* Third Party Liability: Covers damage caused to another person's property or injury caused to others (including passengers) by the insured vehicle.
* Comprehensive: Includes coverage for damage to the insured vehicle, regardless of fault, including theft, fire, vandalism, wind, water damage, and collision with an object other than another vehicle.
* Collision and Upset: Pays for damage to one's own vehicle after a collision with another motor vehicle or if the vehicle rolls over.
* Non-Compulsory Third-Party Liability: Provides liability coverage, without the need for basic or enhanced accident benefits. This type of policy only covers expenses related to injuries to others.
* Uninsured Motorist Coverage: Provides coverage for damages and injuries caused by uninsured, hit and run drivers.
Commercial Auto Insurance:
* Commercial Vehicle Liability: Includes liability coverage for both commercial and personal vehicles. Coverage is generally extended for vehicles used for both personal use and work purposes.
* Commercial Auto-Comprehensive and Collision: Covers theft, fire, damage from vandalism, wind, water damage, collision, upset and other physical damages to the insured commercial vehicle.
* Commercial Auto-Cargo coverage: Pays for loss, theft, or damage to cargo or any other products while in transit and in or attached to the insured vehicle.
* Commercial Liability: Coverage is offered for businesses engaged in non-automobile work, such as landscaping or construction work. Includes liability coverage for bodily injuries, property damage and personal injuries to others, or to your workers while on the job.
* General Liability: Provides liability coverage for various business operations, including property damage, bodily injuries to third parties, and personal injuries.
* Professional Liability Insurance: Protects against legal liabilities caused by errors, negligence or failure to advise in a professional's services.
* Errors & Omission Insurance: Coverage is offered for professionals like lawyers, accountants, insurance agents, investment advisers, and healthcare professionals. Coverage is provided for any negligent acts, errors or omissions related to professional services for clients or customers.
Additional coverages:
* Legal defense: covers legal fees and costs incurred in defending a lawsuit arising from an accident.
* Rental car: provides coverage for renting a vehicle while your car is being repaired or replaced after a covered loss.
* Emergency roadside assistance: covers the cost of towing, flat-tire changes, jump-starts and other roadside services.
* Personal belongings: covers personal items lost or damaged while in your car.
* Custom parts and equipment: covers the cost of repairing or replacing custom parts and equipment installed on your car.
