Available Products Auto Liability: This policy provides coverage for losses arising out of the ownership, maintenance and/or use of automobiles.  This coverage protects you from accident claims against you. Auto Physical Damage(Comp & Collision): This policy protects your vehicles against damage and theft.  Also known as full coverage, this policy is accompanied by a Deductible. Hired and Non Owned Auto Liability (BOBTAIL): Hired and non-owned auto liability covers automobiles that an organization uses but does not own. Hired coverage applies to an automobile on a short-term lease. It does not cover vehicles leased on a long-term basis. Non-owned coverage applies to automobiles used without charge to the organization, such as those owned by volunteers and employees but used on organization business. General Liability: This policy provides protection against claims or lawsuits alleging bodily or personal injuries or property damage caused by the operations or actions of your organization. These injuries might include a child who is injured while playing at school, a senior citizen who becomes ill from eating food at a senior meal site, or a program participant who slips on a wet floor and breaks a bone. The policy excludes such things as lawsuits brought against board members for bad management decision, lawsuits alleging unfair employment practices or actions of an unprofessional nature. Commercial Property: This policy protects your organization against direct physical loss of, or damage to, covered property from insured causes of loss. Generally, you would include buildings you own or contract to insure and business personal property. *An insurance policy is a legally binding contract. Once you accept the contract and pay the premium, the insurance contract becomes a binding agreement, which obligates the insurance company to provide protection as outlined in the contract. However, it also is important that you read the exclusions, which tell you when the coverage does not apply.