Other Insurance

APA Insurance Services provides the following types of business and personal insurance protection:

• Auto - Commercial
• Commercial Umbrella
• Employment Practices Liability
• Workers' Compensation
• Personal Auto and Homeowners (Travelers Benefits Plus)
  
  

Auto - Commercial

A commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire, and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance.

Commercial Umbrella

Most package policies provide a liability insurance limit of $1 million for any one loss and $2 million in any one year. For many businesses, this limit is inadequate for real economic security. As a result, additional layers of protection in million-dollar increments are readily available in today's insurance market for most businesses.

Employment Practices Liability (EPLI)

Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to:

• Discrimination
• Wrongful Discharge
• Sexual Harassment
• Hostile Working Environment
• Wrongful Termination
• Lack of Advancement

Workers' Compensation

Workers' compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, this coverage is the largest part of its insurance expense.

Personal Auto and Homeowners (Travelers Benefits Plus)

Travelers Benefits Plus® is designed for organizations like the APA looking to provide additional member benefits at no cost. This program offers APA members convenient access to attractively priced, high-quality insurance at special program rates.

APA members can enroll in Travelers Auto, Home and other personal insurance through APA Insurance Services, and take advantage of special program rates and many convenient billing options.

Read more about the personal auto and homeowners insurance discount program