Non-Automobile Cargo/On Hook – is defined as a type of liability insurance that covers damage that may occur to an item while they are being hauled. If a piece of equipment or small shed is being hauled by one of the scheduled vehicles and it gets damaged, on-hook coverage pays for repairs or replacement up to the policy limits.

Pollution Liability – protects against liability from damage caused by hazardous waste materials that may leak from a scheduled vehicle that is in covered loss.  Pollution Liability can also be purchase to protect against liability from damage caused by hazardous waste materials that the insured is cleaning up or transporting.

 

Drive Other Car – is available for employees or executives of a company or any other person who is in charge of a company vehicle, but who does not own a personal vehicle or have personal automobile insurance. It gives protection to the scheduled individual while driving a car borrowed from a third party.

Rental Reimbursement – is the costs associated with renting a vehicle to temporarily replace one that has been destroyed or severely damaged.  The included limits may need to be increased to meet the higher costs of renting larger units.

Umbrella Liability – is a policy designed to provide protection against catastrophic losses.  It generally is written over various primary liability policies, such as the business auto policy, commercial general liability policy, garage liability policy and employers liability coverage.

Dealers Physical Damage – provides physical damage coverage for vehicles owned and held for sale by the named insured.

Garage Keepers (Direct Primary Limit or Legal Liability Limit) – Garage Keepers Legal Liability is intended to cover damage to a non-owned auto held in the care, custody, or control by the named insured but only when legally liable.  Direct Primary responds regardless of fault.

Workers Compensation – offers employees and uninsured subcontractors compensation for injuries or disabilities sustained as a result of their employment.

​

We Help You Keep Your Business Safe

 

Towers' needs can be complex so it is important to have an agency with the carriers that can provide affordable and comprehensive coverage options.  For example, many towers have garages (body shop and general repair) accompanied by automobile dealerships.  

 

Towers are constantly on the move:

 

• Auto Liability

• Vehicles that are on-hook/in transit

• Equipment and cargo in transit

• Loss of use coverage in the event a prime vehicle is disabled due to at fault or not at fault loss

• Collision and comprehensive coverage 

• Tools and recovery equipment stored on their vehicles while in transit

• Exposure to pollution liability for autos hauled in transit and on-site clean-up work

 

They have locations with buildings, storage lots and equipment:

 

• Garage-keepers (primary or legal liability) for vehicles in their care, custody, and control at their storage lot or holding area

• Cargo for equipment (other than auto) that are in transit

• Premises Liability

• All Perils damage to their business property

• Business interruption when buildings are damaged and there are losses of revenues

• Cyber liability (first and third party)

• Crime (employee dishonesty as well as theft of securities, cash, etc.)

 

Employees and customers are subject to physical and emotional injury:

 

• Management liability

• Medical Payments

• Workers' Compensation