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 and information options

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

Easy access to Auto insurance ID cards.

Policyholders can get another copy of their Auto insurance ID card several ways:

  • Speak to a Customer Contact Center representative to order a copy by email or fax
  • Call our Customer Contact Center and respond to an automated voice prompt to order a card
  • View and print the card online by logging in to our Online Insurance Center or using our mobile app.

More self-service and personal-service options. Our Customer Contact Center representatives can provide information about policies and billing. Our phone system also offers automated voice prompts that handle information requests without the need to speak to a representative. This includes extensive policy and account information, with facts about the policy effective date, last payment, next payment, total premium, outstanding balance, payment plan and notice of cancellation. We also offer that same information on our website, and billing and other policy information on our mobile app.

Callers can also ask our phone representatives for assistance with premium payments by phone, or use the phone system’s automated prompts to enter checking account information to make a payment without requiring personal assistance.

Customers can report a claim by phone, on our website or using our mobile app.

We offer eSignature, to make it easier and faster for our customers to sign personal insurance documents.

eSignature makes signing personal insurance documents fast and easy.

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 service 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

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/Cellular phones
  • Personal Effects
  • Salespersons Samples
  • Money Orders/Counterfeit Money
  • Supplementary Payments
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