Coverage--Personal Liability

Liability insurance covers injuries or damages caused by you the driver. Your insurance provider will pay any costs related to an accident in which you are at fault. Liability insurance is essential to have and many states require it.

Coverage - Property Damage

Property damage liability is insurance that covers any damage you cause to vehicles, homes, garages, mail boxes, telephone poles, signage or other objects. It?s a good idea to carry it. Many states require that you do.

Coverage - Bodily Injury

All drivers should have liability coverage for bodily injury. If you were to ever hurt or kill someone while driving, your insurance provider would pay for costs such as hospital and doctor bills, legal fees, and court costs. Insurance policies have different restrictions. Consult with your insurer if you have questions.

Coverage - Comprehensive

Comprehensive insurance covers the cost of repairing or replacing your vehicle when it has been damaged by something other than a collision (fire, theft, storm, etc.) It pays only the depreciated value of the vehicle (how much it is worth at the time), minus the amount of deductible you carry in your insurance policy. This type of policy is necessary if you own a new or expensive vehicle.

Coverage - Collision

Collision insurance pays the cost of repairing or replacing your vehicle when it has been damaged in an accident you caused. It also compensates you when you cannot collect from another driver who caused the collision. Important for new or expensive vehicles.

Coverage - Uninsured Motorist

With uninsured motorist coverage, your medical expenses will be covered if you are injured by someone else who does not have insurance. This also covers any injuries you suffer as a result of being the victim of a hit-and-run accident. Some states require all drivers to carry this insurance.

Coverage - Roadside Assistance

For additional coverage, many people get roadside assistance and towing insurance. This coverage pays the cost of towing or minor repair on disabled vehicles (dead battery, flat tire, insufficient gas, accident).

 

Factors that Affect Rates

The insurance premium one pays depends on several factors:

Preventing Automobile Theft:
The easiest way to prevent theft of your vehicle is to remove the keys and lock the doors. A vehicle alarm system will scare off intruders but may not prevent break-in damage. Many drivers are now using The Club?, a bar that is secured onto the steering wheel, making it impossible to drive the vehicle. Thieves can see it through the window before doing any damage.

Philadelphia Insurance Companies

Specialty Training and Vocational Schools
This is a package of insurance uniquely designed to fulfill a wide range of special insurance needs for schools.

Specialty Training and Vocational Schools Package Coverages

Liability:
Comprehensive General Liability - limits to $1,000,000
Premises Liability
Personal Injury Liability
Employee Benefits Liability
Coverage for Special Events
Educator's Professional Liability (occurrence from)
Umbrella Liability - $5,000,000

Property:
All-Risk on Building and Contents
Coverage for Property of Students
Loss of Income and Extra Expense
Vandalism Reward Reimbursement
Replacement Cost Endorsement
Tuition Reimbursement Fees

Automobile:
Owned Automobiles
Non-Owned Automobile Exposures
Hired Automobiles
Liability and Physical Damage

Crime and Fidelity:
Employee Dishonest - Form A (Blanket Fidelity)
Theft, Disappearance and Destruction - Inside/Outside Premises

Employment Related Practices Liability:
We offer a separate policy specifically designed for Specialty. Training and vocational Schools which includes as insureds: The entity, faculty and employees (Claims Made Form).

Service:
Clients are serviced by both our Home Office staff as well as our regional offices located throughout the country.

Carrier:
These coverages are underwritten by Philadelphia Insurance Companies rated "A" Excellent by A.M. Best.

Documents Required for Quotation:
Completed and signed application
Photographs of our location(s)
Brochures or other information about your organization
Most recent financial statement
Loss runs from your current insurance company for previous 3 years

Payment Terms:
Interest-free installments are available.

This summary is provided for the convenience of our customers and is not intended to supersede or amend any of the terms, conditions, or provisions contained within the actual insurance policies.