General Liability
This gives 3rd parties access to policy limits that are not their own.
What is an Additional Insured Endorsement?
This type of insurance pays for medical care and lost wages when an employee is injured on the job.
What is Workers’ Compensation?
This coverage responds when a business-owned vehicle causes bodily injury or property damage to others.
What is Liability Coverage?
This line of coverage protects a business from lawsuits brought by employees alleging unfair treatment.
What is Employment Practices Liability Insurance?
Year Hotchkiss was established
what is 1975?
Under a CGL policy, these individuals are automatically insureds when they are acting within the scope of their employment.
Who are employees?
This rating factor compares an employer’s past losses to the expected losses for its industry and can raise or lower premiums.
What is the Experience Modification Factor (EMR or MOD)?
This physical damage coverage pays for losses such as hail, fire, theft, or vandalism to an insured vehicle.
What is Comprehensive coverage?
When threat actors encrypt a company’s data and demand payment, the event is known as this.
What is ransomware?
Our 4 Core Values
What are agile, inquisitive, passionate, loyal?
This coverage pays for small, no-fault medical expenses, regardless of negligence, for injuries occurring on the insured's premises.
What is Coverage C – Medical Payments?
In standard Workers’ Compensation policies, Part One covers statutory benefits; Part Two covers this separate liability exposure.
What is Employers Liability?
When employees use personal vehicles for business errands, claims often fall under this type of liability coverage.
What is Hired & Non-Owned Auto Liability (Symbol 8 & 9)?
This is the most frequently reported type of EPLI claim, involving the unlawful dismissal of an employee.
What is wrongful termination?
What is keep things fun?
These are the two major coverage parts of the standard Commercial General Liability policy.
What are Coverage A (Bodily Injury & Property Damage) and Coverage B (Personal & Advertising Injury)?
Workers’ Compensation pays a percentage of an employee’s wages when they cannot work because of a job-related injury; these payments are known as this.
What are disability benefits?
This optional coverage pays for medical expenses for occupants of the insured vehicle, regardless of fault.
What is Medical Payments or PIP coverage?
This insurance protects a business from financial loss caused by theft, fraud, or dishonesty.
What is Commercial Crime insurance?
Hotchkiss employs this number of AAs.
What is 16.
This type of CGL trigger—less common than occurrence—is based on when a claim is first made against the insured rather than when the injury or damage actually happens.
What is a “claims-made” coverage trigger?
If an employee is injured in a different state than where they normally work, coverage may extend through these policy sections designed for multi-state operations.
What are Other States Coverage or the “3.A/3.C” sections of the policy?
This endorsement extends coverage to executives who do not personally own a vehicle but may drive non-business autos.
What is the Drive Other Car (DOC) endorsement?
If criminals redirect electronic wire transfers to their own accounts, the loss is covered under this.
What is Funds Transfer Fraud coverage?
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