Business Insurance - Commercial Auto

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PIONEER COMMERCIAL AUTO INSURANCE PROGRAM

The Pioneer Commercial Auto Insurance Program has been designed to meet the specific needs of many business operations. This coverage can be written in conjunction with many of The ERIE's business property coverages which will provide you with a complete protection package for your business. The Pioneer Commercial Auto Insurance Program may provide coverage for a variety of autos.

OWNED AUTOS

Provides protection for claims arising out of ownership, maintenance or use of owned autos and certain non-owned autos.

HIRED AUTOS

Liability may be covered when using an auto which you or your employee hire, rent or borrow for your business.

NON-OWNED AUTOS

Coverage may be provided for your liability arising out of the use of autos owned by your partners, employees or members of their households. Coverage applies only when the autos are used for your business or personal affairs.

TEMPORARY SUBSTITUTE AUTOS

Coverage is available for non-owned autos used temporarily while your owned autos are disabled.

NEWLY ACQUIRED AUTOS

Autos which are acquired during the policy period to replace one of your autos or as an additional auto are covered.

LIGHT TRAILERS

Trailers designed for highway use that have a gross vehicle weight (GVW) of 3,500 pounds or less (that are pulled by either a truck or a private passenger auto) are covered.

XTRA PROTECTION

ERIE's Pioneer Commercial Auto Insurance Program also includes many extra protection features that are available at no additional cost:

• Physical damage coverages you buy apply to private passenger autos not owned by or furnished for regular use by you, your partner or executive officer (and their spouses) while driven by any of these people.
• Loss of earnings up to $500 per day should you be required to assist The ERIE in the investigation or defense of a claim,
• Lawyers' fees up to $50 if you are arrested as a result of an accident.
• Bail bond up to $2,500 required because of an accident or traffic violation involving an auto we insure.
• Coverage for all expenses necessary to return your stolen auto (if comprehensive coverage is purchased).
• Transportation expenses up to $20 per day not to exceed $900 (45 days) for the period of time your auto is not available for use as a result of a comprehensive loss. (Higher limits are available.)
• Reimbursement of additional expenses up to $75 per person if your trip is interrupted by a comprehensive or collision loss (if comprehensive or collision coverage is purchased on the vehicle.) In New York state, loss must occur at least 50 miles away from where the auto is garaged.
• All expenses necessary to replace a deployed air bag.
• Sound equipment up to $1,000 when permanently installed in other than the dash or console.

ADDITIONAL PROTECTION

Reimbursement for coverage in Mexico and other foreign countries (Not applicable in NY)

When you visit a foreign country where your auto insurance coverage does not apply and you buy insurance of a simi.lar type for an owned private passenger auto used by you or a relative, you will be reimbursed for up to 30 days of premium. This coverage is not available if you are employed, stationed in the armed services, or attending school in a foreign country.

OPTIONAL COVERAGES

ERIE's Commercial Auto Insurance Program can give you a complete package of coverages to further tailor the policy to meet your protection needs. Many optional coverages may be added for a reasonable additional charge.

• Transportation expenses (collision)-covers transportation expenses, up to the limits purchased, should your auto become disabled due to a collision loss.
• Transportation expenses (comprehensive)­ provides higher limits for transportation expenses should your auto become disabled due to a comprehensive loss.
• Road service-Covers reasonable (unlimited) towing and labor costs for a disabled auto or light truck (under 10,000 Ibs. GVW).
• Loss of use (income protection)-covers loss of income resulting from a business interruption loss caused by a comprehensive or collision loss to your vehicle.
• Auto death, specific injury and total disability income benefits-provides these coverages to a named person or persons if that person dies or becomes disabled as a result of an automobile accident. (Total disability income benefits is not available in DC, NY or PA)
• Physical damage insurance for hired, rented and borrowed autos-affords comprehensive and/or collision coverages to hired or borrowed autos used in your business.
• Trailer interchange agreement-provides coverage for your legal liability assumed under a Trailer Interchange Agreement.

THE ERIE's PROMISE OF SERVICE

The quality of service provided to each Policyholder is our prime concern, as is evidenced in our motto: "The ERIE is Above All in Service" We realize that each policy sold is a promise of service; a promise we're prepared to keep. That's why we use our own trained adjusters, whenever possible, ensuring that your claim will be settled quickly and fairly. It's also why we offer claims services including, but not limited to, the following:

• contact standards, ensuring Policyholders are promptly contacted after the report of loss, in most cases, that same day.
• after-hours service, allowing you to report losses after normal business hours, on weekends and on holidays, toll free at 1-800-367-3743. Emergency claims representatives are available to speak with you 24 hours a day, 365 days a year.
• language translation service, providing an interpreter on the line, when necessary, to communicate with Policyholders in their own language.

It is because of this very commitment to the promise of service that The ERIE continually receives distinguished marks for service from independent consumer organizations. And it is what has earned ERIE its long-standing reputation for providing fast, fair and courteous claims service.