37000 12 Mile Rd., Suite 101
Farmington Hills, MI 48331
248.848.0200
Our
tradition of superior service and subject expertise
provides your school with more than a standard insurance
offering. From towning and repairs to lease gap and
broadened coverages, our high-quality product delivers
proper protection in these increasingly complex times.
Provides physical damage
coverage for temporary substitue autos if physical damage
is provided for the owned auto withdrawn from service.
BROAD FORM INSURED
Covers, with limitation,
all legally incorporated entities of which the insured
owns momre than 50 percent interest.
SCHOOL EMPLOYEES AS INSURED (OPTIONAL)
Provides excess nonowner
liability coverage to conver the individual liabililty
of employees and volunteers using their own autos in
the insured's business.
ADDITIONAL INSURED BY CONTRACT, AGREEMENT OR
PERMIT
Includes as an insured
any person or organization with whom the insured has
agreed, by written contract, agreement or permit to
provide insurance such as is afforded under this policy.
SUPPLEMENTARY PAYMENTS
Increases bail bonds
to $2,500 and loss of earnings to $300 per day.
AMENDED FELLOW EMPLOYEE EXCLUSION
Enables the bodily injury
liability coverage to protect an employee, on an excess
basis, against a lawsuit brought by a fellow employee.
TOWING AND LABOR
Provides towning and
labor up to $50 per disablement for private passenger
autos and lightweight trucks; up to $150 per disablement
for medium-weight trucks.
Increase coverage for
temporary trnasportation expense up to $50 per day ($1,000
total) if a covered auto is stolen ($1,500 total in
New York).
RENTAL REIMBURSEMENT
Covers rental expense
up to $1,000 if the auto is coverd phyusical damage
and cause of loss is other than theft.
EXTRA EXPENSE - BROADENED COVERAGE
Covers the expense of
returning a stolen auto to the insured if the auto is
covered by theft. (Not available in New York).
PERSONAL EFFECTS COVERAGE
Provides coverage up
to $600 for personal effects if stolen with a covered
auto.
AIRBAG COVERAGE
Provides the cost to
reset or replace an airbog that inflates accidentally
if the auto has comprehensive or collision coverage.
SOUND RECEIVING AND REPRODUCING EQUIPMENT -
BROADENED COVERAGE
Covers permanently installed
sound receiving or reproducing equipment. (Not available
in New York).
LEASE GAP
Pays the outstanding
balance of a lease, if it exceeds the actual value of
the auto and the loss is a total loss. (Not available
in New York).
GLASS REPAIR - WAIVER OF DEDUCTABLE
Waives the deductible
if the glass is repaired instead of replaced.
PHYSICAL DAMAGE - COMPREHENSIVE COVERAGE - PER
EVENT DEDUCTIBLE (OPTIONAL)
Limits the sum of per-auto
comprehensive coverage deductible amounts to be paid
by the insured for all loss in any one event.
UNINTENTINAL FAILURE TO DISCLOSE HAZARDS
Clarifies that the insured's
failure to disclose all hazards or exposures will not
affect coverage unliess the failure was intentional.
AMENDED DUTIES IN THE EVENT OF ACCIDENT, CLAIM,
SUIT, OR LOSS
Clarifies that the insured's
duty to notify us of a loss does not begin until the
loss is known to the insured.
BODILY INJURY REDEFINED
Redefines bodily injury
to mean physical injury, sickness or disease sustained
by a person, including mental anguish, mental injury,
shock, fright (i.e., non-physical injury), or death
resulting from any of these at any time.
EXTENDED CANCELLATION CONDITION
Provides at least 60
days' time in which to replace coverage if cancellation
is for any reason other than nonpayment.
Our
tradition of superior service and subject expertise
provides your school with more than a standard insurance
offering. From towning and repairs to lease gap and
broadened coverages, our high-quality product delivers
proper protection in these increasingly complex times.