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Coverages
Auto Physical Damage
Optional coverage which protects the member’s leased or owned scheduled vehicles as well as short-term rentals for physical damage. Members decide to cover their scheduled vehicles for either Actual Cash Value or Replacement Cost Coverage.
Crime and Fidelity
Optional coverage to protect members from a loss of money, security, or other property due to theft including computer fraud, funds transfer fraud, forgery, etc.
Cyber
Coverage provided to all members. The Cyber policy includes coverage for data breach and related expenses such as notification and credit monitoring, bricking, cyber extortion, ransomware, etc.
Equipment Breakdown
Optional coverage for loss due to mechanical or electrical breakdown for scheduled property locations.
Liability
WCIA provides Liability coverage to all members. This includes General Liability, Automobile Liability, Stop-Gap Coverage, Errors or Omissions Liability, Employee Benefits Liability and Employment Practices Liability Coverage. WCIA’s coverage starts at dollar one; however, members have the option of having a Liability deductible.
Pollution Premises Liability
Coverage provided to all members. The Pollution policy covers member scheduled locations for indoor/outdoor environmental pollution, including remediation costs, such as investigating, removal, disposal, and cleanup.
Property
Optional coverage which protects the members scheduled property items and locations for covered losses such as fire, earthquake and flood.