The Ultrapack Business Policy provides coverages for your property, income, and liability needs.

• Property Protection - Coverage for Your Buildings
• Coverage for Your Business Personal Property and Personal Property of Others
• Electrical Panels, Fences & Walks, Unattached Outbuildings, Trees, Shrubs, Lawns & Plants, Merchandise in Shipment, Refrigerated Items, Temperature Change, and Moving
• Income Protection
• Mechanical and Electrical Breakdown
• Extra Protection
  • Valuable Papers and Records Coverage
  • Accounts Receivable Coverage
  • New Property Coverage
  • Money and Securities Coverage
  • Employee Dishonesty Coverage
  • Electronic Data Processing Equipment
• Liability Protection
• Optional Protection
  The Ultrapack Business Policy can be endorsed to increase your protection or tailor the policy to meet your specific needs. Some optional coverages available are:
  • Blanket Coverage
  • Sewer and Drain Back-up
  • Earthquake Coverage
  • Professional Liability
  • Inland Marine Coverage
  • Contingent Business Interruption

As the name implies, this policy is the ultimate in commercial insurance, and it provides the flexibility to include a variety of coverage options. Available in the Ultraflex Package Policy is coverage for buildings, business personal property, crime, income protection, glass, lettering and signs, and liability coverages.

• Building Coverage
• Business Personal Property and Personal Property of Others
• Glass and Lettering
• Income Protection
• Property Extra Protection
  • Accounts Receivable Coverage
  • Check Forgery and Alteration
  • Electronic Data Processing Equipment
  • Employee Dishonesty Coverage
  • Exterior Signs, Lights, and Clocks
  • Key Replacement
  • Transit
  • Valuable Papers and Records Coverage
• Optional Property Protection
  • Inland Marine Coverage
  • Boiler and Machinery Coverage
  • Sewer and Drain Back-up
  • Systems Breakdown Coverage
  • Earthquake Coverage
  • Building Ordinance Coverage
  • Premises Burglary and Robbery
• Liability Coverage
• Other Liability Features
  Additional liability coverages can be extended to increase your protection and meet your specific needs, such as:
  • Non-Owned and Hired Automobile Coverage
  • Additional Insureds Coverage
  • Professional Liability Coverage

• Coverage for Your Building
• Coverage for Your Business Personal Property and Personal Property of Others
• Mechanical and Electrical Breakdown
• Rental Income Protection
• Property Extra Protection
  • New Property
  • Secondary Location
  • Property in Danger
  • Debris Removal
  • Key Replacement
• Additional Protection
  This flexible policy includes additional protection for the following items and situations:
  • Electrical Panels
  • Fences
  • Walks and Fences
  • Unattached Outbuildings
  • Trees, Shrubs, Lawns, Plants
  • Refrigerated Items
  • Temperature Change
  • Tennis courts and Inground Swimming Pools
  • Moving
• Liability Protection
• Optional Protection
  The Ultrasure Package Policy for Property Owners coverages can be extended to increase your protection and meet your specific needs, such as:
  • Earthquake Coverage
  • Condominium Coverage
  • Inland Marine Coverage
  • Sewer and Drain Back-Up
  • Building Ordinance Coverage
  • Liability - Aggregate Limit per Location

• Coverage for Your Dwelling
• Coverage for Your Business Personal Property
• Rental Income Protection
• Supplemental Protection
  This ERIE policy is a comprehensive protection package. It includes all of the following important coverages as additional amounts of coverage.
  • New Property
  • Valuable Papers and Records
  • Money and Securities
  • Debris Removal
• Additional Protection
  This flexible policy includes Named Perils coverage for the following:
  • Fences
  • Walks
  • Trees, Shrubs, Lawns and Plants
  • Unattached Outbuildings
  • Tennis Courts
  • Inground Swimming Pools
• Liability Protection
• Optional Protection
  The following are some of the coverages that can be included in your Ultrasure Package Policy for Landlords to broaden your protection.
  • Comprehensive Perils -
    Dwelling and Rental Income Protection
  • Comprehensive Perils -
    Dwelling, Business Personal Property and Rental Income Protection
  • Inland Marine Coverage
  • Earthquake Coverage
  • Condominium Unit Owners Coverage

• Building Coverage
• Business Personal Property and Personal Property of Others
• Income Protection
• Extensions of Coverage
  Your ERIE policy provides you with Extensions of Coverage as additional amounts of insurance. Some are:
  • Valuable Papers & Records
  • Newly Acquired or Constructed Property
  • Peak Season
  • Accounts Receivable
  • Exterior Signs, Lights, and Clocks
  • Fire Department Service Charge
  • Fire Extinguisher Recharge
  • Money and Securities
• Liability Coverage
  • Bodily Injury Coverage
  • Personal Injury Coverage
  • Property Damage Coverage
  • Advertising Injury Coverage
  • Owners' and Contractors' Protective Coverage
  • Elevator Liability Coverage
  • Medical Payments Coverage
• Extra Coverages
  In addition to the important coverages already described, the Fivestar contractors Policy includes a variety of Extra Coverages:
  • Blanket Contractual Liability
  • Hired and Non-Owned Auto Liability
  • Fire Legal Liability
  • Incidental Medical Malpractice
  • Broad Form Property Damage Liability
  • Host Liquor Liability
  • Employees as Named Insured
  • Worldwide Policy Territory
• Optional Coverages
  These Optional Coverages are available by endorsement for an extra premium charge:
  • Fivestar Contractors' Enhancements Endorsement
  • Builders Risk Coverage
  • Installation Floater
  • Contractors Equipment Coverage
  • Contractors Tools Coverage
  • Electronic Data Processing Equipment Coverage
  • Employee Dishonesty Coverage
  • Employee Benefits Liability Coverage
  • Earthquake Coverage
  • Mine Subsidence Coverage
  • Voluntary Property Damage Liability Protection Coverage

ERIE has developed many Xtra Protection features that are not found in most of the other commercial auto insurance policies. We give you 31 Xtra Features at no additional cost to you that provide you with Xtra Protection if the time ever comes when you really need it.

The Xtra Protection Features are found throughout ERIE's Pioneer Commercial Auto Insurance Policy. Here are samples of some of the Xtra Features you'll find in our policy:

• Coverage is included for autos that are not furnished or available for regular use while driven by your active partner, executive officer or if the Insured is a joint venture, your active member. Coverage for each of their spouses is also included as long as the spouse resides in the same household.
• ERIE's definition of Bodily Injury includes loss of services.
• We will pay up to $500 for bail bonds required because of an accident or traffic violation involving an auto we insure.
• We will pay all reasonable costs for first aid to other people as well as animals involved in an accident with an auto we insure.
• Lawyers' fees are paid up to $50, if you are arrested as a result of an accident.
• We will pay transportation expenses from a covered comprehensive loss up to $20 per day and not to exceed $600. (Higher limits are available)
• We will pay up to $75 per person for travel costs, meals and lodging when a comprehensive or collision loss prevents you from reaching your destination.
• We will pay all expenses necessary to replace a deployed air bag.
• In addition to the factory-installed sound equipment, we will pay up to $1,000 for sound equipment that is permanently installed other than in the opening of the dash or console normally used by the manufacturer to install sound equipment.
• If you cancel your policy we will return the pro rata unused share of your premium.
• We will reimburse you for your premium paid for up to 30 days of coverage in an owned vehicle in Mexico or in foreign countries where this policy does not apply. You must buy similar type of insurance.
• If you carry Collision coverage on your auto, it also applies when you are traveling to Mexico.
• We will waive your comprehensive deductible, if you have your damaged windshield repaired instead of replaced.
• We will pay up to $1,000 for a covered loss to a non-owned trailer with a gross vehicle weight of less than 3500 pounds.
• Only one deductible will be applied when a tractor and attached trailer are damaged at the same time.

The ERIE Workers Compensation and Employers Liability policy provides coverage to comply with the responsibilities imposed upon an employer by the Workers Compensation Law of your state.

Workers Compensation

Workers Compensation insurance provides coverage for injury or disease sustained by your employee arising in the course and scope of their employment, regardless of negligence on your part.

Employers Liability

Employers Liability insurance provides necessary protection in the event you negligently cause a work-related employee injury, that is not covered by the workers compensation system.

Other States Coverage

Other States' coverage automatically provides temporary Workers Compensation and Employers Liability coverage for your new operations performed in states other than Nevada, North Dakota, Ohio, Washington, West Virginia and Wyoming.

Claims Settlement

Payment for medical services and compensation for temporary or permanent disability are made promptly as they become due.

Defense Costs

ERIE will defend you in suits brought against you as a result of employee injury. This protection will be provided even if the allegations against your business are not true.

Loss Control Services

Loss control is an integral part of the ERIE philosophy for providing quality service. ERIE's trained Commercial Services Representatives can help your business identify potential causes of injury before they occur. This may possibly result in reduced losses that could help your business save on Workers Compensation costs. Our Commercial Services Representative can also assist you in developing a comprehensive safety program that is tailored to meet the needs of your particular business. This service is free of cost to our policyholders and is available upon your request.

Additional Loss Control Services

• Safety Posters and Handouts
• Cost Reduction Programs
• Fleet Safety Programs
• Hearing Conservation Programs
• Occupational Health Surveys
• Loss Control Program Evaluation
• Industrial Safety Programs
• Safety Training

Sliding Scale Dividend

ERIE offers one of the most competitive dividend plans available in the marketplace. The sliding scale dividend plan pays dividends based on premium size and loss ratio, and reflects ERIE's concern for safety. Like you, we believe safety is a very important part of your business.

ERIE dividends can range form 5% up to 35% based on loss ratio and premium size. This can result in a substantial savings to your business if your loss experience if favorable. The ERIE Sliding Scale Dividend is payable six months after the policy period ends.

Payment Plan

ERIE offers premium payment plans that are designed to meet your Workers Compensation requirement in an efficient manner. There are several different payment plans available, and you can choose the plan that best handles your needs.

ERIE's Business Catastrophe Liability Policy provides excess liability coverage and serves as a financial reserve or cushion against a judgment beyond the limits of your primary liability policies. It also provides coverages not provided by the underlying insurance policies. It does not replace your present automobile, business liability, garage liability or employer's liability coverage, but adds an additional $1 million or more above the protection your primary policies provide, subject to certain exclusions.

In addition, ERIE's policy provides automatic replacement of your primary policies' aggregate protection limits should they become exhausted or reduced by payment of a loss.