Services Include:
Commercial
Personal
Farm
Businessowners Insurance
Their Businessowners Insurance program has been designed to fill your unique business insurance needs and provide all the protection you want! Property coverage is provided for your building and contents, and liability coverage is provided for your legal liability exposures unique to your business.
Your business personal property is also covered for the specific limit you choose, whether in your place of business or in transit. In addition, they offer a broad array of optional coverages to fill those "special" needs of most businessowners. The result is a custom-tailored comprehensive insurance plan just for you.
"BOP Select" Businessowners Insurance
For several classes of businessowners, they have added an array of "BOP Select" Businessowners products. These products target certain types of businessowners, and provide special coverage options that fit their unique insurance needs. They offer "BOP Select" insurance products for the following classes of business:
Apartment Building Owners
Appliance Store Owners
Barber/Beauty Shops
Card and Gift Shops
Clothing and Apparel Stores
Funeral Homes
Offices and Office Condos
Optical Goods Stores
Pharmacies
Residential Condo Associations
They have also added several "Wholesale Only" classes to their BOP Select program for wholesale businesses such as:
Beverage Distributors
Electrical Supply Distributors
Radio, TV and Stereo Distributors
Sporting Goods Distributors
Stationery or Paper Products Distributors
Tradesman's Advantage Contractor's Insurance
Their Tradesman's Advantage Contractor's Program caters to artisan contractors as a specialized program designed to address the specific insurance needs of a contracting business. Property coverage is provided for your building and contents, and liability coverage is provided for your legal liability exposures unique to your business.
Your tools and equipment can be covered - whether they are in your shop, in your truck or at the job site. From small hand tools to larger equipment like backhoes - all can be insured in their Contractor's Program. In addition, they offer a broad array of optional coverages to fill those "special" needs of contractors. The result is a custom-tailored comprehensive insurance plan just for you.
Commercial Package Insurance Policy
Their Commercial Package Insurance Policy is designed for those larger businesses or other enterprises that do not fit into one of their specialized programs (such as Businessowners, BOP Select, or Tradesman's programs). This product is designed to be extremely flexible, in that a business owner may pick and choose from a list of monoline insurance coverages to provide the customized protection desired. Property and liability protection may be selected from the following list of monoline insurance coverages:
Commercial Fire and Allied Lines Insurance
Commercial General Liability Insurance
Commercial Inland Marine Insurance
Commercial Crime Insurance
Commercial Boiler and Machinery (Systems Breakdown) Insurance
Commercial Automobile Insurance
An essential coverage required by most businesses is Commercial Automobile Insurance. Their program provides the property damage and liability protection necessary to protect a single vehicle or an entire fleet of vehicles. They offer competitive base rates and are able to adjust these rates for businesses which have demonstrated favorable loss experience.
Commercial Excess Liability (Umbrella) Insurance
Their Commercial Excess Liability (Umbrella) Insurance policy provides an additional layer of liability protection over and above that provided by underlying commercial policies such as Businessowners, Tradesman's Advantage Contractor's, General Liability and Commercial Automobile. This additional liability coverage may be added to protect your business assets against multi-million dollar lawsuits which may develop as a result of catastrophic incidents. Should your business be held legally responsible for such an incident and your underlying policy limits are exhausted, their Commercial Excess Liability Policy will provide coverage up to the selected policy limit amount.
Workers' Compensation Insurance
Their Workers' Compensation Insurance products provide the protection necessary to your business in compensating employees for medical expenses and lost wages that result from a work-related injury. They offer competitive rates tiered according to the size of your business, and offer attractive dividend plans that reward favorable safety records with return of premium dollars.
Commercial Loss Control Services
As a service to their Commercial Insurance policyholders, they have developed a Loss Control Department which offers a variety of safety materials and programs. These additional insurance services are available at no additional cost to enhance the safety of your business or workplace.
They currently offer custom-tailored loss control programs for businesses in the states of Pennsylvania, Delaware, Maryland and Virginia. These programs may be implemented in your business with the assistance of their Loss Control Representatives, all of which have a minimum of 15 years in the insurance industry and are ready to serve your loss control needs.
In addition, they have developed attractive safety handouts which are made available to their Commercial Insurance policyholders upon request. Below is a listing of handouts currently available:
CWorkers' Compensation Management Program (PA & VA only)
Contractors' Tool Box Talks
Forklift Safety
Supervisors' Safety Manual
Driver Qualification Files Information
Model Emergency Response Plan
Model Fleet Loss Control Program
Model Fire & Emergency Safety Plan
Model Warehouse Safety Program
Commercial Group Programs
They have affiliated with several Chamber of Commerce organizations in their local area to provide comprehensive group programs of business insurance as a benefit to their membership. The programs are designed to be loss sensitive, and offer rate discounts and dividends which allow members who might not otherwise qualify for such benefits to participate in the "bulk" power of a group-based program.
The Donegal Insurance Group serves as the insurance carrier for the BizSure Program which was developed for the Lancaster Chamber of Commerce and Industry in 1993. The BizSure Program has also extended to the Lebanon Valley Chamber of Commerce and the Chambersburg Area Chamber of Commerce.
They would encourage any members of these Chamber of Commerce organizations to contact a local Donegal agent to inquire about the possibility of participating in these programs and taking advantage of the benefits offered through your membership.
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Homeowners Insurance
Their Homeowners Insurance policies provide complete protection for your home, and extending beyond your home to:
Garages and other buildings on your property
Household and personal possessions on your property . . . or anywhere in the world
Additional living expenses - paid to you if you are unable to live in your home because of a covered loss
Personal liability that provides coverage for your legal responsibilities for accidents causing injury to others, on your property and elsewhere
Medical payments - actual medical expenses paid to others who are accidentally injured on your property
Their Homeowners policies give you flexibility by offering you many coverage options, such as Guaranteed Replacement Cost, which provides coverage for the actual cost of replacing your home after a loss, no matter what the policy limit may be. Replacement cost coverage can be selected for the contents of your home as well, so that in the event of a loss, no deduction would be made for depreciation on your personal property. You may also choose higher limits on personal computers and valuables such as jewelry, furs, cameras and silverware. Or you may choose to insure these items on a schedule so that the exact details of each valuable are specifically listed as part of your policy.
You can save money on your Homeowners policy if you have installed safety and security devices, such as smoke detectors or burglar alarms. They offer credits for suburban homes within five miles of an eligible fire department, and they offer premium credits if your home is relatively new. You can save further by choosing a higher deductible and by renewing your policy from year to year, taking advantage of their renewal discounts. Be sure to read about their Account Credit Plan, which offers significant savings if you have both your Homeowners and Automobile insurance policies with their Company.
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Boatowners Insurance
Their Boatowners Insurance policies provide the extra protection you need for your boat. They provide complete protection of your vessel from bow to stern . . . afloat or on land. Their policy extends to your outboard motor and controls, electric starting equipment and standard equipment fuel tanks. Coverage is also provided for portable boating equipment such as boat oars, life preservers, boat anchors, etc. You may also choose coverage for your boat trailer.
Boat Liability and Medical Payments coverage provides protection for your legal liability for accidents that may arise out of the use of your boat. Coverage is also provided for medical expenses incurred due to injuries received in a boating accident.
Other optional coverages include Boater's Emergency Towing and Labor, Boat Replacement Cost, Uninsured Boaters, and Boater's Personal Property Coverage.
They offer various credits for such items as completion of safety courses, built-in fire extinguishing systems, depth finders, etc., and offer a 10% credit if your Homeowners policy is also placed with their Company.
Dwelling Fire Insurance
Their Dwelling Fire Insurance policies provide coverage for seasonal or secondary homes and quality rental units which fall outside the parameters of their Homeowners program. These policies provide property coverage for fire and other perils to these dwellings.
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Automobile Insurance
Their Automobile Insurance policies provide coverage for Bodily Injury and Property Damage Liability to others, as well as Physical Damage Coverage for your auto.
Bodily Injury Liability provides coverage for your legal responsibilities for accidents causing injuries to other drivers, pedestrians and passengers. Their Property Damage Liability coverage provides protection for accidents that damage the property of others. Legal defense costs, if any, are also covered.
First-Part Benefits Coverage is provided for medical expenses, rehabilitation expenses, income loss, funeral expenses and accidental death for you and others injured in an accident involving your car, regardless of who is at fault.
Uninsured and Underinsured Motorist coverages protect you or a member of your family from the cost of an injury in an accident if it was caused by a motorist without insurance coverage or without sufficient insurance coverage to pay the full amount you are legally entitled to receive as damages.
Their Automobile policies offer several options to help you get the most out of your insurance coverage. They offer Collision coverage to cover the costs of repair from the damage caused to your car by another vehicle. They also offer Other Than Collision coverage for fire, theft, vandalism, glass breakage and other perils. You can add coverage for towing and labor charges in the event your car is disabled, and Rental Reimbursement coverage will pay for the cost of a rental car following a loss to your car.
You can save money on your Automobile insurance if you have passive seat belt restraints and/or air bags in your vehicle. They offer further credits for anti-theft devices and anti-lock brakes. In addition, they offer discounts for those who car pool and for those who have undergone driver's education classes. You can save additional money with their Multi-Car Discount available when more than one auto is insured by their Company. And finally, placing both your Homeowners and Automobile policies with their Company qualifies you for significant savings under their Account Credit Plan.
Personal Excess Liability Insurance
Their Personal Excess Liability Insurance policies provide an additional layer of liability protection over and above the liability coverages of other underlying policies such as Homeowners, Automobile and Boatowners. This additional liability coverage can be added to provide further peace of mind in protecting your assets in this day when million-dollar lawsuits are increasingly common. Should you be legally responsible for the accidental injury of others or damage to property, and should coverage from your underlying policies be exhausted, their Personal Excess Liability policy provides coverage up to your selected policy limits.
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Farmowners Insurance
They recognize that your farm operation deserves special protection. After all, your farm is both your home and your livelihood! Obviously an investment worth very special protection. Donegal Insurance Group can help you protect this valuable investment by providing Farmowners Insurance, customized to your individual needs by a professional Donegal agent. They have been insuring farms for more than 100 years and understand the unique insurance needs of farmowners.
Their Farmowners Insurance policy provides protection for your home and personal property with coverage options similar to those offered in their Homeowners Insurance policy. Coverage is also provided for your farm barns, buildings, structures and additional farm dwellings if these items are specifically described with an amount of insurance in the policy.
Farm Personal Property can be insured as scheduled or blanket coverage. This property would include such items as farm produce and supplies, mobile machinery, poultry and livestock.
Their Farmowners Insurance policy also provides perhaps the most important coverage of all, liability coverage. This coverage pays on your behalf for your legal liability for damages for bodily injury or property damage to others.
Many optional coverages are available to allow you to customize your Farmowners Insurance policy to your individual needs and desires. They also offer discounts and credits for which you may qualify to help reduce your insurance costs.
A specially designed Dairy Farmer Select Farmowners Program has been designed for preferred full-time dairy farm operations. In return for meeting high eligibility standards, this program offers rate decreases and additional coverages.
Your local Donegal agent will be able to provide professional advice in helping you to determine which coverages are appropriate and what discounts are available to make sure that you get the adequate protection you need and help you save money at the same time.
