Commercial Automobile Insurance

To round out accounts for the most effective and efficient risk management, PMA offers Commercial Automobile insurance to our workers' compensation clients. This arrangement allows for an extremely powerful loss prevention approach, as nearly 64 percent of all accidents can be attributed to driver error. Thus, risk control measures taken to promote worker safety will be notably effective in minimizing commercial automobile exposure.

The PMA Standard Commercial Automobile Program

The Commercial Automobile line at PMA offers a full line of liability and physical damage coverages.

Our program offers superior options, including the following:

• A customized Fleet Safety Program coordinated by our Risk Control Department, which can include comprehensive training seminars and classes for fleet safety managers and drivers.
  
• A driver monitoring program, utilizing vehicle decals to encourage the public to report safe and unsafe driving actions via a toll-free number, is offered to all qualified accounts at no additional charge. This program has been found to decrease accident frequency by as much as 20 to 25 percent.
  
• The Excellerator Endorsement--For a nominal fee, this endorsement provides the most frequently requested coverage enhancements and clarifying statements. The Excellerator includes:
  
  • Unintentional Failure to Disclose Hazards
    
  • Knowledge and Notice of Accident
    
  • Supplementary Payment Extensions
    
  • Drive Other Car Coverage for Designated Individuals
    
  • Employees as Insureds Excess Coverage
    
  • Rental Reimbursement Coverage
    
  • Hired Auto Car Liability Coverage and Physical Damage Coverage
    
  • Employers Non-Ownership Liability
    
  • Audio, Visual and Data Electronic Equipment Coverage

The PMA Preferred Automobile Program

For accounts meeting the PMA Preferred Automobile Program criteria, PMA offers all the benefits of the standard program plus the additional benefits of:

• Rates deviated from the standard company.
  
• The Excellerator Endorsement at no additional charge
  
• Customized Fleet Safety seminars and classes at no additional charge.

We also offer a Composite Rating Plan that provides for convenience in the handling of large fleets, and easy auditing at policy expiration.

The PMA Insurance Group, 380 Sentry Parkway, P.O. Box 3031, Blue Bell, PA 19422-0754. Tel: 610-397-5041; Fax: 610-397-5027.