Program Highlights
Our policy form is broader and includes more coverage than those
of our competitors. For example, here are some highlights:
- Defense costs are in addition to the limit of liability.
- A broader definition of who is an insured under the policy.
- Domestic partner coverage included.
- Automatic coverage for 30 days on a first dollar basis for non-owned
autos, watercraft & recreational vehicles. Also, newly-owned
autos, watercraft & recreational vehicles are automatically
covered on the same basis.
- Higher cut-off for automatic coverage for Home-Based businesses
- Up to $25K in gross annual receipts versus $10K for our
competitors
- $1M of Uninsured/Underinsured Motorists Coverage standard.
- Youthful drivers covered at no additional charge.
- Automatic Directors & Officers (D&O) coverage for insureds
serving on non-profit boards.
- Second homes are covered at no additional charge.
- Domestic servants are covered – excess of $100K Employers
Liability at no charge.
- Dropdown 1st Dollar Coverage for an automobile, recreational
vehicle or watercraft you hire for less than 30 days.
- And, unlike our competition – we offer coverage limits
of $1M, $2M, $3M, $4M, and $5M and we offer ALL of these options
to ALL ABA members at the SAME base rate.
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