We Cover All of Your Needs
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The package of coverages included in the WIP® provides a broad foundation to protect your business, its operations, and its continuing profitability. But many wholesaler-distributors have other coverage needs too, and the WIP® strives to provide for those needs as well.
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Worker's Compensation:
When possible, it’s always desirable to obtain all your company’s coverage from the same source. It is convenient. It’s easier to build a rapport when you’re dealing with a single group of people. (Available in most states.)
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Worker’s Compensation coverage provides medical expenses, disability, permanent and partial impairment and death benefits for your employees should they become injured or sick in the course of employment. These benefits (Statutory Compensation) are mandated by each state.
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The AWUL WC Program marries the flexible Wholesalers Insurance Program with experienced, nationally recognized A+, A and A- Workers Comp carriers. Now you can place all your distributor accounts’ lines of business in one of our 50 programs. Available WC programs are
Guaranteed Cost Plan, High Deductible Plan and Retroactive Plan.
Each program lets you place complex distributors having difficult WC Class Codes. WC Class Codes:
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8810
Clerical
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3612
Engine Mfg
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8742
Salesperson
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3632
Machine Shop NOC
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8017
Retail NOC
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3643
Electric Equipment
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8018
Store—Wholesale
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3724
Electrical App. Install.
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7380
Drivers NOC
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5183
Plumbing
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8010
Store-Hardware
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7390
Beer Wholesale
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8809
Executive Officer
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8046
Auto Parts NOC
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8107
Machinery Dealer
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8106
Iron/Steel Merchant
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8111
Plumbers Supp. Dealer
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8232
Building Material Dealer
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8032
Store—Wholesale
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8380
Auto Repair Service
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And other classes as may be required.
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Umbrella Liability:
Umbrella coverage is available to provide your business with additional protection from catastrophic liability losses.
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Our policy has special features: When a claim is paid under most other umbrella and there is no underlying liability coverage, the insured is usually responsible for the first $10,000 of the claim. Our umbrella provides first-dollar coverage.
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Some umbrellas reimburse the insured after a claim has been paid out of their own pocket. Our umbrella pays your legal expenses and the claim direct.
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Limits of $1,000,000 to $10,000,000 or more are available.
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One of the highlights of our Umbrella is it does not contain a Punitive Damages Exclusion.
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