PRODUCT & SERVICE HIGHLIGHTS

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Convenient services and insurance products to help customers feel secure. Creating effortless, personal, respectful and responsive customer experiences.

Convenient service

Roadside Assistance Penn National Insurance has partnered with Agero® to provide roadside assistance services to our Personal Auto customers. Agero is a leader in digitization of roadside assistance services, safeguarding over 115 million drivers each year.

Roadside Assistance is a 24/7 service that will replace our current Towing and Labor endorsement and includes the following services:

  • Emergency towing services – Disabled car will be towed to the nearest qualified service or repair facility
  • Roadside fuel and fluid delivery – Provider will deliver up to 2 gallons of fuel and the fluids required to operate the covered auto, if the vehicle becomes disabled as a result of a loss of essential vehicle fluids
  • Flat tire change – Includes removal of flat tire and replacement with usable spare from the vehicle
  • Lockout assistance – Applies to keys that are lost, stolen or locked inside of the vehicle
  • Roadside winching

Policyholders will be able to request roadside assistance by calling our Customer Contact Center and selecting the Roadside Assistance prompt. A link-to-call will also be available on our mobile app and website. Once connected, the policyholder has the option to proceed electronically through text or talk to a Roadside Assistance representative.


Claim Status Alerts

Claim-tracking status alerts, with email or text message option. Just like UPS and Amazon providing status alerts about package deliveries, we offer status alerts that provide real-time updates on claims from start to finish. Our alert service sends email or text status notifications, depending upon the customer’s preference. Status notifications categories include: claim received, adjuster assigned, appraiser assigned, payment status and claim completed.

Customers can register for status alerts when reporting a claim on our website or by contacting our Customer Contact Center by phone.

Click here to watch a video about the Claims Status alerts



Expanded protective device discounts for smart home technology

Our homes are smarter than ever, thanks to continually improving technology that allows us to be virtually at home even when not physically there. Various devices and fixtures can address particular issues, such as a smart thermostat to monitor and adjust your home’s temperature remotely or an automatic water shutoff valve that shuts down the water supply to your home if a leak is detected. Some of these devices are now capable of multiple functions.

To recognize the additional protection that these devices provide to a home, our protective device discounts have been expanded to include a premium discount when the following devices are maintained in the home.

  • Video Doorbell
  • Wi-Fi Thermostat
  • Water Sensors
  • Whole House Generator
  • Security Cameras
  • Wi-Fi Smoke Detectors
  • Multi-Function Home Sensors
  • Automatic Water Shut Off

Making it easy and faster to sign Personal Insurance documents

Offering this option removes the burden and time delay of printing, signing and returning paper, and it saves trees.

eSignature is another way we make our customers’ experience effortless and responsive. Applicants can complete and sign documents in minutes anywhere, any time. And, for our agents, eSignature saves them time and reduces paper costs.

Data analytics benefits virtually every aspect of our business.

Data Analytics

We continue to make significant investments in predictive analytics, and the results benefit virtually every aspect of our business and our customers.

Our analytics initiatives support a much more objective and fact-based decision-making process across our organization, helping to fuel product innovation and enhance pricing accuracy.

We were among the earliest insurance carriers to invest in advanced analytics, starting back in 2006. Since then, we have deployed many analytics models across our entire enterprise to help guide decision making, including Personal Lines Underwriting, Commercial Lines Underwriting, Premium Audit, Financial, Risk, Distribution, and Claims management.

Innovative products

Underground Utility Line option adds valuable home protection.

Our underground utility line coverage helps our policyholders feel secure, knowing they are protected if a water or sewer pipe breaks outside their home.

Our Underground Utility Line option offers protection from certain expenses associated with water or sewer pipe breaks outside the home. When purchased with an existing Homeowners PennPac endorsement, policyholders gain substantial protection from the high costs that can be associated with repairs for the failure of an underground utility line caused by:

  • Freezing
  • Wear and tear
  • Collapse (but not including earth movement, sinkhole, landslide or any other naturally occurring earth movement)
  • Deterioration
  • Trees, plants and shrubs including their roots
  • Digging, burrowing or excavating
  • Animals

This endorsement provides protection for items including exterior underground conduits, tubes, piping, wiring or cables that provide services to the residence, including:

  • Electrical, Television, Internet, or Telephone services
  • Heating, Water
  • Disposal of waste, drainage


Expanded Errors & Omissions portfolio of products


We continued to expand our Errors & Omissions (E&O) portfolio to include Manufacturing, Mechanics and Contractors E&O. These value-added, affordable coverages extend coverage for certain losses that are typically excluded on underlying policies.

Contractors E&O endorsement protects contractors from a claim made for damages they are legally obligated to pay as a result of a negligent act, error or omission, or defect in materials or in a product sold or installed. Manufacturers E&O endorsement extends General Liability coverage for manufacturers for “damages” resulting from a “wrongful act.” Mechanics E&O extends coverage on BOP, Auto Dealers or General Liability policies to provide coverage for property damage to a faulty product or faulty work, when it causes damage to a customer’s vehicle.

Commercial Lines Telematics

Support for business insurance customers’ investments in telematics. We can offer financial support for select business insurance customers’ investments in telematics, through our Safety Grant program. The application of telematics can enhance on-the-job safety and commercial auto fleet safety.

Pay As You Go

Our Pay As You Go option aligns Workers’ Compensation premium with fluctuating coverage needs.

Since Workers' Compensation premium is based mainly on payroll, which fluctuates during a policy term, our automated Workers' Compensation billing option aligns premium with coverage needs, offering the following benefits:

  • Matches premium payments to actual payroll
  • Improves cash flow for businesses
  • Offers automatic premium withdrawals
  • Delivers a more efficient and accurate audit processes due to real-time premium calculations
  • Offers a lower down payment
  • Eliminates paperwork for subsequent renewals

Click to download Frequently Asked Questions about Workers' Compensation PayGo

Cyber Security Insurance

With our Cyber Security Insurance protection, we address one of the fastest growing risks for today's businesses. Our Cyber Security Insurance protection provides first- and third-party liability coverage for eligible expenses and exposures associated with a data-breach incident, such as notification of a breach and remediation services afterward.

Protecting against the increasing threat of cyber crime

We include both proactive services to help minimize the occurrence of a data breach and post-breach services to provide expert assistance if one occurs. Data-breach protection and remediation services include:

  • Data-breach counseling
  • Crisis management
  • Notification assistance
  • Remediation planning
  • Evidentiary support
  • Online resources for proactive data-breach assessment and planning
Experts agree that it is not a matter of if a data breach will occur, but when, putting all businesses — large and small — at risk. And small to mid-size businesses are the most vulnerable to a data breach.

Click to download Frequently Asked Questions about Cyber Liability Insurance

3 reasons to have Cyber Security coverage

1

Value-add online proactive resources, including data breach risk assessment tools

2

Immediate response from expert data breach consultants

3

Affordable premium

...that’s what a business that doesn’t have Cyber Coverage will pay for data breach services.

74%

of small and mid-size businesses were targeted by cybercrime

Extra business insurance protection options with PennPac endorsements.

We offer extra business insurance protection options with PennPac endorsements for a variety of business insurance categories. Recent enhancements to PennPac endorsement options for our Business Owners Program include:

  • Appurtenant Structures
  • Lock Replacement
  • Outdoor Fences
  • Outdoor Property (not fences)
  • BI Dependent Properties
  • Employee Dishonesty
  • Forgery/Alteration
  • Laptop/Mobile Phones
  • Personal Effects
  • Salespersons Samples
  • Money Orders/Counterfeit Money
  • Supplementary Payments
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