Together, we are facing a truly unprecedented situation. The global coronavirus pandemic is affectingall of our families, our businesses, our communities, and our way of life. During this time, I wanted to reachout and update you on how we are approaching the situation at American Team Managers Insurance Services (ATM).
First and foremost, our hearts go out to anyone who has been impacted by the virus, either directly or indirectly. Our thoughts are especially with those who are sick, to whom we extend our heartfelt wishes for a full recovery. We are truly thankful for and inspired by the selfless healthcare workers around the world who are on the front lines working tirelessly to care for people in need.
Second, at ATM we are focused on the health and safety of our employees, families, and communities. Effective immediately, in addition to educating our employees on COVID-19 symptoms and healthy safety practices to reduce the possibility of infection, most ATM employees are equipped to work remotely and will be doing so until further notice. While it is a complex shift to make on such a large scale, we are committed to working closely with our employees and clients to execute this shift as smoothly as possible and to strive to deliver the highest levels of performance, service, and availability. You can continue to contact ATM staff by email or leave a message on their voice mail. ATM’s employees will respond promptly.
Our employees will comply with our regular office hours which will remain 8:00 a.m. to 5:00 p.m. PST. Inaddition to the day-to-day supervision and guidance, ATM managers will speak with ATM employeesa minimum of once per day by phone. With structured weekly meetings by phone, we ensure our teamsare working towards our common goals of excellent performance, service, and availability.
Third, even as we deal with this pandemic, ATM remains focused on your customer’s insurance needs. While all our businesses are in uncharted territory, we want to let you know that we have an amazingteam at ATM and we are here for you. We will continue to quote, bind and provide customer serviceactivities during this temporary situation. We will continue to operate at full capacity. As your partner,we have taken the steps to safeguard our level of service. As this situation continues to evolve, we willkeep you advised of any significant changes to our operations.
This moment reminds us that we are all connected like never before. We are called upon to be our bestselves, with patience, understanding, and compassion. On behalf of all of us at ATM, we are committed to being your partner and persevering together in all the days and years ahead.As we go forward, we will be sure to keep you updated as the need arises, and know that we always value your questions, ideas, and feedback.
Sincerely,
Bryson Eastwood,
Chief Operating Officer
FAQs
The truth is that auto liability insurance may not be enough to cover a business owner who wants to protect their livelihood from bills they can't possibly pay, and general liability insurance coverage will not extend to more specialized claims.
What is the difference between general and liability insurance? ›
Only general liability insurance can spare your business from lawsuits over a visitor slipping and falling on your commercial property. And only professional liability insurance can shield you from the high cost of alleged professional mistakes that cause a third party financial losses.
What is the difference between full coverage car insurance and liability car insurance? ›
What Is the Difference Between Liability and Full Coverage? Liability car insurance only covers damages to other vehicles or injuries to other people when you're driving. Full coverage insurance includes liability coverage along with other types of insurance to protect not only others, but also yourself on the road.
What is the difference between comprehensive and general liability insurance? ›
You may have also seen “comprehensive” general liability insurance. So what's the difference? We'll let you in on a little secret: Comprehensive general liability and general liability insurance are the same thing. That's the short answer.
What does auto and general liability cover? ›
Liability Coverage is for accidents that are your fault. Bodily injury liability pays for bodily injury you cause someone else. Property damage liability pays for property damage you cause someone else. California law requires you to have this coverage.
What does general insurance include? ›
General insurance covers home, your travel, vehicle, and health (non-life assets) from fire, floods, accidents, man-made disasters, and theft. Different types of general insurance include motor insurance, health insurance, travel insurance, and home insurance.
What does general liability insurance typically cover? ›
General liability insurance policies typically cover you and your company for claims involving bodily injuries and property damage resulting from your products, services or operations. It may also cover you if you are held liable for damages to your landlord's property.
Is general liability fully insured? ›
Be aware that general liability insurance doesn't cover every kind of claim. For some, you'll need different types of coverage to give your business more protection. A general liability insurance policy won't help your business with: Commercial auto accidents that you or your employees cause while driving for work.
Is general liability insurance an expense or liability? ›
General liability insurance is usually tax-deductible because the IRS considers your policy payments to be a business expense. Keep track of all the payments you make toward your policy, as that will be important when you file your taxes at the beginning of the year.
Should I keep full coverage on a 10 year old car? ›
Between 10 and 15 years after a vehicle's model year, full coverage is a poor investment. While the cost of full coverage by itself likely won't be more than what a car is worth, the cost of insurance is more likely to be higher than the value of the car after an accident.
Full coverage car insurance is more expensive than a liability only policy. Another downside is that your premiums may increase after filing claims after a covered event. You can reduce costs by figuring out how much coverage you actually need.
Why is full car insurance so expensive? ›
A full-coverage policy costs two and a half times more than one with minimum liability coverage only. That's because full coverage typically includes comprehensive and collision insurance. These coverages pay to repair or replace your car if it is damaged.
What is comprehensive insurance same as full coverage? ›
The difference between full coverage and comprehensive insurance is that a full-coverage insurance policy includes liability, comprehensive and collision coverage. Comprehensive insurance covers damage to a car from things other than road accidents.
Why do people get cross liability coverage? ›
When an insurance contract covers multiple parties, cross-liability provides coverage for both parties if one makes a claim against the other. Cross-liability coverage treats the different parties—covered under the same contract—as if they have their own separate policies.
Why is it called general insurance? ›
Definition: Insurance contracts that do not come under the ambit of life insurance are called general insurance. The different forms of general insurance are fire, marine, motor, accident and other miscellaneous non-life insurance.
What is general insurance in simple terms? ›
General insurance is an agreement between a policyholder and insurer wherein the insurance company protects your valuable assets from fire, theft, burglary, or any other unfortunate accident. Often, general insurance is confused with life insurance. But, the two terms have vast differences.
Why is the general so expensive? ›
The General is so expensive because it specializes in covering high-risk drivers, who are more likely to file a claim than the average person. At $1,186 per year, the average policy from The General is much more expensive than the national average of $671 per year for a policy with minimum coverage.
Is general insurance mandatory? ›
Please note that having a comprehensive cover for one's vehicle is not compulsory (but recommended), however, carrying at least a third party car insurance is mandatory as per this act.
