Harco prides itself on offering insurance products and services tailored to the unique exposures of medium and heavy-duty truck dealerships. Our policyholders have direct access to the decisions makers in our underwriting, claims, and sales areas. A team approach to customer service means that our policyholders are not limited to a single point of contact with the company. We are all on the customer's team!
We match an enthusiasm and delight in superior customer service with the expertise to deliver it. The average Harco employee has worked for the company for almost 10 years. Our Claims staff totals over 250 years of experience with garage package coverages, and our Underwriting group and Regional Sales Managers are equally seasoned. Longevity like this means we have the knowledge and experience to meet your insurance needs like few other companies.
The personal availability and experience of our staff are backed up by an ever-growing compliment of web services offered to our customers through their MyHarco accounts. We are ready, willing, and able to make the Harco Advantage — innovative products, superior customer service and ever-improving technology — your business advantage!
Product Description
Harco offers a broad, multiple-line package policy for garage operations. Eligible operations include franchised medium- and heavy-duty truck dealerships and franchised truck lease and rental operations.
Standard coverages include the following:
- Property insurance for buildings and contents.
- Physical Damage on owned vehicles
- Liability insurance, including products and completed operations.
- Insurance for customers' vehicles and goods while at the dealership.
- Protection against employee dishonesty, depositors' forgery and other forms of crime.
- Surety bonds, including bid and performance bonds
- An Umbrella policy that provides excess liability insurance under a variety of situations.
- Truck Lease and Rental Insurance if applicable.
Harco prides itself on offering insurance products and services tailored to the unique exposures of auto dealerships. Our policyholders have direct access to the decision makers in our underwriting, claims, and sales areas. A team approach to customer service means that our policyholders are not limited to a single point of contact with the company. We are all on the customer's team!
We match an enthusiasm and delight in superior customer service with the expertise to deliver it. The average Harco employee has worked for the company for almost 10 years. Our Claims staff totals over 250 years of experience with garage package coverages, and our Underwriting group and Regional Sales Managers are equally seasoned. Longevity like this means we have the knowledge and experience to meet your insurance needs like few other companies.
The personal availability and experience of our staff are backed up by an ever-growing compliment of web services offered to our customers through their MyHarco accounts. We are ready, willing, and able to make the Harco Advantage — innovative products, superior customer service and ever-improving technology — your business advantage!
Product Description
Harco offers a broad, multiple-line package policy for garage operations. Eligible operations include franchised automobile dealerships selling new and used vehicles, including their service operations.
Standard coverages include the following:
- Property insurance for buildings and contents.
- Physical Damage on owned vehicles.
- Liability insurance, including products and completed operations.
- Insurance for customers' vehicles and goods while at the dealership.
- Protection against employee dishonesty, depositors' forgery and other forms of crime.
- Surety bonds
- An Umbrella policy that provides excess liability insurance under a variety of situations.
Harco offers the following products to owner operators and trucking fleets:
- Primary Liability, protecting third parties from damage caused by the operation or use of the vehicle.
- Non-Trucking (Bobtail) liability, providing liability coverage while the truck is not under dispatch.
- Physical Damage, covering damage to the vehicle itself.
- Cargo Insurance, covering damage to the goods of others while being hauled by our insured.
- General Liability Insurance, covering any warehousing exposure while the goods of others are being held by the insured.
These products, combined with our excellent claims service, provide a comprehensive program to trucking companies and owner operators.
General Agent
Harco's General Agent for trucker's insurance is National Truck Underwriting Managers.
We encourage agents interested in writing the Harco trucking product, to contact
NTUM through their website: http://www.ntuminc.com/
Harco led the industry in developing a flexible, affordable, rental and lease receipts
reporting program. We currently offer a PC based automated reporting system more
advanced than any in the industry.
We meet the demand for flexibility by offering a rental coverage that can be changed
from primary to contingent based on the insurance available to the renting customer.
A not-rented option controls costs when the vehicle is not rented, and we cap our
insured's costs by providing per-vehicle monthly maximums for contingent or not-rented
coverages.
We provide a comprehensive manual for Lease and Rental managers. We offer prompt,
professional approvals and advice on the insurability of the variety of customers
that want to rent or lease from our insureds, and automated monthly reporting is
available through our MyHarco website.
We are associate members of, and actively support, such national organizations as
TRALA, NationaLease and IdeaLease.
Product Description
Harco's contingent coverage is the broadest in the industry, and its reporting requirements
are among the easiest. Lease and rental receipts insurance is written on a Business
Auto policy, and is offered only in conjunction with the Dealer Package policy.
These are some of the reasons professional lease and rental operations have made
Harco their insurer of choice:
- Harco allows selection of primary, contingent, or not rented coverage on a daily
basis.
- Premiums are based on receipts, which ties insurance charges directly to the productivity
of the truck.
- Coverage is triggered by the lease and rental agreement, rather than by the monthly
report.
- Contingent coverage applies for the lessor/rentor even though the lessee's/rentee's
primary insurance has expired without renewal.
- Harco provides complete administrative manuals that enable the Lease and Rental
manager to extend coverage to many customers without prior Home Office approval.
This description is provided for informational purposes only and does not amend, extend, or alter the terms of any insurance policy issued by Harco.