Special Section sponsored by TMPAA |
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Great American Insurance Group In the Property and Inland Marine Division, we build our reputation by offering a broad range of products that include builders risk, contractors equipment, property and excess property, transportation cargo, electronic data processing (EDP), and difference in conditions (DIC) Property and Inland Marine provides products and risk management solutions to businesses throughout the nation. Because we are a nation of builders, we understand that modern machinery, skilled people and good protection are necessary for construction success. This makes construction our division’s largest single business segment and contractors equipment our largest business. Our underwriting, loss prevention and claims representatives understand jobsites, operational hazards and construction equipment and are prepared to assist with first party insurance, loss control and claims handling needs. We can satisfy the needs of construction project owners, construction managers and contractors and we provide a 24/7 hotline to provide claims service whenever required. Our specialists help create a unique “first party” package and provide many essential coverages under a single policy to meet the needs of our clients, including: • Superior protection for buildings, personal property and loss of business income • Coverage for equipment breakdown loss to building machinery and services • Crime coverages for employee dishonesty and theft or destruction of money and securities • Specialized inland marine coverages, such as difference in conditions, business electronic and telecommunications systems, contractors equipment, builders risk, cargo liability, fine arts and many more. Some of the industry classes that represent the majority of our property book include: • Municipalities Key exposures addressed include machinery used for operation or maintenance of building and property and equipment, and due to the multiple services they provide, municipalities often need coverage for everything from fire trucks to golf carts to computers. Great American helps by insuring fixed and mobile property, as well as property in transit. In education, property and inland marine covers important areas like: • Structures including building(s), dormitories, and equipment and machinery like lawn maintenance tools, boilers, etc. • Learning and administrative tools including computer equipment and data, telecommunications equipment and scientific instruments. • Extracurricular equipment such as athletic equipment, band instruments, uniforms, theater props, lights, costumes, artists’ tools and supplies, plus booths, flags, banners, and stands. For medical/health services, we cover key exposures like: • Buildings and personal property that includes permanently installed machinery and equipment, fixtures, floor coverings and appliances. • Medical diagnostic equipment such as MRIs, CATs, accelerator units and the like. • Physicians and surgeons equipment including medical and dental equipment and supplies, office equipment, furniture, and fixtures. We also offer a select business policy for manufacturing and in addition to coverage on buildings, business personal property, and business income, clients can insure employee tools, receive recharge of fire protection devices and cover EDP equipment and many other exposures. Key areas addressed by property and inland marine include: • Buildings and personal property like machinery, computers, property in transit, materials and supplies, permanently installed machinery, equipment, fixtures, floor coverings and appliances. • Loss of income or extra expense because in the event of a loss to property, there is a likely loss of income as operations are suspended and additionally incur expenses related to recovering from the loss. We provide insurance to meet these concerns. • Tools, equipment and machinery that may cover pieces of property to assist whether the property is mobile or fixed in one location. • Others’ property if a business requires another to take temporary responsibility for a customer’s property, we can insure this liability. Property and Inland Marine addresses a variety of transportation and warehousing exposures because truckers are critical to our economy and are responsible for nearly 70% of the tonnage carried by domestic freight transportation. Great American helps carriers by providing motor truck cargo carrier’s liability coverage. Our specialized claims operation understands the transportation business, and with a 24/7 claims hotline, provides service when required. The Property and Inland Marine Division provides unparalleled financial protection to motor carriers for cargo losses including legal liability coverage, earned freight charges, debris removal, and reloading expenses. Best of all, you work with a staff of Property and Inland Marine specialists and you will have access to our staff of certified loss prevention specialists. For additional information, please contact:
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