|
Business Insurance
Western National has been providing high quality insurance coverage to businesses for over 100 years. As a financially stable insurer with a commercial staff averaging 20+ years of industry experience, we are well-equiped to tailor a program to fit your company's unique insurance needs.
With a variety of benefits, including access to our expert Loss Control staff and our library of safety and compliance resources, we’re confident that Western National provides your company with a combination of coverage, price, and service that amounts to industry-best business protection.
Your Independent Insurance Agent can help you determine which of the following coverages are right for your business. To find an agent, click here.
Coverages
Commercial Automobile
Western National insures commercial vehicles in conjunction with other commercial policies. Standard coverages for Commercial Auto include:
- Combined single limit insurance for Bodily Injury and Property Damage
- Personal Injury Protection (PIP) or Medical
- Uninsured and Underinsured Motorist
- Comprehensive
- Collision
- Other miscellaneous coverages are also available
Back to Top
Commercial Package Policy (CPP)
The CPP policy is a valuable and cost effective way to combine many different lines of business into one Package. The Fire and Allied Lines, Crime, Inland Marine, and General Liability coverages are eligible for the package.
Back to Top
Employment Practices Liability
Western National now offers Employment Practices Liability (EPL) coverage for eligible commercial policies, making it easier and affordable for employers to protect themselves against these increasingly prevalent claims. This EPL program protects employers against claims of discrimination, sexual harassment, wrongful termination, and other unlawful employment practices.
To view Western National's EPL resource website, click here.
Back to Top
Fire and Allied Lines
Western National provides the many types of insurance necessary to protect your business from the perils of fire, theft, wind, loss of income, etc. Coverage for building, building personal property, and personal property of others is standard under the policy. In addition, Western National has a Property Enhancement Endorsement that expands many of the coverages available under the basic property form. The coverages subject to expanded limits are the following:
- Accounts receivable
- Back-up of sewers
- Changes in temperature or humidity
- Distance from described premises
- EDP (computer)
- Extra expense
- Fire extinguisher recharge
- Inventory and appraisals of loss
- Lock replacement
- Newly acquired or constructed property
- Ordinance or law
- Off premises power failure
- Outdoor property
- Personal effects
- Property off premises (includes exhibition)
- Property in the custody of salespersons
- Property of others
- Property in transit
- Reward reimbursement
- Signs (attached and unattached)
- Utility services (off-premises power failure)
- Valuable papers
Western National also includes Equipment Breakdown insurance as part of our property policy, which helps our insureds avoid potentially disastrous coverage gaps. Equipment Breakdown insurance covers the physical and financial damage stemming from an insured equipment failure. It's the bottom-line protection essential for today's technology-intensive world. Western National's policy pays for losses that aren't typically covered by standard property policies. Our insurance includes:
- Mechanical breakdown
- Electrical arcing
- Steam boiler, piping, engine or turbine explosion
- Steam boiler loss or damage
- Hot water heater loss or damage
Back to Top
General Liability
Western National uses the ISO General Liability policy. The policy offers coverage for the following:
- Bodily Injury
- Property Damage
- Personal Injury
- Advertising Liability
- Fire Legal Liability
- Medical Expense
In addition, Western National has available a "Voluntary Property Damage" endorsement with limits of $5,000 each occurrence and $25,000 aggregate with a $250 deductible.
Back to Top
Inland Marine
Western National provides most of the typical Inland Marine coverages. Listed below are some of the more common ones:
- Accounts Receivable
- Bailees' Coverage
- Builders' Risk
- Cargo
- Contractor's Equipment
- EDP (computer)
- Installation Floater
- Signs
- Transportation Floater
- Valuable Papers
Back to Top
MainStreetXpress
Western National's newest product offering has been carefully designed to meet the modern insurance needs of a small business. MainStreetXpress is now available to Retail, Service and Office operations that meet certain underwriting criteria. Find out if your business qualifies by selecting the appropriate brochure below. (Western National can also provide coverage for Inland Marine, Workers' Compensation, Commercial Auto, and Umbrella.)
Back to Top
Umbrella
Western National writes Umbrella policies in conjunction with other commercial insurance. This policy adds higher limits of liability beyond General Liability, Commercial Auto, and Employers' Liability. One of the requirements of the Commercial Umbrella program is that Western National insures your primary underlying coverages.
Back to Top
Workers' Compensation
The Workers' Compensation policy pays for medical expenses and lost wages in amounts determined by state law. All employers are required to either purchase workers' compensation insurance or be self-insured. Employers can work with loss control representatives and claim administrators at Western National to monitor and manage their claims. Western National offers the following workers' compensation programs:
- Guaranteed cost
- Deductible programs
-
Dividend programs
Back to Top
Questions? Ask us by phone or email. |
