      If your motorhome is ever damaged in an accident, you can have it repaired anywhere you choose. But if you take it to one of our authorized RV specialist shops throughout the country, The Hartford stands behind the workmanship for as long as you own your motorhome.

      Snowmobile Coverage

    • Get Snowmobile Protection from The Hartford

      When it comes to property as specialized as snowmobiles, you need customized insurance protection.
      This snowmobile insurance coverage is underwritten by Foremost Property & Casualty Insurance through Nutmeg Insurance Agency.* Your snowmobile insurance coverage can vary depending on where you live and the amount of coverage you want. Trained insurance specialists can guide you through all available coverage options, so you can find the coverage that’s right for you.
      Not all coverages are available in all states.

      Important Snowmobile Coverage

      For real peace of mind, you need a policy that provides a wide range of snowmobile insurance coverage. This could include:
      • Collision coverage
      • Liability coverage
      • Medical payments coverage
      • Safety apparel coverage
      Additional Coverage
      For extra protection, there are additional options including:
      • Increased limits of liability
      • Optional equipment coverage, including towable sleds made for use with a snowmobile
      • Coverage on transport trailers valued up to $7,500
      Annual Policies
      You can enjoy year-round snowmobile insurance coverage with no lay-up period.
    • * Insurance policies are underwritten by Foremost Insurance Company Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, and Foremost County Mutual Insurance Company.
      In Texas, coverage is underwritten by Foremost Lloyds of Texas, 5600 Beech Tree Lane, Caledonia, MI 49316. The other Foremost company affiliates listed above, The Hartford, and Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Foremost Lloyds of Texas.

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    • This auto and home insurance program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. CA License #5152. In Washington, the auto program is underwritten by Hartford Insurance Company of the Midwest, and the home program is underwritten by Hartford Fire Insurance Company. In Michigan, the auto and home programs are underwritten by Hartford Underwriters Insurance Company. The homeowners product is not available in all areas, including the state of Florida. Specific features, credits, and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify.
      In Texas, the auto program is underwritten by Southern County Mutual Insurance Company through Hartford Underwriters General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. In Texas, the home program is underwritten by Hartford Fire Insurance Company.
    • Lewis Insurance
      2525 S. Lamar Ste 11
      Austin, TX
      78704

      Tuesday, February 25, 2014

      Get The Right Coverage At The Right Price

      Information about Auto Insurance coverage options from State Farm

      Get the Right Coverage at the Right Price


      Auto Insurance Coverage That Fits You

      Wondering what covers you and your vehicle in case of an accident? Wonder no more. State Farm® is there with the auto insurance coverage you need at a price you can afford — helping you in case of the unexpected.

      Liability Coverage

      How are you covered in case of an accident?
      You were distracted while backing out of a parking space and didn't see the car behind you until it was too late. You hit the car and you crashed through a fence, too. Everyone in the other car seems fine, but the other driver and his passengers go to the emergency room just to make sure.
      Liability Coverage pays damages due to bodily injury and property damages to others for which you are responsible. If you're sued, it also pays your defense and court costs. Medical expenses, pain and suffering, and lost wages are some examples of what Liability Bodily Injury may cover. Liability Property Damage covers damage to property and loss of its use.
      How much coverage do you need?
      Every state sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. Since it's impossible to know the most you'd have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you'd be able to afford any damages that exceed your auto insurance coverage. The higher your limits, the more likely it is that we'll be able to pay all of the damages for you. Limits higher than the state minimum might be the best choice for you.

      Medical Payments Coverage

      How are you covered in case of an accident?
      You were stopped at a red light when another car hit yours. You were injured. Medical Payments Coverage will pay reasonable and necessary medical and funeral expenses for covered persons.
      How much coverage do you need?
      The coverage is not required by most states, but it provides great coverage at an affordable price. The cost will correspond to the limits you select. There are no deductibles or copays, so this coverage can pay from the first dollar of incurred, covered expenses.

      Collision Coverage

      How are you covered in case of an accident?
      It's only a fender-bender, but the cost of the headlight, a new bumper, and a paint job can add up quickly. Collision Coverage will pay for damage to a covered vehicle caused by the following, subject to a deductible:
      • Collision with another vehicle
      • Collision with an object
      • A vehicle rollover
      How high should your deductible be?
      Higher deductibles lower your premium but increase the amount you'll have to pay out of your own pocket at the time of a loss. Ask yourself how much you're willing to pay when a loss occurs to save money on premiums.

      Comprehensive Coverage

      How are you covered in case of an accident?
      Who'd have thought that little hailstones could do so much damage? Your car is covered with dozens of dents. This comprehensive coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover. Typically, that's coverage for the following, and it may be subject to a deductible.
      • Fire
      • Wind
      • Hail
      • Flood
      • Vandalism
      • Theft
      • Hitting an animal
      How high should your deductible be?
      Higher deductibles lower your premium but increase the amount you'll have to pay out of your own pocket in case of a loss. Ask yourself how much you're willing to pay when a loss occurs to save money on premiums.

      Uninsured Motor Vehicle Coverage

      How are you covered in case of an accident?
      It's a sad fact: There are people who drive without any liability insurance. What if you're injured in an accident caused by one of these drivers? Uninsured Motorist Coverage will pay for damages when you are injured in a car accident caused by another person who does not have sufficient liability insurance. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages.
      Should you get this coverage?
      Doing so lets you decide how much auto insurance coverage is potentially available to pay for your covered damages when you are in an accident caused by an uninsured motor vehicle.

      Underinsured Motor Vehicle Coverage

      How are you covered in case of an accident?
      Many drivers carry low limits of liability coverage. What if you're injured in an accident caused by an underinsured driver? Underinsured Vehicle Coverage will pay for damages when you are injured in a car accident caused by another person who does not have sufficient liability insurance. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages.
      Should you get this coverage?
      Doing so lets you decide how much auto insurance coverage is available for your covered damages when you are in an accident caused by an underinsured motor vehicle.

      Car Rental and Travel Expenses Coverage

      How are you covered in case of an accident?
      Your car is in the shop after a collision. Rental Reimbursement pays the cost of renting a replacement vehicle so you don't have to interrupt your daily routine. Daily allowances or limits vary by state.
      Should you get this coverage?
      Consider how you'd get to work, school, or the store if your car were out of commission. If you depend on having a car available, could you afford to pay for a rental car yourself without this auto insurance coverage?

      Emergency Road Service

      How are you covered?
      Emergency Road Service provides towing your vehicle to a repair facility, mechanical labor at the place of breakdown when your vehicle becomes disabled, pulling your vehicle out of a location where it is stuck, delivery of gas or oil, assistance with changing a tire, a jumpstart and locksmith services. You can call 877-627-5757 for roadside assistance.
      If you have Coverage H (Emergency Road Service), you will not bear the up-front financial burden as State Farm will be billed directly for basic service. If you do not have Coverage H, you will need to pay for the services but will do so at a competitive rate negotiated by State Farm. This rate will usually be less than what is available in the market. If you pay for the services, you can submit the receipt to your agent for reimbursement consideration. Coverage limits vary by state.
      Should you get this coverage?
      Consider how much you could afford to pay out of your own pocket if you were stranded without this auto insurance coverage.

      Disclaimer

      Please remember that the following descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. To learn more about auto insurance coverage in your state, find a State Farm agent.

      © Copyright, State Farm Mutual Automobile Insurance Company, 2013.

      Lewis Insurance
      2525 S. Lamar Ste 11
      Austin, TX
      78704