Auto and Truck Fleet Protection without compromise protects you, your business and your drivers. A WIP® Fleet Policy covers all the standard items you have come to expect and some coverages and limits that may pleasantly surprise you... WIP® has you covered.
In addition to providing what has become standard coverage, the WIP® has been expanded to automatically include coverages not commonly available. These enhancements do a better job of protecting your vehicles and a better job protecting your business.
What is Covered: Damage to your vehicles, your liability from the use of your vehicles or, in no-fault states, your responsibilities as owner of a licensed highway vehicle.
Newly Acquired Businesses or Fleets: In addition to protecting your company’s operations, the WIP® also covers newly acquired businesses when they own vehicles which are not insured. Protection continues for 180 days.
Employees as Additional Insureds: Many policies cover your business, its owners, officers or partners. Most operators are not officers or owners. Most policies do not protect that employee who is named individually in a suit along with the company. The WIP® does.
Worldwide Coverage: Regardless of the country in which you or your drivers are using a short-term hired vehicle, your company is protected for liability and physical damage so long as the suit for damage is brought in the United States.
Failure to Report an Accident: Employees occasionally neglect to tell their company about an accident. That voids most insurance. With the WIP®, the requirement to report an accident applies only when an officer or the owner of the company learns of the accident.
If You Forget: Through action or inaction, people sometimes unintentionally fail to tell us about all of their operations and exposures when they apply for coverage. Your coverage will not be denied because of this unintentional failure.
Mental Anguish: Most auto policies cover physical injuries and their cost but neglect mental anguish. The WIP® includes coverage for mental anguish arising out of physical injury.
