HMIG Product Development Updates

January 9, 2023

EXPANDED ENVIROPACK COVERAGES

Including an Option for Premises Only

We have expanded our EnviroPack Insurance Coverage offerings. As you know, we started adding EnviroPack on eligible Contracting BOP and Liability policies as an opt-out coverage within the last year.

For our eligible Contracting risks, we now have incidental office, permanent yards, storefronts, and LOR exposures in addition to eligible Contracting classifications.

Eligible contracting risks have the option for all three coverages: Premises Pollution, Contracting Pollution, and Contracting Professional Liability.

Listen to Product Development Specialist, Charmian Hess explain more about EnviroPack.

EnviroPack for PREMISES ONLY

Agent Flyer

EnviroPack PREMISES ONLY

Insured Flyer

Starting in February 2023 (New and Renewal policies) we will offer opt-out coverage for Premises Pollution for numerous other classes of business. We will roll on $50,000 Premises Pollution on the EnviroPack Insurance Endorsement.

While most classes are eligible, the following classes are excluded industry classes: Drycleaners, Manufacturing, Gas Stations, Entities that sell petroleum products, Land including Farm/Ag Risks, Healthcare, and Warehouses.

All EnviroPack flyers can be found on the Agent Portal in the Agent Material Library.

ADDITIONAL PRODUCT DEVELOPMENT UPDATES

AUTO CHANGES

Effective December 1, 2022, we adopted the ISO (11/2020) editions on many Auto endorsements, including CA0001 Business Auto Coverage Form.

Refer to the COMMERCIAL AUTO MULTISTATE FORM REVISIONS ADVISORY NOTICE TO POLICYHOLDERS, CAMS0001 1222, for all coverages and changes.

WE LISTENED TO YOU, our agency partners, and made improvements to our Auto Additional Coverage Endorsement Plus (Auto ACE Plus).

CAHG0027 and CAVA0027 have been broadened to add Accidental Airbag Discharge Coverage, Drive Other Car Liability Coverage for Executive Officers, and expanded the Towing to apply to all types of “autos”.

Refer to the COMMERCIAL AUTO ENHANCEMENT ENDORSEMENTS - ADVISORY NOTICE TO POLICYHOLDERS, CAMS0002 1222, for all coverages and changes.

COMMERCIAL CONDO D&O

Effective January 1, 2023, our Condominium Directors and Officers coverage has been expanded to include Commercial Condominiums in addition to Residential Condominiums.

Both are now available under BOP and Package policies. You can rate the BOP Commercial Condominiums online. BOP D&O coverage selection can be found on the Policy Coverages tab. The D&O questionnaires can be found on the Agent Portal in the Agent Material Library.

Look for more exciting Product Development updates in the coming months.

Insuring opportunity through mutual success.^®