General Liability Insurance - Benefits Plans Summary
Coverage Plans – 2 options |
Coverage is the same for both plans except for: |
|---|---|
| Standard Plan | No deductible
Does NOT cover claims from assembling or installing |
| White Glove plan |
Covers claims from assembling and installing Deductible: $1,000 per occurrence except $5,000 for water damage |
Amount of Insurance – 2 options |
$100,000 Policy | $1,000,000 Policy |
|---|---|---|
| Each Occurrence | $100,000 | $1,000,000 |
| General Aggregate | $200,000 | $2,000,000 |
| Products / Completed Operations Aggregate | $200,000 | $2,000,000 |
| Personal Injury & Advertising Injury | $100,000 | $1,000,000 |
| Damage to Premises Rented By You | $100,000 | $100,000 |
| Medical Expense (per person) | $5,000 | $5,000 |
Coverage Features |
|
|---|---|
| Covers bodily injury and property damage claims | Yes |
| Covers legal defense costs outside policy limits | Yes |
| Broad form Contractual Liability included | Yes |
| Blanket Additional Insureds coverage | Yes when stated on a Certificate of Insurance or required by written agreement or contract |
| Blanket Waiver of Subrogation | Yes |
| Primary & Non-Contributory | Yes |
| Covers loading/unloading claims | Yes, excess over collectible auto insurance |
| Extended bodily injury definition | Yes |
| Broad form property damage definition | Yes |
| Covers your work for any contracting companies | ‘Full-Time’ Drivers* |
| Covers work for primary contracting companies only | ‘Part-Time’ Drivers* |
* Members pick a status when joining A4DD. To change your time status use our website Contact Us form.
Note:
The coverage highlights listed are only a summary of the policy coverages and benefits. For complete details, please review the policy for terms, conditions, limitations and exclusions. If there is a conflict between these highlights and the policy, the policy will govern in all matters.
