New Commercial Auto Offering Includes Enhancements To Broaden Base Coverage

Your customers can receive much more than standard protection with a commercial auto policy from The Hartford. Our new commercial auto offering includes 17 coverage enhancements which broaden the base coverage.*

The enhanced coverage features of our broad form coverage endorsement mean added benefits for your customers:

Ø      BROAD FORM INSURED

Subsidiaries

If a named insured inadvertently neglects to list a subsidiary on the insurance application that it intended to include, coverage is automatically extended to that subsidiary.

Newly Acquired or Formed Organizations

If the named insured acquires majority ownership of a company for which auto insurance is not in-force at the time of the change, the acquired company becomes a named insured.

Employees as Insureds

If an employee driving his or her own car on company business has an accident, the employee is afforded personal liability protection in excess of his or her personal auto insurance.

Lessors as Insureds

Allows insureds to satisfy their contractual obligation with lessors without the need to obtain a binder of coverage from us. Also satisfies the routine request for “blanket” additional insured coverage for lessors.

Ø      AUTOS RENTED BY EMPLOYEES

Adds coverage for employees who rent autos in their own name on behalf of the company. This eliminates the need to use ISO endorsement, Employee Hired Autos, CA 20 54.

Ø      FELLOW EMPLOYEE EXCLUSION

Provides excess coverage over the driver’s personal auto policy. Employees are afforded protection against suits from fellow workers when state law does not grant immunity to the employee.

Ø      HIRED AUTO PHYSICAL DAMAGE

Automatically extends physical damage to hired autos if at least one owned auto is insured for physical damage and liability coverage is afforded for hired autos. Limit is $50,000 per loss (coverage is excess over other insurance). $1,000 limit for loss of use if insured is legally liable.

Ø      TRANSPORTATION EXPENSE

Provides for temporary transportation in the event of total theft. Increases ISO limit to $50 per day with maximum limit of $1,000.

Ø      LEASE GAP COVERAGE

Pays the outstanding balance of a lease, if it exceeds actual cash value, when there is a total loss to a leased covered auto for which the lessor is an additional insured.

Ø      AIRBAG COVERAGE

Covers the expense to reset or replace an airbag that inflates even if the covered auto incurs no physical damage.

Ø      SOUND RECEIVING AND REPRODUCING EQUIPMENT

Automatically expands coverage, without a separate premium charge, to the cost of replacing or repairing permanently installed audio, visual or data equipment.

Ø      EXTRA EXPENSE – BROADENED COVERAGE

 Pays the extra expense required to return a stolen vehicle to the insured.

Ø      GLASS REPAIR – WAIVER OF DEDUCTIBLE

Waives the physical damage deductible if damaged glass is repaired instead of replaced.

Ø      TWO OR MORE DEDUCTIBLES

If damage occurs in a single event to property covered by a Hartford auto policy and one or more other Hartford policies, only one deductible will apply. When the smaller deductible is the auto deductible, it is waived. If the other policy has the smaller deductible, the auto deductible is reduced by that amount.

Ø      DUTIES IN THE EVENT OF ACCIDENT, CLAIM OR SUIT

The obligation to promptly notify us in the event of an accident is amended to clarify that the obligation applies only when the accident is known to the Named Insured or an appropriate representative, depending on the type of entity.*

Ø      UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS

Amends the policy such that we cannot deny coverage if the named insured failed to disclose any hazards existing on the effective date of the policy if the failure is unintentional.

Ø      HIRED AUTO – COVERAGE TERRITORY

Coverage territory regarding liability arising out of the operation of hired autos is expanded to worldwide, so long as suit is brought in the USA, its territories and possessions, Puerto Rico or Canada.

Ø      WAIVER OF SUBROGATION

Waives the right of recovery against anyone the named insured has, through a written contract, waived its rights.

Ø      RESULTANT MENTAL ANGUISH

Extends the definition of “bodily injury” to include mental anguish resulting from bodily injury, sickness or disease.

Ø      CANCELLATION CONDITION

Broadens most state cancellation provisions of the Common Policy Conditions section of the policy to 60 days for cancellations other than for non-payment of premium.

*Not available in all states. Talk to your Hartford Sales Representative for additional information on Broad Form Endorsements.

This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.