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Benefit Plans Summary

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: $2,500 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 $1,000,000
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.