Commercial Lines
Western National has been a securely grounded business insurer for
nearly a century. Our knowledge and experience enable us to tailor a
policy to your business needs. We are committed to answering the many
and varied questions that face employers in todays' fast-paced society.
Commercial Coverages
Commercial Automobile
Commercial Package Policy (CPP)
Fire and Allied Lines
General Liability
Inland Marine
MainStreetXpress
Umbrella
Workers' Compensation
Commercial Automobile
Western National insures commercial vehicles in conjunction with
other business insurance for an employer. The typical coverages standard
to the Business Auto Policy consist of the following:
- 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
Commercial Package Policy (CPP)
The CPP policy is a valuable and cost effective way to combine many differing lines of business into one Package. The fire policy, crime, inland marine, and
general liability coverages are eligible for the package.
Fire and Allied Lines
Western National provides the many types of insurance necessary to
protect employers' businesses 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 damage, and the financial damage, stemming from an insured equipment failure. It's the bottom-line protection essential for today's technology intensive world. Western National's Property 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
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.
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
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.)
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 the primary underlying coverages.
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
o Flat
o Variable
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