Employer's Liability and Personal Accident coverages are subject to tariff rating. Check policy cancellation provisions of each policy. Brokers are generally not allowed to deal with direct business.
Cessions differ according to class of business.
Changes are being made so local inquiry suggested. Hail, windstorm, typhoon, flood. A special perils endorsement is available. Property Damage - not compulsory. Coverage applies to the Insured and any licensed individual driving with the Insured's permission.