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ASIP COVERAGES
PROPERTY
ASIP Property coverage provides Replacement Cost coverage for your Real Property (buildings) and Business Personal Property. In addition, it provides protection for a wide range of exposures, such as:
- Business Income including Extra Expense
- Accounts Receivable
- Personal Property of Others
- Computers and Communications Equipment
- Valuable Papers, Software, Data
- Flood and Earthquake
Commercial GENERAL LIABILITY
The Commercial General Liability coverage included in our ASIP policy is designed specifically to meet the insurance needs of commercial ambulance services like yours. There are coverage features that make our policy different from a standard commercial policy. These include:
- Non-Owned Aircraft and Watercraft Liability
- Fellow Employee Liability
- Contractual Liability
- Completed Operations Coverage
BUSINESS AUTOMOBILE
ASIP Business Automobile coverage is designed to protect your organization from potential lawsuits arising from motor vehicle accidents. Coverage for damage to your vehicles can also be provided. Various coverage options are available, including:
- Liability Coverage
- No Fault/Personal Injury Protection
- Medical Payments Coverage
- Uninsured/Underinsured Motorists Coverage
- Physical Damage Coverage including Comprehensive and Collision
- Full Glass Coverage
- Towing and Labor Coverage
AMBULANCE SERVICES PROFESSIONAL LIABILITY
The Ambulance Services Professional Liability coverage provided by our ASIP policy is specifically designed to protect your organization and your employees from litigation involving your activities as medical professionals. It covers your emergency medical technicians, paramedics, and other medical licensees with the exception of physicians, as well as, your medical director. Coverage extends to a broad spectrum of liability exposures, such as:
- Providing Medical Services
- Furnishing or Dispensing Drugs, Medical or Surgical Supplies or Appliances
- Ambulance or Medical Transportation Services (including loading and unloading)
- Dispatching Services
EMPLOYMENT PRACTICES LIABILITY
The Employment Practices Liability coverage available on our ASIP policy is one of the broadest in the industry and is a perfect compliment to our commercial general liability coverage. Employment Practices Liability insurance provides coverage for litigation involving such accusations as:
- Wrongful Termination
- Sexual Harassment
- Failure to Employ or Promote
- Discrimination
EMPLOYEE BENEFITS LIABILITY
The Employee Benefits Liability coverage available on our ASIP policy is designed to protect your organization from exposures related to the administration of various types of employee benefit programs. It provides unparalleled coverage for litigation stemming from such accusations as:
- Failure to Enroll Participants
- Improper Calculation of Benefits
- Wrongful Termination of Benefits
- Improper Processing of Claims
CRIME
Commercial Crime coverage can be provided on our ASIP policy. Coverage is available for the following exposures:
- Employee Theft – Blanket or Position Schedule
- Forgery or Alteration
- Theft of Money and Securities
PORTABLE EQUIPMENT COVERAGE
ASIP Portable Equipment coverage provides replacement cost coverage for property normally used away from your premises in the performance of your duties as an ambulance service provider. It covers such things as defibrillators, EMS kits, portable radios and stretchers. It also provides protection for some additional exposures, such as:
- Patients Property
- Employees Property
- Computers and Software (away from your premises)
UMBRELLA/EXCESS LIABILITY
The ASIP Umbrella/Excess Liability policy is designed to provide extra limits of insurance above the primary limits provided under your underlying policies. It also covers damages and legal defense costs you incur if the coverage under the primary policies is used up or exhausted. If provided by your primary policy, excess limits can be provided for the following:
- Automobile Liability
- Commercial General Liability
- Ambulance Services Professional Liability
- Employment Practices Liability
- Employee Benefits Liability
- Employers Liability
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