a partial list of three generations of service insurance ...€¦ · personal lines customer...
TRANSCRIPT
Three Generations of Service Our people are the reasonyou will like doing businesswith us.
˜ William H. Gallina, MBAAgency Principal, [email protected]
˜ Kathleen A. BartonPersonal Lines Customer Service, [email protected]
˜ Barbara J. BradfieldInformation [email protected]
˜ Barbara P. MekonisCommercial Lines Customer Service, [email protected]
˜ Cindy A. PaskoCommercial Lines Underwriting, [email protected]
˜ Michele ReaAccount Executive, [email protected]
˜ Andrew C. GallinaAccount Executive, [email protected]
˜ Elizabeth A. GallinaOffice Manager, Accounting, [email protected]
˜ Samantha J. GallinaMarketing & Public [email protected]
˜ William H. Gallina, Esq.Counsel, Account Executive,[email protected]
A Partial List ofINSURANCE COMPANY AFFILIATIONS ... We can be judged by the company we keep
˜ Travelers Insurance Group
˜ Safeco Insurance Company
˜ State Auto Insurance Company
˜ Donegal Mutual Insurance Group
˜ Great American Insurance Company
˜ Middle Oak Specialty Insurance
˜ Progressive Insurance Company
˜ Allied Insurance Company
˜ Merchants Insurance Group
˜ Greater New York Insurance Group
˜ Western Surety
˜ The Hartford Insurance Company
INDEPENDENTINSURANCEAGENTS
We work for YOU,not for the insurance company. We recommendcarefully selected, financially sound insurancecompanies that are able to provide you with thebest coverage at the best price.
Our role is to work on your side, especiallywhen you suffer a loss, to make sure youreceive a prompt, fair claim settlement.
GALLINA and SONS Association Insurance Experts 1269 Washington Pike ˜ Bridgeville, PA 15017 Voice: 412-221-7010 ˜ Fax: 412-221-7035 E-mail: [email protected]
Summary of Insurance Coverages
Freedom Crossing Condominium
Freedom Crossing CondominiumUnit Owner Policy Information
Under Pennsylvania law, a condominium association’sinsurance responsibilities are divided between theassociation and the unit owner. The law requires theassociation to purchase insurance for all common propertyat the associations and for the units themselves. The unitowner is responsible for purchasing insurance for anyimprovements made to the units at any time since it was firstbuilt and for the unit owner’s personal property.
Your board of directors has met the association’s insuranceobligations by purchasing a Master Policy underwritten bythe Travelers Insurance Company. It is this policy thatprovides coverage for your unit, including exterior andinterior walls, built-in appliances and cabinets, and anyother property that forms a part of the real estate.
But the Unit Owner is responsible to purchasecoverage for any improvements made to the unit,the unit owner’s personal property, and the unitowner’s personal liability. This responsibility is metby purchasing a Unit Owner’s Policy (commonlycalled a Form HO-6).
The association master policy is subject to a $5,000deductible. Under certain circumstances, the board maymake a resident responsible for the master policy deductible. If the deductible should become the unit owner’sresponsibility, it will be paid by either the BuildingCoverage or Loss Assessment Coverage portion of the unitowner’s policy, depending on the nature of the loss. Becertain your policy contains a minimum of $10,000 ofBuilding Coverage and $10,000 of Loss AssessmentCoverage to cover this exposure.
Most insurance agents have not been trained in the specialinsurance needs of association living and so may not knowhow to tailor your unit owners policy to match the coveragesprovided by the master policy.
Gallina and Sons specializes in association insurance andour personal insurance agents are specially trained in theunique insurance challenges of association living. Ouragents would be happy to assist you with all of yourpersonal insurance needs or to provide instructions to yourcurrent agent if he or she is not specially trained inassociation insurance.
Your Unit Owners Policy should includethe following coverages:
T At least $10,000 of Real Property coverage. This coversthe master policy deductible if the loss arises in yourunit and any improvements it is your responsibility toinsure. The limit should be increased to match the fullvalue of any improvements it is your responsibility toinsure.
T Personal Property coverage. This covers your personalbelongings, including furniture, clothing, electronics,and other movable property. Your limit should be highenough to replace all of your personal belongings. Claims should be paid on a Replacement Cost basis.
T Loss of Use coverage. This covers expenses you mayincur because of a loss suffered to your property,including the cost to secure other lodgings while repairsare made to your home.
T Personal Liability coverage. This coverage protects youif you are responsible for an injury to another person ordamage to someone else’s property. You shouldpurchase at least as much liability coverage as you haveassets to protect.
T At least $10,000 of Loss Assessment coverage.
Because you live in an association, you mayoccasionally be required to pay your share of anuncovered loss, sometimes including your share of themaster policy deductible. Loss assessment coveragewill pay this amount on your behalf.
T Personal Injury coverage. Because you are a memberof an association, you may be upon to vote atmeetings, give your opinion about associationgovernance, or enforce association rules. Theseactivities can give rise to defamation or invasion ofprivacy claims against you not covered by ahomeowners policy without Personal Injury coverage.
T Volunteer Acts coverage. A necessary companion toPersonal Injury coverage and the association’sDirectors and Officers Liability coverage, VolunteerActs coverage provides legal defense andindemnification for suits brought against you forwrongful acts you may commit when volunteeringyour time at the association.
SAMPLE UNIT OWNERS POLICY for a Freedom Crossing Resident
˜PROPERTY COVERAGES ($500 Ded)Real Property Coverage . . . . . . . . . . . . . . . $10,000Covers improvements made to the unit
Personal Property Coverage . . . . . . . . . . . . $100,000Replacement Cost Coverage for your contents
Loss Assessment Coverage . . . . . . . . . . . . . $10,000For uncovered association losses
Loss of Use Coverage . . . . . . . . . . . . . . . . . . No LimitCoverage for extra expenses due to a loss
˜ LIABILITY COVERAGESPersonal Liability . . . . . . . . . . . . . . . . . . . . . $300,000Legal liability to others for injury or damage
Medical Payments . . . . . . . . . . . . . . . . . . . . . $5,000Accidents at home or through non-business activities
˜ COVERAGE LIMITS FOR THEFT LOSSESMoney and Securities . . . . . . . . . . . . . . . . . . . $2,500Jewelry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,500Firearms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,500Silverware . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,500Watercraft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,500Trailers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,500Business Property . . . . . . . . . . . . . . . . . . . . . . . $2,500
˜ SPECIAL COVERAGES ADDITIONSPersonal Injury Coverage . . . . . . . . . . . . . . . IncludedVolunteer Acts Coverage . . . . . . . . . . . . . . . . IncludedTheft Extension . . . . . . . . . . . . . . . . . . . . . . . IncludedDebris Removal . . . . . . . . . . . . . . . . . . . . . . . IncludedIdentity Theft . . . . . . . . . . . . . . . . . . . . . . . . . IncludedHome Computer Coverage . . . . . . . . . . . . . . IncludedBackup of Drains and Sewers . . . . . . . . . . . . . . $5,000Fire Department Charges . . . . . . . . . . . . . . . . . $1,000Reward . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,000Refrigerated Products . . . . . . . . . . . . . . . . . . . . . . $500
Estimated Annual Premium:$150 - $250
Rev: 06/10