Business Insurance

FIVESTAR
Commercial Auto

Certificate Request (Existing Business Clients)

Haines Insurance is looking for good quality commercial accounts. If you are a small contractor or small business owner, contact us for a quote. We have competitive liability and workers compensation rates, and we are actively seeking to insure small businesses in our area.

FIVESTAR ERIEplaceable Business Insurance

ERIE’s Fivestar Contractors program is designed to meet the insurance needs of today’s contractors. It includes coverages for your property, income protection and liability needs. The coverage can also be tailored to meet your specific needs with a wide range of optional endorsements.FIVESTAR CONTRACTORS COVERAGEPROPERTY COVERAGEBUILDING, BUSINESS PERSONAL PROPERTY AND PERSONAL PROPERTY OF OTHERSERIE’s broad building definition, in addition to covering your buildings, includes permanent attachments to the buildings, building equipment and fixtures servicing the premises, personal property you have for the service and maintenance of the building, and building glass and glass wall cabinets including lettering, ornamentation and burglar alarm foil.Your business personal property and personal property of others will be protected by this policy as long as it is located in or on your premises or within 1,500 feet of your building.Additional property protection is provided in the additional and supplemental coverages as well.

• Coverage is provided on a replacement cost basis, which eliminates any deduction for depreciation should a loss occur. Coverage is provided on a comprehensive basis, which provides coverage against all causes of loss, including theft, except those specifically excluded in the policy.
• You will not be penalized for non-compliance with the standard coinsurance clause because this policy does not contain one. However, for your protection, it’s important to insure to value.

INCOME PROTECTIONBecause the income derived from your business is of vital importance to you, income protection coverage has been included in your policy. This important coverage benefits you in the following ways:

• It guarantees your income to continue up to the limits shown on the declarations while your business is suspended if damage to your property interferes with normal operations. During the critical seven-day period after a loss, ERIE will advance up to $100 per day while you determine your actual loss. ERIE will reimburse you for extra expense incurred to continue nearly normal operations.
• Actual loss of income for an additional 30 days, if your income after you resume operations is less than it was before your loss.

MECHANICAL & ELECTRICAL BREAKDOWNCoverage is provided for your boilers, pressure vessels, refrigeration systems, piping, and mechanical and electrical machines or apparatus used for the generation, transmission or utilization of mechanical or electrical power caused by mechanical or electrical breakdown.ADDITIONAL PROPERTY PROTECTION

• Fences, Walks and Unattached Outbuildings – Up to $15,000 Trees, Shrubs, Lawns and Plants – Up to $2,000 for any one loss Merchandise in Shipment Refrigerated Item
• Moving

SUPPLEMENTAL PROPERTY PROTECTIONYour ERIE policy is a comprehensive protection package. It includes all of the following important coverages as additional amounts of coverage.

• Exterior Sign, Light and Clocks – Up to $5,000 Peak Season – Increases coverage for Business Personal Property 25% during a peak season Temporarily Off Premises – Up to $15,000 Debris Removal – Up to 5% of the total coverage amounts for your buildings and business personal property, plus $5,000 for clean-up after a loss. Pollutants Clean-Up and Removal – Up to $10,000 Demolition Cost – Up to $15,000 Newly Acquired Property – Up to $500,000 for Buildings, up to $250,000 for Business Personal Property and up to $250,000 for Loss of Income Fire Department Service Charges – Pays the fire department service charge incurred as a result of an insured loss. Non-owned Detached Trailers – Up to $5,000 Accounts Receivable – Up to $5,000 Valuable Papers and Records –Up to $5,000
• Plus many more additional property coverages

LIABILITY COVERAGEIncluded in this coverage part are the following liability coverages:

• Bodily Injury and Property Damage Personal and Advertising Injury including libel, slander, false arrest, defamation of character, malicious prosecution, and invasion of privacy. Products and Completed Operations Coverage Host Liquor Liability Coverage Medical Payments Coverage Fire Legal Liability Coverage Blanket Contractual Liability Coverage Independent Contractors Coverage Elevator Liability Coverage Non-owned and Hired Automobile Coverage
• And more

OPTIONAL PROTECTION FEATURESFivestar Contractors coverage can be endorsed to increase your protection or tailor the policy to meet your specific needs. Some optional coverages available are:

• Fivestar Contractors Enhancements Endorsement Builders Risk Installation Floater Contractors Equipment Coverage Contractors Tool Coverage Electronic Data Processing Equipment Coverage Employee Dishonesty Mine Subsidence Coverage Voluntary Property Damage Liability Coverage
• And more

THE PROMISE OF SERVICEThe quality of service provided to each Policyholder is our prime concern, as is evidenced in our motto: “ERIC is Above all in Service.” The Promise of Service is a promise we’re prepared to keep. That’s why we use our own trained adjusters, whenever possible, ensuring that your claim will be settled quickly and fairly. It’s also why we offer claims services, including, but not limited to, the following:

• Contact standards ensuring Policyholders are promptly contacted following a report of loss, often that same day. After-hours service allowing you to report losses after normal business hours, on weekends and on holidays, toll free at 1-800-367-3743. Emergency claims representatives are available to speak with you 24 hours a day, 365 days a year. Language translation service providing an interpreter on the line, when necessary, to communicate with Policyholders in their own language.
• Emergency response teams that are prepared to react to catastrophic or emergency loss situations.

It is because of this very commitment to the promise of service that The ERIE continually receives distinguished marks for service from independent consumer organizations. And it is what has earned ERIE its long-standing reputation for providing fast, fair and courteous claims service.FOR MORE INFORMATIONFor more information about the excellent coverages available in the Fivestar Contractors program, and to obtain a premium quotation, see your local ERIE Agent.This brochure is not an insurance policy. It is only intended to provide a general description of ERIE’s Fivestar Contractors coverage. The policy contains the specific details of the coverages, conditions and exclusions.The ERIE takes pride in its tradition of financial stability and excellent service offered to its Policyholders. Your ERIE Agent can answer any questions and provide you with information about ERIE’s superior protection for your home, auto, and boat. In addition, your ERIE Agent offers a full lien of life insurance protection products from Erie Family Life Insurance Company. For more information, as your ERIC Agent.

NOTE: Not all products are sold in each state.

Pioneer Commercial AutoERIEplaceable Business InsuranceThe Pioneer Commercial Auto Insurance Program has been designed to meet the specific needs of many business operations. This coverage can be written in conjunction with many of The ERIE’s business property coverages which will provide you with a complete protection package for your business.PIONEER COMMERCIAL AUTO INSURANCE PROGRAMThe Pioneer Commercial Auto Insurance Program has been designed to meet the specific needs of many business operations. This coverage can be written in conjunction with many of The ERIE’s business property coverages which will provide you with a complete protection package for your business.The Pioneer Commercial Auto Insurance Program may provide coverage for a variety of autos.OWNED AUTOSProvides protection for claims arising out of ownership, maintenance or use of owned autos and certain non-owned autos.HIRED AUTOSLiability may be covered when using an auto which you or your employee hire, rent or borrow for your business.NON-OWNED AUTOSCoverage may be provided for your liability arising out of the use of autos owned by your partners, employees or members of their households. Coverage applies only when the autos are used for your business or personal affairs.TEMPORARY SUBSTITUTE AUTOSCoverage is available for non-owned autos used temporarily while your owned autos are disabled.NEWLY ACQUIRED AUTOSAutos which are acquired during the policy period to replace one of your autos or as an additional auto are covered.LIGHT TRAILERSTrailers designed for highway use that have a gross vehicle weight (GVW) of 3,500 pounds or less (that are pulled by either a truck or a private passenger auto) are covered.XTRA PROTECTION
ERIE’s Pioneer Commercial Auto Insurance Program also includes many extra protection features that are available at no additional cost:

• Physical damage coverages you buy apply to private passenger autos not owned by or furnished for regular use by you, your partner or executive officer (and their spouses) while driven by any of these people. Loss of earnings up to $500 per day should you be required to assist The ERIE in the investigation or defense of a claim. Lawyers’ fees up to $50 if you are arrested as a result of an accident. Bail bond up to $2,500 required because of an accident or traffic violation involving an auto we insure. Coverage for all expenses necessary to return your stolen auto (if comprehensive coverage is purchased). Transportation expenses up to $20 per day not to exceed $900 (45 days) for the period of time your auto is not available for use as a result of a comprehensive loss. (Higher limits are available). Reimbursement of additional expenses up to $75 per person if your trip is interrupted by a comprehensive or collision loss (if comprehensive or collision coverage is purchased on the vehicle.) In New York state, loss must occur at least 50 miles away from where the auto is garaged. All expenses necessary to replace a deployed air bag.
• Sound equipment up to $1,000 when permanently installed in other than the dash or console.

ADDITIONAL PROTECTIONReimbursement for coverage in Mexico and other foreign countries (Not applicable in NY)When you visit a foreign country where your auto insurance coverage does not apply and you buy insurance of a similar type for an owed private passenger auto used by you or a relative, you will be reimbursed for up to 30 days of premium. This coverage is not available if you are employed, stationed in the armed services, or attending school in a foreign country.OPTIONAL COVERAGESERIE’s Commercial Auto Insurance Program can give you a complete package of coverages to further tailor the policy to meet your protection needs. Many optional coverages may be added for a reasonable additional charge.

• Transportation expenses (collision) – covers transportation expenses, up to the limits purchased, should your auto become disabled due to a collision loss. Transportation expenses (comprehensive) – provides higher limits for transportation expenses should your auto become disabled due to a comprehensive loss. Road service – covers reasonable (unlimited) towing and labor costs for a disabled auto or light truck (under 10,000 lbs GVW). Loss of use (income protection) – covers loss of income resulting from a business interruption loss caused by a comprehensive or collision loss to your vehicle. Auto death, specific injury and total disability income benefits – provides these coverages to a named person or persons if that person dies or becomes disabled as a result of an automobile accident. (Total disability income benefits is not available in DC, NY or PA.) Physical damage insurance for hired, rented and borrowed autos – affords comprehensive and/or collision coverages to hired or borrowed autos used in your business.
• Trailer interchange agreement – provides coverage for your legal liability assumed under a Trailer Interchange Agreement.

THE ERIE’S PROMISE OF SERVICEThe quality of service provided to each Policyholder is our prime concern, as is evidenced by our motto: “The ERIE is Above All in Service.” We realize that each policy sold is a promise of service; a promise we’re prepared to keep. That’s why we use our own trained adjusters, whenever possible, ensuring that your claim will be settled quickly and fairly. It’s also why we offer claims services including, but not limited to, the following:

• Contact standards, ensuring Policyholders are promptly contacted after the report of loss, in most cases, that same day. After-hours service, allowing you to report losses after normal business hours, on weekends and on holidays, toll free at 1-800-367-3743. Emergency claims representatives are available to speak with you 24 hours a day, 365 days a year.
• Language translation service, providing an interpreter on the line, when necessary, to communicate with Policyholders in their own language.

It is because of this very commitment to the promise of service that The ERIE continually receives distinguished marks for service from independent consumer organizations. And it is what has earned ERIE its long-standing reputation for providing fast, fair and courteous claims service.EQUAL PROFESSIONAL SERVICEERIE embraces the principle of “equal professional service,” which means that every applicant, Policyholder and claimant receives the high caliber service that is our hallmark. The ERIE does not tolerate unlawful discrimination, and we expect our Agents to adhere strictly to that nondiscriminatory philosophy as well. The ERIE assesses each risk on its own merits and relies on objective underwriting criteria designed to evaluate the nature and extent of each risk.HAINES INSURANCE AGENCY
203 WEST MAIN STREET
P. O. BOX 636
RISING SUN, MD 21911
410-658-6330/800-554-2463
FAX 410-658-6369