Automobile Insurance This refers to any type of insurance pertaining to the ownership, maintenance, or use of automobiles. There are several coverages typically included in church related automobile policies including:
Auto liability – which provides protection from loss incurred through legal liability for bodily injury and damage to property of others, caused by accidents arising out of ownership, maintenance, or use of an auto by the Insured. Auto medical payments – coverage pays the medical expenses of the policyholder and any of the passengers injured by the Insured’s auto, without regard for fault.
Uninsured motorist -pays all sums the "insured" is legally entitled to recover as compenstory damages from the owner or driver of an "uninsured motor vehicle."
Auto physical damage – protection for material damage insurance, which covers loss or damage to the Insured’s auto.
Auto insurance is used by church entities throughout the U.S. In addition to the cars that are covered for conferences and churches, it also provides coverage for numerous buses as well as trucks. The church auto policies also include coverage hired and non-owned vehicles.
Aircraft Liability - This coverage will pay claims that the Insured becomes legally obligated to pay for bodily injury, mental anguish, and damage to someone else's property resulting from the ownership, maintenance, or use of the aircraft.
Medical Payments - This coverage will pay reasonable medical expenses that passengers, pilots, and crew members incur within one year from the date of an accident, regardless of fault.
Hull (Physical Damage) - Coverage is provided against risk of physical loss or damage to the Insured’s aircraft both while it is on the ground and while it is in flight.
Airport Liability - This insurance will pay those sums that the Insured becomes legally obligated to pay as damages because of bodily injury or property damage to others as a result of the Insured's negligence. Coverage includes products/completed operations and personal and advertising injury.
Hangarkeeper's Liability Coverage - This insurance will pay those sums the Insured becomes legally obligated to pay because of loss or damage to an aircraft which is someone else's property and is in the Insured’s care, custody or control for storage, repair, servicing or safekeeping but only while the aircraft is not in flight. An in-flight extension is available for an additional premium subject to review by the company.
Medical Payments - This coverage will pay reasonable medical expenses reported within one year of the date of the accident. The company will make these payments regardless of fault.
Inland Marine A church on the move has special needs for the protection of the property that accompanies its workers. This coverage relates to the insurance of property that is being transported or is of a nature that it may easily be transported (fine arts, equipment floater, motor truck cargo).
Inland marine also includes some risks at fixed locations. They are considered instruments of transportation or communication, which were accepted by custom.
Ocean Marine Coverage for shipment made by or on behalf of the Insured either by land, air, or ocean. Coverage is for direct physical loss or damage. Example: shipment of personal goods belonging to missionary families.
Short Term International Automobile Liability Coverage is provided for owned, non-owned, and hired automobiles. This coverage is excess over any other valid and collectible insurance and excluded in the territories of U.S., Canada, Puerto Rico, and state department restricted countries.
The policy pays for sums that an insured becomes legally obligated to pay for bodily injury and damage to the property of others, caused by accidents arising out of ownership, maintenance, or use of automobile.
Excess Automobile Applications are available upon request.
