The Ultra-Gard extension includes the following special coverages which can be added to your Automobile or Commercial Package Policy. Below is a very brief description of the enhancement endorsement. It is not intended to provide all the specific language of the policy itself. Please read your complete policy for full details.
Broad Form Insured
- Newly Acquired Organization: Extends definition of an "insured" to include newly formed or acquired organizations subject to policy limitations for 120 days, or to the end of the policy period, whichever is sooner, for Liability Coverage.
- Employees as Insureds: Liability coverage is extended to make your employees insureds while using a covered auto you do not own, hire or borrow in your business or your personal affairs.
Supplementary Payments - Bail Bonds
We will pay up to $3,000 for the cost of bail bonds required because of an accident we cover. We also cover all reasonable expenses you incur at our request, including loss of earnings up to $500 a day because of time off from work.
Physical Damage - Temporary Transportation Expense
We will pay transportation expenses of $50 per day to a maximum of 60 days in the event of the total theft of a covered private passenger auto that also carries Comprehensive or specified Causes of Loss Coverage. Coverage begins 24 hours after the theft.
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 you own or hire that is not a bus, motorcycle or van used to transport employees. Coverage is excess over any other collectible insurance.
Glass Repair - Waiver of Deductible
We will waive your deductible if damaged glass is repaired, instead of replaced.
Tapes, Records and Discs Coverage
Your policy will be amended to include coverage up to $200 for these items or other similiar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment. We will pay only if these items belong to you or your family member and are in a covered auto at the time of loss. No deductible applies to this coverage.
Hired Auto Physical Damage
- Private Passenger Auto: Your policy will provide Comprehensive and Collision coverage for private passenger autos hired or borrowed from others (except from employees, partners or members of the households) for up to 30 days subject to a maximum limit of $15,000 minus a deductible of $500.
- Other than Private Passenger Auto: Your policy will also provide physical damage coverages for other than private passenger autos that you lease, rent or borrow for 30 days or less, up to $35,000, subject to the type of coverage and deductibles provided for similar covered vehicles on the policy.
Towing Coverage
This coverage is provided for covered autos for up to $500 per disablement, subject to a $100 deductible for other than private passenger autos.
Rental Reimbursement
Reimbursement for rental costs incurred because of a loss will be provided at $25 per day or $750 for any one 30-day period for covered autos with physical damage coverage provided.
Plus
The following enhancements not provided by Ultra-Gard are included to complete your Business Auto Policy:
- Employee Hired Autos: Expands the policy's definition of "insured" to provide coverage for employees who rent vehicles in their own names while performing duties related to your insured business.
- Loss of Use: Provides coverage for an insured's legal obligation for expenses resulting from the loss of use of a rental vehicle hired or rented by the insured, subject to limits of $15 per day, to a maximum of $450.
- Worldwide coverage for Private Passenger Type Vehicles: Provides worldwide coverage for a covered auto of the private passenger type when leased, hired, rented or borrowed without a driver for a period of 30 days or less. The insured's responsibility to pay damages is determined in a suit on the merits, in the U.S., territories and possessions, Puerto Rico or Canada or in a settlement to which the insured agrees.