Coverage Types
Auto Pollution Liability
Many more businesses than you realize are prone to losses to pollution liability resulting from the use of their vehicles. Contractors will often have a tank mounted on their pickup truck to fuel their off-road equipment. Fuel spills from the tank of this vehicle will need appropriate pollution coverage. Auto Pollution Liability provides coverage for any cost or expense arising from:
- Any request, demand or order; or
- Any claim or suit by or on behalf of a governmental authority demanding the insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize or in any way respond to, or assess the effects of pollutants.
The loss or damage must result from the upset, overturn or damage as a result of the maintenance or use of a covered auto. The discharge, dispersal, seepage, migration, release or escape of the pollutants must be caused directly by such upset, overturn or damage.
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Bodily Injury and Property Damage Liability
Liability protects you for your legal responsibility, and resulting lawsuits, caused by an automobile accident. The protection afforded by this coverage includes bodily injuries to another person or persons and/or damage to property.
The importance of selecting the right amount of coverage cannot be understated. The law requires the responsible party to make restitution for damages in the form of cash payments. If you do not have enough insurance to pay for the judgment against you, you will be personally responsible to pay the excess amount out of your own pocket. If you are unable to do that from your current earnings then a judgment against your future earnings may be assessed.
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Collision
Collision coverage pays for damage to your vehicle caused by the colliding of two or more objects. The basic policy pays up to the actual cash value of the insured vehicle at the time of loss.
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Coverage for Injury to Leased Workers
This endorsement redefines the definition of employee in the general liability coverage form to include coverage for leased workers.
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Drive Other Car
Everyone needs the benefits that flow from a Personal Auto Insurance Policy. These valuable benefits include coverage individuals while operating non-owned vehicles, coverage for Medical Payments and Uninsured and Underinsured Benefits for the specified individuals. Drive Other Car coverage modifies the commercial auto policy to provide for limited personal auto coverage as an extension of the Business Auto policy, even if no private passenger type autos exist in the policy. Covered persons include the specified individual and spouse, if members of the same household.
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Employee as Lessor
Perhaps the most common mistake business owners and insurance agents make relates to personally titled vehicles being added to a corporation’s insurance policy, or a policy that is not held by the title holder. Dangerous coverage gaps are created when this occurs that can leave the individual owner of that personally titled vehicle without coverage. Drive Other Car may be added, providing liability protection for an employee of yours, who leases an insured auto to you. Additionally, the insured auto will be considered an auto you own, and not a covered auto you hire, borrow or lease.Speak with a Rep Get a Quote
Employee Hired Autos
Does your business have employees who travel out of town and rent a vehicle in their personal name for business use? The Personal Auto Policy will most likely exclude coverage for the damage of the rented vehicle, as well as the liability that would results from that accident. Employee Hired Autos will provides both liability and physical damage protection for an auto rented in an employee’s name while used in the course of company business.Speak with a Rep Get a Quote
Employees as Insureds
Includes in the definition of “Who Is An Insured” an employee who drives their personal auto during the course of company business.
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Fellow Employee Coverage
This provides liability protection for an employee suit brought against a fellow employee out of and in the course of employment.
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Hired and Non-owned Auto Liability
Nearly every business has the potential for losses arising out of its use of rented vehicles (Hired Autos) and vehicles it does not own (Non-owned Autos). Consider, for example, a general contractor that utilizes subcontractors. If that subcontractor were involved in an accident on the job site, the likelihood is great that the general contractor will be brought into a lawsuit on the basis of its vicarious liability. Also, what about the business owner who sends its employees to run errands in the employee’s vehicle? Hired and Non-owned Auto Liability provides valuable protection for the business from these types of lawsuits.
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Hired Auto Physical Damage
Does your business rent vehicles? If so, Hired Auto Physical Damage coverage is the answer to providing coverage for damage of the rented vehicle. Coverage may provide for Collision and Other Than Collision.
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Lease/Loan Gap
While the standard insurance policy pays for the actual cash value of the vehicle, at the time of loss, there are instances where you may owe more than the standard insurance covers. A lease of a vehicle, or sometimes even a loan, will result in a contractual obligation that requires payment of more than the vehicle’s actual cash value, thereby leaving a shortage between what the insurance pays and what the bank requires you to pay. Lease/Loan Gap Coverage provides payment for this difference so that you are not obligated to pay this out of your own pocket.
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Medical Payments
Medical Payments provides an amount of money to pay for automobile related injuries to you or passengers of your insured vehicle.
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Other than Collision (Comprehensive)
This coverage provides payment for damage to your insured vehicle caused by a Comprehensive loss, sometimes termed Other-Than-Collision. Typical examples of claims falling into this category include fire, theft, vandalism, malicious mischief and breakage of a windshield. Collision with a bird or animal is also included as Comprehensive. The basic policy pays up to the actual cash value of the insured vehicle at the time of loss.
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Rental Reimbursement
Rental Reimbursement provides for payment of a rental car due to a covered loss to your insured vehicle. Hired Auto Physical Damage may be purchased which will provide coverage for the physical damage of the rental auto.
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Towing and Labor
Pays towing costs, and necessary labor expenses, completed at the scene of the disablement. This includes expenses such as roadside fueling of your car, a jump start or battery replacement, and changing a tire.
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Trailer Coverage
Trailer coverage may be added to provide for physical loss to trailers. Coverage may also be endorsed to provide liability coverage for trailers in excess of 2,000 lbs. gross vehicle weight, whether attached or detached from the power unit. Liability protection is provided automatically for trailers under 2,000 lbs. gross vehicle weight.
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Uninsured and Underinsured Motorists
Uninsured and Underinsured Motorists provides payment for bodily injury to you or passengers involved in an auto accident and caused by a driver with either no insurance (uninsured motorists) or not enough insurance (underinsured motorists). This coverage may also apply to bodily injury to an insured household member, caused by an uninsured or underinsured motorist while riding in a non-household vehicle, walking, or riding a bike.
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Uninsured Motorist Property Damage
Uninsured Motorist Property Damage pays for damage to your vehicle when it is hit by a positively identified underinsured motorist. If you insure your vehicle for full coverage then the collision coverage will pay for your vehicles. If you do not carry collision coverage, or you carry high deductibles, then Uninsured Motorist Property Damage is a good option to protect your vehicle from damage caused by a driver with no insurance. This coverage is subject to a $250 deductible.
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Other Insurances
Our Customers
Although I haven't had any issues to require me to utilize the insurance, I am very pleased with the communication and setup process Sherry walked me through. Honestly, she did all the hard work. Very appreciative for her making the homeowners insurance (and car insurance) process a breeze while I was busy working on buying a home.
Kate Macko
16:02 03 Oct 23
Sherry was very professional and courteous took really good care of me and got me the best deal
Jamie Fleming
15:12 26 Sep 23
I had a great experience working with Dennis throughout the entire insurance process as I had 3 policies up for review. He promptly answered any questions and suggested some great changes. I received a double benefit: better coverage at a significantly lower cost. The whole staff is top notch and handles changes quickly and professionally. I highly recommend McMichael Insurance for all your insurance needs. 5 stars!
J Stach
01:53 26 Sep 23
Working with Dennis has been such a great experience! He called right away when I sent in an online request for information and answered every single question. Dennis saved us so much money with MORE coverage! I am so glad that we found McMichael Insurance. I highly suggest them to anyone and everyone I talk to now. Call them now and see what they can offer for you!
Jessica Boyer
13:14 13 Sep 23
Warm friendly and helpful.
Jeff Schofield
19:00 30 Aug 23
Have been a client of Dennis McMichael for years. He is excellent. Always promptly answers any questions I have. His staff is wonderful. Always handles any changes quickly.
janice zabish
23:14 29 Aug 23
McMichael always has my back, finding me better insurance opportunities while at the same time reducing my cost. I’ve beefed with them for 30+ years and they have been doing a great job handling my insurance needs.
Jeff Baker
13:27 28 Aug 23
My late husband was a customer of McMichael for years! Now, my grandson is following in his grandpa's steps, feeling totally "safe" with McMichael as his insurance company!
Vicki Sorber
13:55 24 Aug 23
The agents at McMichael Insurance are top notch. They took the time to make sure they knew what I needed and provided me with quality, affordable coverage for Medicare, auto, and renter's insurance. And they followed up to make sure I was satisfied. Agents are supportive and caring. I highly recommend that you give them an opportunity to do the same for you.
Brenda Gates
13:48 22 Aug 23
Sherry at McMichael Insurance was extremely professional, and a joy to work with! I would recommend them to everyone for any insurance needs.
Leslie Kauffman
14:34 21 Aug 23
I am very pleased with the service that was provided for me, I couldn't find that kind of service anywhere else, the representative Was down to earth and very professional, I highly recommend this company.
Clark Ross
03:36 18 Aug 23
Very efficient and easy to work with.
Tracy Moorw
20:20 15 Aug 23
Laura & Faith worked with me to secure a landlord coverage policy. I will definitely be using their service in the future. They were quick to answer any request the lender had and were following up during the process. Thanks Laura & Faith
Isabelle S
16:09 14 Aug 23
Dennis was a rock star and was able to "swoop in" to provide an insurance quote for a Short Term Rental Property that I just acquired where other insurers couldn't/wouldn't. Thanks, Dennis!
Danny Cota
14:38 08 Aug 23
Awesome customer service....very helpful and pleasant!!!
Jenny Cogar
15:08 03 Aug 23
Dennis worked with me to get great renters, life, and auto policies that saved me hundreds! I had never worked with an insurance agency before so I approached with some trepidation. But Dennis quickly put my concerns to rest with his detailed explanations and thorough research into my needs. Could not be happier with how my experience with this team has gone!
Tim Clark
17:36 29 Jul 23
Michelle was fantastic to deal with. Look forward to being a customer of hers for years to come.
Eugene Matera
13:34 26 Jul 23
Wonderful person who knows what she is doing. Always looking out to take care of you.
Jason Romanowski
13:15 29 Jun 23
I enjoy working with Michelle. She is professional and attentive to her client's needs. She responds promptly to questions and is willing to go the extra mile.
Rozi Johnson
20:50 25 Jun 23
Great fast and friendly service! Recommend them to everyone. I worked with Dennis! Try them you won't be disappointed!
Kathy Dyno
13:45 22 Jun 23
I appreciate the yearly review of my account and the options presented at renewal.
penny meier
11:15 15 Jun 23
Mark McMichael is very professional, kind and courteous. He goes above and beyond to get you the best coverage and rate. He also responds quickly with any questions you may have. Thank you
Barb Elam
16:45 14 Jun 23
Michelle was so easy to talk to and work with. She worked hard to find us great policies and she saved us quite a bit of money. She was very responsive and easy to communicate with. I highly recommend McMichael Insurance.
Ingrid Brown
14:34 13 Jun 23
Dennis is absolutely a true consummate professional. He really did a deep dive and pointed out many aspects for improved insurance coverage opportunities while saving me money. I highly recommend!
Josh Leeser
18:57 05 Jun 23
We are extremely happy in working with McMichael Insurance. We had been with another company for years and once we inquired about information and received our quote - there was no turning back. The customer service is simply amazing!!
Amy Barbisch
16:13 24 May 23
Very pleasant to work with made you feel they cared
Michael Fessler
01:05 19 May 23
Excellent experience with this agency. Kristen Jordan is so personable and knowledgeable about insurance options. It was truly a joy to work with her in obtaining better insurance coverages for both my home and automobiles. I highly recommend this agency, and especially agent, Kristen Jordan.
John Baumgardner
15:45 18 May 23
Michelle provided outstanding service and assisted me with substantially lowering my insurance costs.
Adrian Gore
19:10 16 May 23
I would like to recommend McMichael Insurance once again this year with Josh contacting me during the Medicare enrollment period to see if there were any issues with my current Medicare plan and also if I was satisfied with my Supplemental plan and we reviewed the costs and the services provided with the plan and we decided to remain with the same Medicare and the same Supplemental plan. There are not too many insurance companies that reach out and also have a service to provide help with Medicare and associated plans.Keep up the great job and the customer service.I had two great experiences with McMichael Insurance. One, I worked with Josh on Medigap insurance. He spent the time to go through all the plans and explanations on the plus and minus of the pertinent ones. He was very helpful.The second was with Mark regarding an auto and home policy review and a suggestion for a Hagerty policy for my sports car. Great recommendations.Keep up the good work.FrankWe have again had superior customer service during the past year with McMichael Insurance and they always keep us updated with their communications and with their e-mails with "things to consider" with both home and auto insurance.I have always received a quick response to my calls and the staff has always been helpful.Continued success during the year.I had a great experience working with Tammy about some questions that I had regarding adding a young driver to a policy. She responded quickly by phone and we had a great conversation and it was obviously she had a ton of experience and provided all the answers that I needed. She was very personable and it felt like I had known her for years.Another great experience with the agency.5-7-23I can't express how satisfied I have been with McMichael Insurance through the years. I have been a customer of McMichael for many years and have several relatives that are also customers and have been with the agency for as long as I have been.I am always contacted as my insurance is due to renew and we review the new rates and determine if there is a need to review my policy with other potential carriers for possible savings for comparable coverage.Great customer service and great follow-up to any questions or concerns. Keep up the great work.
Frank DiMauro
03:38 07 May 23
Very easy to work with and very helpful!!!
Doug
13:31 02 May 23
They made it easier to understand what coverage is available, went thru great detail to know what I would receive and was very efficient helping set up the policy. Highly recommended!
Deborrah Beckett
01:29 29 Apr 23
Dennis was awesome! Helped me get insurance for my home and drastically reduced my auto insurance while offering more coverage. Would absolutely recommend!
Caljac
19:16 25 Apr 23
A wonderful experience, wish it were free . . .
William
19:32 21 Apr 23
One call saved me literally hundreds of dollars. Home and Auto with a company and agent I can fully trust.
Judy Martin
02:13 19 Apr 23
Smooth, easy, fast, amazing customer service! All questions and concerns were addressed, prompt service I would definitely recommend to all!
Nelli Ali
14:59 13 Apr 23
Kristen J. was great to work with! Found me lower rates for home and auto (cheaper than I was finding on my own) and made switching carriers quick and easy. Thanks Kristen!
Gene Stefanov
14:22 13 Apr 23
Kristen is great! Knowledgeable, professional, and friendly! I will definitely work with her again when I need future insurance quotes!
Jason Smith
14:16 13 Apr 23
Michelle is a Godsend! I had spent a couple weeks researching quotes for home and auto insurance. Everything I came across was way more than what I was paying. Michelle called me, and said “baby let me work my magic”, and she did! She found great rates for me. She’s the best agent I’ve ever worked with. I feel like she’s been a real friend, and I’ve only known her for a short period of time. She makes sure every question is answered, she’s professional, she responds immediately, and she will take care of you. I’m confident that you would be pleased with her service too. I’d recommend her to anyone that’s looking for insurance to contact Michelle at this company. Ten stars!
Deanna Artis
22:32 12 Apr 23
The McMichael Team is always professional and friendly. Dennis has been a great help anytime we have had any questions or concerns about either of our policies. His knowledge, advice and timely response is very much appreciated. Josh was very patient and informative when helping my husband through the daunting task of signing up for Medicare last year. He even touched base with us this year to make sure the plan we chose was still working for us. Thank you!
Michele Birklund
21:29 12 Apr 23
Great service, very responsive, professional, and amazing value.
Mina Lobbous
02:06 04 Apr 23
My experience with Kristen was great 👍! She was able to get me a wonderful rate for car and renter's insurance. She is very professional and caring. I would recommend her to anyone.
Betty Valentine
15:15 27 Mar 23
Aways Helpful and Pleasant.
Bob & Mary Jirousek
17:42 19 Mar 23
Dennis worked with me to find home & auto insurance that fit both my needs and my budget. He saved me a lot of time and the aggravation associated with vetting out insurance companies on my own. Working with Dennis was a pleasure.
Robert Melchiorri
15:19 09 Mar 23
Very proffesional , knowledgebal , attention to details . Hard to find those days
Ekaterina Varley
17:56 08 Mar 23
Explained very well and quick.
Bigboss
14:27 02 Mar 23
McMichael insurance is the best I have dealt with in 30 years!And Kathryn is an amazing client manager! She is not only great at her job, but she is the funniest client manager also. If you ever get a chance to deal with her, look out cause she has some one liners that will have you rolling on the floor in stitches! Her humor takes the pain out of dealing with the arduous task of commercial insurance.
Adam Csongedi
15:53 01 Mar 23
Great communication and follow up. This was a simple and painless process!
Brad Denning
22:59 22 Feb 23
Dennis did a great job finding us a lower rate on our home and auto insurance. Thank you.
Ron Borchert
01:41 17 Feb 23
Love working with Michelle. She has made everything so easy!
Yale Goldberg
22:29 15 Feb 23
My company BanaPlus transport Corp. working with McMichael insurance for over 3 years we had the best experience with them during the past 7 years in the trucking business. Thank you
Hani Salameh
22:40 10 Feb 23
Best things for me has been working with Michael and of course pricing was great and he made the transition very easy and timely
Rick Hoddinott
16:08 09 Feb 23
Ms. Kristen Jordan is the best! She found us a better insurance plan and saved us money. I will definitely share her info with my friends.
natasha belmo
15:11 09 Feb 23
Absolute a great insurance agency all around. I have been in the transportation industry since 2008 and have experienced my fair share of decent insurance agencies, but you cannot go wrong when selecting McMichael Insurance. They are extremely knowledgeable, provide outstanding customer service, quick to resolve any last minute issues, and the list truly goes on! I highly recommend and plan to be with the McMichael Insurance organization for the duration of my time in transportation. Give them a call, ask for Kathryn Wolf, she’s my agent, and I promise she will not disappoint! FIVE STARS ALL THE WAY WITHOUT HESITATION!
Jermaine Roller
22:06 01 Feb 23
Saved me so much!! Kristen was awesome and got me exactly the coverage I needed at a great rate.
Chris Just Vape
15:16 31 Jan 23
Had a great experience with Kristen Jordan. She found a much better rate on both my auto and home insurance. The process was very smooth and stress free. Definitely recommend!
Catherine Loiacono (Cat)
17:29 25 Jan 23
Kristen at McMichael Insurance was very helpful and met all of our needs. She went over and beyond to help us find the best rates . I would recommend her to anyone, a great person to work with and company thank you for all of your help.
Lisa Diamandis
15:42 20 Jan 23
Great experience
Jacinta Barfield
14:32 20 Jan 23
I am so happy with my new insurance that Kristen Jordan found for me and my son. Kristen took her time and due diligence to find the best deal out there for me and my son. I highly recommend her and the company to anyone in the market or anyone looking to lower their insurance payment. She is the best of the best!!
Kellie Hensley
20:44 13 Jan 23
Recently, McMichael reviewed our insurance needs and proactively moved us to Hanover Insurance as our previous carrier was moving rates upward. The transition was seamless. Dennis was quick to show us that the coverage was the same and the cost would remain in line. The young lady who was assisting Dennis was so professional when I had questions on the premium payments. They take all the worries out of our needs. Thanks again for all your agency does.
Stephen Banashak
14:37 10 Jan 23
If I could give 6 stars I would! We were in the middle of a move and had to quickly switch companies. One phone call to McMichael Insurance company and our problems were solved. They find the best rates. Michelle Mclean is awesome.
Jo Hagy
15:14 29 Dec 22
Fantastic experience
Shakir Shakioye
14:44 22 Dec 22
We worked with Kristen Jordan and she was awesome!! She found us the best coverage for our home and cars and saved me countless hours of research She is incredibly knowledgeable about all types of insurance and the coverage needed Thank you for helping us and for saving us lots money!!
Amy Linneman
20:02 14 Dec 22
Kristen Jordan, thank you for going the extra mile for us, your professionalism and years of experience are appreciated. We are glad we found you! Please add us to your loyal clients list. Best.
JM
14:35 13 Dec 22
The whole experience was awesome! Kristen is top notch in helping you save money with the best coverage. Highly recommended!!
DJ McKinzie
15:23 12 Dec 22
Getting auto and homeowners insurance was extremely fast and easy.
Jason T.
14:06 09 Dec 22
OMG Ms Jordan is a godsend, she crunched some numbers and got me in a policy that was twice as good as my previous policy and saved me almost half of what I was paying. Whoa who. Thank you
Wanda Worsham
20:06 03 Dec 22
Extremely helpful and absolutely great prices!
rebel malm
15:12 18 Nov 22
Michelle was so much help with our insurance needs. SheWent above and beyond!! She save us so much money, we got better policies for less money, and personal caring service.
Mary C
15:36 11 Nov 22
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