Commercial
Insurance

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The Thomas M. Frick Insurance Agency offers a variety of insurance packages to meet your business insurance needs. Please click on the appropriate insurance package below to learn more.

Ultra Group Life Insurance


UltraFlex for Plumbers


UltraPack


Commercial Auto


Data Processing Coverage


Wholesalers Erieplaceable Enhancements


Fivestar for Electrical Contractors


Ultra Group Term Life Insurance
No matter what kind of business you're in, it's people, not machines or buildings, that are ultimately responsible for the success the business achieves. Employees are the most important asset in any organization. Business owners in today's highly competitive environment recognize the importance of attracting and keeping good employees. Providing group life insurance as a benefit can be a key factor in achieving that goal. Employees value life insurance as a benefit. Regardless of the number of workers you employ, Erie Family Life Insurance Company has a product designed to cover all of your employees and provide you with just one simplified bill. Two of our Group Term Life Insurance programs are described below.

Ultra Group 2

Ultra Group 2 is group term life insurance from Erie Family Life for businesses with two to nine employees. The amount of insurance protection can range from $10,000 to $100,000 per life, depending on the benefit schedule you select. For groups with five or fewer employees, the maximum per life is $50,000.

Waiver of Premium Benefit (optional): Under certain circumstances, insurance protection will continue with no premium payment necessary for a covered employee who becomes totally disabled before age 65.

Accidental Death Benefit (optional): If this benefit is included in your group contract and the insured employee dies as a result of an accident as defined in the policy, Erie Family Life will pay the beneficiary an additional amount equal to the life insurance benefit.

Continuation of Coverage: Upon termination of employment, ownership of the life insurance policy can be transferred from the employer to the employee.

Conversion Coverage: under this program ceases at age 70, at which time the employee may convert his/her coverage to any permanent plan of insurance offered by Erie Family Life for group conversions.

Settlement Options: Beneficiaries can select from a broad range of settlement options including lump sum, interest only, installment payments, or a lifetime income

Ultra Group 10

Ultra Group 10 is group term life insurance from Erie Family Life for businesses with 10 or more employees. The amount of insurance protection can range from $10,000 to $150,000 per life, depending on the benefit schedule you select.

Waiver of Premium Benefit (optional): Should a covered employee become totally disabled for more than nine months, insurance protection will continue with no premium payment necessary for that individual. As long as the disability continues, the insurance remains in effect up to age 65 as if the premium were being paid.

Accidental Death and Dismemberment (optional): If this benefit is included in your group contract and the insured employee dies as a result of an accident, Erie Family Life will pay the beneficiary an additional amount equal to the life insurance benefit. In addition, if the insured loses a hand, foot, or the sight of an eye as the result of an accident, Erie Family Life will pay one-half the life insurance benefit for a single loss or the full benefit for any combination of multiple losses.

Dependent Coverage (optional): If dependent coverage is included in the group life contract, each covered employee can elect coverage for their dependents.

Conversion: Upon termination of employment, a covered employee may convert all or part of their life insurance coverage to an individual policy, without evidence of insurability.

Settlement Options: Beneficiaries can select from a broad range of settlement options including lump sum, interest only, installment payments, or a lifetime income.


Plumbers: What's on Tap?
If your current business insurance leaves you feeling drained, maybe it's time to check out what ERIE has on tap for plumbing contractors. Erie Insurance offers the Ultraflex Package Policy, which includes an excellent combination of property and liability coverages to meet the needs of plumbing contractors. You also may want to consider some of the optional coverages that Erie Insurance offers to plumbing contractors, such as:

the Voluntary Property Damage Endorsement,

the Broad Form Specified Property Endorsement ,

the Installation coverage Endorsement,

the Contractors Erieplaceable Enhancement Endorsement, which includes voluntary Property Damage, Tools and Equipment Coverage and Installation Coverage, plus increased and additional limits on some other very important coverages for contractors.

We also may be able to provide you with competitively priced Business Catastrophe Liability and Commercial Auto Coverages. So, if you're interested in finding out more about what ERIE has on tap for plumbing contractors, contact the Thomas M. Frick Insurance Company today!

Ultrapack: Look what's Blossoming at ERIE!
Whether your floral business is just budding or fully in bloom, ERIE Insurance can provide you with coverage you need at an affordable price. You'll find a bouquet of coverages for your property, liability and income protection needs found in ERIE's Ultrapack Business Policy. Just a few of the "extra protection features" you'll find in the Ultrapack Policy are:

Coverage for Merchandise in Shipment

Coverage for Refrigerated Products

Coverage for loss to your Business Personal Property resulting from Temperature Change o
Coverage up to $25,000 for Accounts Receivable

Coverage up to $25,000 for Valuable Papers and Records

Coverage up to $5,000 for Exterior Signs, Lights and Clocks

Coverage up to $15,000 for Electronic Data Processing Equipment
With all this coverage, you'll still find that the cost of insurance doesn't have to be a thorn in your side.

So, if you're looking for a great insurance buy for your business, ERIE's Ultrapack Policy is something that might really grow on you!

Pioneer Commercial Auto Insurance
Erie Insurance Group offers the Pioneer Commercial Auto Insurance Policy, a comprehensive package of protection for successful businesses like yours. It's another example of the pioneer spirit that has made Erie a top-rated company for over 70 years. Designed to meet the specific needs of many business operations, this policy can be written in conjunction with many of the Erie group's business property coverages, which will provide you with a complete protection package for your business. The Pioneer Commercial Auto Insurance Policy may provide coverage for owned, hired, non-owned, temporary substitute, and newly acquired autos, as well as light trailers.

Many extra protection features are also available at no additional cost:

Extended physical damage coverages,

Lawyers fees up to $50 per day and loss of earnings up to $100 per day in certain circumstances,

Bail bond up to $500,

Coverage of all expenses necessary to return your stolen auto (if comprehensive coverage is purchased),

Transportation expenses up to $20 per day,

Reimbursement of additional expenses up to $75 per person under certain circumstances.

Optional coverages are also availailable.