The Ultra-Gard extension includes the following special coverage which can be added to your Automobile or Commercial Package Policy.
Broad Form Insured
- Newly Acquired Organization: Extends definition of an insured to include newly formed or acquired organizations for 60 days, or until the end of the policy period, whichever is sooner.
- Employees as Insureds: Coverage is also extended to insure your employees for liability coverage while using any covered auto not owned, hired or borrowed by the named insured.
Supplementary Payments
We will pay up to $2,000 for the cost of bail bonds as well as all reasonable expenses you incur at our request, including actual loss of earnings up to $500 a day because of time off from work.
Physical Damage - Coverage Extension for Transportation Expense
We will pay transportation expenses of $50 per day to a maximum of 60 days. Coverage applies only when a covered private passenger auto has been stolen and starts 24 hours after the theft.
Hired Auto - Coverage Territory
For short-term (30 days or less) hired autos, the coverage territory is broadened to anywhere in the world, provided that the suit is brought in the United States.
Fellow Employee Exclusion
The exclusion for injuries to a fellow employee no longer applies if the bodily injury results from the use of a covered auto.
Glass Repair - Waiver of Deductible
We will waive your deductible if damaged glass is repaired instead of replaced.
Sound Receiving and Reproducing Equipment - Broadened Coverage
If you have purchased physical damage coverage, sound receiving and reproducing equipment you permanently installed in a covered auto is automatically covered.
Cancellation Provision
For other than non-payment of premium, advance notice of cancellation is amended to 60 days. In states with broader cancellation provisions, state law prevails.