North American Capacity - This program has been with Combined since January 2008. If offers a Combined Single Limits option from $1,000,000 to $25,000,000 per Employee, per Occurrence, with a SIR (Self Insured Retention) option from $1,000 to $5,000,000. The policy has a $25,000,000 aggregate and the limits for wage replacement/disability is either 156 or 260 weeks.
North American VIP - Under the VIP policy, all covered benefits (medical, disability, and legal liability) must be incurred during the maximum coverage period of the policy and must be subsequently PAID and submitted within 90 days thereafter. This time period will be either 104 or 156 weeks, depending upon the coverage selection by the insured. This policy offers Combined Single Limits option of 500,000 to 1 million and SIR options of $1,000 to $100,000. Similar to the CEI product, this is also a non-admitted product with a $15,000,000 aggregate.
American Fidelity Occupational Accident (AFO) - This is an admitted product that provides medical, disability, accidental death & dismemberment coverage. It has an aggregate policy limit of 10 million and includes an SIR option from $1,000 to $250,000. This policy offers an expanded class code selection that includes trucking. In order to obtain a quote, your agency must be licensed with American Fidelity and maintain a current General License - LAH (Group I). Please click here to obtain the application.
Note: Policy language supersedes all interpretations shown above.