AUTO INSURANCE

Auto 

We offer various types of auto insurance coverage and will also conduct a comprehensive review of your current policy. It is our goal to find you the best rate without sacrificing coverage. Our auto insurance includes basic coverage that protects you in the event of an accident. If you are at fault, it pays for the other person’s damage and medical expenses. Full coverage covers your vehicle in the event of any repairs, or the total cost of the car along with rental car, towing fees, and medical payments.

Rideshare

Rideshare insurance is a type of car insurance coverage available to people who drive for a ride-sharing company such as Uber or Lyft. The insurance is designed to fill the gap in coverage provided by your personal car insurance and the commercial insurance offered by the ride-sharing company.

Motorcycle

Motorcycle insurance provides a peace of mind and security in the event of an accident, loss, theft or damage. Motorcycle insurance may also include optional equipment coverage, replacement cost, and medical payments coverage. Liability coverage in case you are responsible for another person’s injuries or property damage.

Boat

Boat insurance covers damage to your boat, motor, trailer, and personal items in the boat. It protects the boat owner against liability lawsuits and medical payments. Boat insurance protects most watercrafts with engines including small fishing boats, powerboats, houseboats, yachts, and pontoons.

 Your boat insurance policy may include the following:

Total Loss Replacement Cost - In the event of a total loss, this coverage will pay the Amount of Insurance shown on the Declarations Page. However, if replaced

with a new watercraft of like kind and quality within 365 days of the loss, and if the cost to replace the watercraft exceeds the Amount of Insurance, we will pay the

amount actually spent for the replacement, up to 120% of the Amount of Insurance.

Plus, PWC Elite - Available for watercraft up to 3 years old.

Elite, Pontoon Elite, Performance Elite - Available for watercraft up to 5 years old.

Watersports Liability - Liability coverage for watersports such as waterskiing, tubing, and wakeboarding.

Diminishing Deductible - We will reduce any applicable deductible by 25% for each consecutive year a watercraft is insured in the Marine Choice program without a paid loss.

Depreciation Waiver - Depreciation will not be applied to any partial loss payments on certain items such as outboard motors, outdrive power units, sails, carpeting, and batteries.

 Plus - Applies to specified watercraft parts up to 10 years old.

 Elite, Pontoon Elite, Classic Elite, Performance Elite - Applies to specified watercraft parts up to 15 years old.

 PWC Elite - Depreciation will not be applied to any partial losses.

Hurricane Haul-Out - If a Tropical Depression, Tropical Storm, Hurricane or Nor'Easter watch or warning is issued for the location of the watercraft, this coverage will reimburse the costs to have the vessel moved by a professional.

 Plus - Reimburses up to $500 or 50% of the costs.

 Elite, Pontoon Elite, Classic Elite, Performance Elite - Reimburses up to $2,000 or 50% of the costs.

 PWC Elite - Reimburses up to $250 or 50% of the costs.

Tournament Fee Reimbursement - Provides reimbursement for out-of-pocket fishing tournament entry fees if the insured is unable to participate in a tournament due to a covered loss. A limit of $250 per tournament, and $750 per policy period applies.

Boat Lift/Hoist/Cradle - Provides up to $2,000 for covered damage to an insureds boat lift, cradle, or hoist.

Dinghy - Provides up to $10,000 coverage for a covered loss to a dinghy primarily used as the tender to the insured watercraft.

Bahamas and Mexico Waters - Navigation coverage is extended to Bahamian waters and Mexican waters. Mexican waters coverage will not extend south of 22' 50 north latitude.

Pet Coverage - If Personal Property coverage is purchased, up to $1,000 is provided for injuries or death to a cat or dog occurring as a result of a covered loss while on the watercraft.

Extended Pollution Liability - In addition to the limit of Personal Liability purchased, we will pay up to the statutory limit as specified in the Oil Pollution Act of 1990.

Trip Interruption - Reimbursement for lodging, meals, rental and transportation costs due to a covered loss of the watercraft or disablement of the trailer.

 Elite, Pontoon Elite, Classic Elite, Performance Elite - Reimburses up to $1,200 per occurrence.

 PWC Elite - Reimburses up to $500 per occurrence.

Enhanced Towing - In addition to our standard towing coverage services, we will also pay up to $250 per disablement for the cost of gas and oil.

Loss Forgiveness - If an insured has not incurred a loss over a three year period, the first non-liability loss will not be surcharged.

Guaranteed Renewal - We will offer a renewal on subsequent terms if the risk remains within our underwriting standards.

 

The amount of compensation you receive for a claim depends on a few things, including your deductibles, limits and whether your boater’s insurance covers your boat’s actual cash value, replacement cost or agreed upon value.

          

 Commercial auto

This insurance offers broader protection to truck drivers, couriers, business owners, snow plough operators and people like the pizza delivery guys. The common types of individual auto insurance policies would also apply to commercial insurance like bodily injury liability, collision, personal injury protection, property damage, comprehensive and uninsured motorist policies. It is smarter to hold commercial auto insurance when you are a business owner; such a cover will save you from a financial catastrophe.

As in the case of personal comprehensive coverage, this kind of commercial auto insurance will pay for all damages that are incurred by your vehicle when it is being used for business.

Construction—Special Trade Contractors 

Tradesman who earns income by performing repair, improvement, installation or maintenance services at residential and commercial locations, including new construction sites. 

Construction—Builders & General Trade Contractors 

Contractors or builders managing projects related to housing or non-housing construction. They are responsible for the entire project (new work, alterations, remodeling, and repair) and hire special trade contractors for their projects 

Courier, Mail & Newspaper Delivery 

Business that earns income by completing the delivery of letters, documents or small packages for a fee. Please note that the “Courier” business classification is not available to Sole Proprietors. Examples include but are not limited to: 

1. Legal Documents 

2. Federal Express 

3. Greyhound Package Express 

Dirt, Sand & Gravel 

Business earns income by transporting dirt, sand, gravel or asphalt on a for-hire basis. This business type is unacceptable. 

Farming & Livestock 

Business earns income by raising livestock or agricultural production. Examples include: 

1. Farming 

2. Ranching 

3. Fisheries 

4. Nurseries/Floriculture production 

Food Services, Restaurants, & Pizza Delivery 

Business earns income by providing and selling prepared food. Vehicles used to support business by delivering prepared food, picking up supplies, running errands, etc. 

For-Hire Livery 

Business earns income by transporting customers for a fee. This business type is unacceptable. Examples include but not limited to: UBER®, LYFTTM. 

Landscaping, Snowplowing & Firewood 

Business earns income by providing landscaping or snowplowing services to residential and commercial properties. Can also earn income by delivering or selling firewood. Examples include but are not limited to: 

1. Lawn care installation or maintenance 

2. Tree trimmers 

3. Snow removal (residential/commercial) 

4. Delivery of firewood 

Logging & Log Transport 

Business earns income transporting logs, lumber, or wood chips for a fee. This business type is unacceptable. 

Manufacturing 

Establishments engaged in the mass production of products. 

Non-Business 

Applicant uses vehicle for personal use only, no income is earned. Examples include but are not limited to: 

1. Personal auto titled in the business name 

2. Vehicle type not acceptable on a personal policy

 

Passenger Transportation (Not for Hire) 

Business earns income through a service to their customers. Passengers are transported as a courtesy and are incidental to the way the business earns a profit. Transportation of passengers is not done on a for-hire basis. Unacceptable risks include taxicabs, transportation of prisoners or reform school students, transporting of children between home and school, and all for-hire livery/passenger risks. Acceptable example includes a courtesy hotel shuttle for guests. 

Retail Trade Operations 

Sale of goods in small quantities to the public. 

Services 

Business earns income by providing a service or selling goods. Vehicles used to support business by delivering goods, picking up supplies, running errands, etc. 

Towing Services, Gas Stations & Auto Repair 

Establishments primarily engaged in providing towing services and auto repair. This business type is unacceptable. 

Trucking For-Hire 

Business earns income by transporting raw materials, goods, or equipment. 

Examples include but are not limited to: 

1. Agricultural hauling 

2. Refrigerated goods 

Waste Haulers 

Business earns income by collecting from residential or commercial customers, including containers from construction sites and to/from transfer stations and landfills. Also includes septic waste contractors and businesses that recycle or sell scrap metal. This business type is unacceptable. 

Wholesale Trade 

Establishments primarily engaged in the purchase of durable and/or non-durable goods, including food products from manufacturers and their distribution to retailers.