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What is covered by an American Family Businessowners Policy?

This policy covers the insured building, outdoor fixtures (e.g., light poles and flag poles), building glass, permanently installed equipment and personal property used for maintaining or servicing the building. Included is coverage for accidents arising from your business operations, if you are legally obligated to pay damages because of covered bodily injury, property damage or personal and advertising injury.

What is Non-Profit Directors and Officers Liability Insurance?

Non-Profit Directors and Officers liability coverage helps protect both the named organization and its insured persons against loss caused by civil claims against the named organization or an insured person because of a wrongful act. Those covered include past and present directors and officers, employees, volunteers, and faculty and committee members acting in their official capacity.

What does American Family’s Business Auto Policy cover?

This policy helps protect you and your business if you are legally responsible for injury to or the death of others, or for damage to their property arising out of the use of a covered vehicle within the scope of permission. Reasonable and necessary costs arising out of the following losses and covered expenses are included: bodily injury, first aid expenses, court costs, damage to other vehicles and other property damage.

This policy also helps cover your liability for injury to others or damage to their property (other than the goods being moved) while moving goods from the place where you accept them for movement into or onto your vehicle, and while being moved from your vehicle to the place where the goods are accepted as delivered.

What does American Family’s Workers Compensation and Employers Liability Coverage policy include?

The Workers Compensation and Employers Liability Coverage policy combines two separate coverages to meet the insurance needs created by workers compensation laws and regulations in each state.

Workers Compensation covers the statutory obligations of an employer. It helps protect your employees from loss of income and provides payment for medical expenses due to a work-related injury or illness. Payment of benefits is determined by individual state laws.

Employers Liability Insurance helps provide protection against suits filed for work-related injuries that are not covered by Workers Compensation.

What does an American Family Commercial Umbrella Policy cover?

A Commercial Liability Umbrella Policy is designed to give you added protection against the financial consequences of major accidents or incidents. It picks up where your underlying business insurance liability coverage ends, providing extra liability coverage over your primary limits.

What does American Family’s Employee Benefits Liability Coverage include?

As a business owner, you want to do what’s in the best interest of your employees. Unfortunately, mistakes can happen. When they do, your employees could be denied the coverage you intended for them. Employee Benefits Liability Coverage from American Family provides coverage for damages in the administration of your employee benefit program from negligent acts, errors and omissions. It can help round out your business insurance coverage and give you the peace of mind you deserve.

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