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Coverages
The information provided on this page is for general informational purposes only and is not intended to modify or replace the terms, conditions, exclusions, or limitations of any insurance policy. Coverage availability and policy terms may vary by state, carrier, and individual circumstances.
Please review your policy documents or contact HITECH INSURANCE for complete coverage details.
A.Liability Coverage: Liability coverage helps pay for injuries or property damage if you are responsible for an accident. It can also help cover legal expenses if a claim is made against you.
B.Collision Coverage: Collision coverage helps pay to repair or replace your vehicle if it is damaged in an accident, regardless of who is at fault.
C.Comprehensive Coverage: Comprehensive coverage helps protect your vehicle from damage caused by events other than a collision, including theft, fire, vandalism, hail, or falling objects.
D.Uninsured/Underinsured Motorist Coverage: If you're involved in an accident with a driver who has little or no insurance, this coverage helps pay for your injuries and vehicle damage, depending on your policy.
E.Medical Payments (MedPay): Medical Payments coverage helps pay for medical expenses for you and your passengers after a covered accident, no matter who caused it.
F.Personal Injury Protection (PIP): PIP helps cover medical expenses and may also help with lost wages and other related costs after an accident where available.
G.Roadside Assistance: Roadside Assistance provides help when your vehicle breaks down. Services may include towing, battery jump-starts, flat tire changes, fuel delivery, and lockout assistance.
H.Rental Reimbursement: Rental Reimbursement helps pay for a rental vehicle while your covered car is being repaired after a covered claim.
A.Dwelling Coverage: Dwelling coverage helps protect the structure of your home from covered losses such as fire, wind, hail, and other covered events.
B.Personal Property Coverage: This coverage helps repair or replace your personal belongings if they are damaged, destroyed, or stolen due to a covered loss.
C.Personal Liability Coverage: Personal Liability coverage helps protect you if someone is injured on your property or if you accidentally cause damage to another person's property.
D.Guest Medical Coverage: Guest Medical coverage helps pay for medical expenses if a guest is injured at your home, regardless of who is at fault.
E.Additional Living Expenses: If a covered loss makes your home temporarily unlivable, this coverage helps pay for temporary housing and other eligible living expenses.
F.Wind & Hail Coverage: This coverage helps pay for damage caused by windstorms, hail, and other covered weather events.
G.Flood Coverage: Flood damage is not typically covered under a standard homeowners policy. Flood coverage can be added to help protect your home and belongings.
H.Umbrella Liability Coverage: Umbrella coverage provides additional liability protection when the limits of your home or auto insurance have been reached.
A.General Liability: General Liability coverage helps protect your business from claims involving bodily injury, property damage, and legal expenses.
B.Commercial Property: This coverage helps protect your building, equipment, inventory, and other business property from covered losses.
C.Business Auto: Business Auto coverage helps protect vehicles used for business purposes from accidents, damage, and liability claims.
D.Workers' Compensation: Workers' Compensation helps cover medical expenses and lost wages for employees who are injured while performing their job.
E.Professional Liability: Professional Liability coverage helps protect your business against claims related to professional mistakes, errors, or negligence.
F.Cyber Liability: Cyber Liability coverage helps protect your business from financial losses related to cyberattacks, data breaches, and other cyber incidents.
G.Commercial Umbrella: Commercial Umbrella coverage provides additional liability protection beyond the limits of your existing business insurance policies.
H.Business Owners Policy (BOP): A Business Owners Policy combines key business coverages, including General Liability and Commercial Property, into one convenient policy.
A.Primary Liability: Primary Liability coverage helps protect you if you are responsible for injuries or property damage while operating your truck.
B.Physical Damage: Physical Damage coverage helps pay to repair or replace your truck if it is damaged by a covered accident or other covered event.
C.Motor Truck Cargo: Motor Truck Cargo coverage helps protect the freight you are transporting from covered loss or damage during transit.
D.General Liability: General Liability coverage helps protect your trucking business from claims that are not related to operating the truck on the road.
E.Non-Trucking Liability: Non-Trucking Liability provides coverage when your truck is being used for personal purposes and not under dispatch.
F.Trailer Interchange: Trailer Interchange coverage helps protect a trailer that you do not own while it is in your possession under a trailer interchange agreement.
G.Occupational Accident: Occupational Accident coverage helps provide benefits for owner-operators and independent drivers who are injured while working.
H.Workers' Compensation: Workers' Compensation helps provide medical and wage benefits to employees who are injured on the job while meeting state requirements.
If you have any questions about the coverage options described on this page or need help selecting the right policy, please contact HITECH INSURANCE. Our team is available to answer your questions, explain your options, and help you find coverage that fits your needs.
To request a quote or speak with one of our insurance specialists, please visit our Contact Us page or call us during our business hours.