Frequently Asked Questions
What is GPEL Insurance?
GPEL Insurance provides you and your eligible family members with additional liability protection if a lawsuit exceeds the insurance coverage provided under your automobile, homeowners, tenant, and recreational vehicle or watercraft insurance policies. GPEL insurance also covers personal injury suits, such as libel, slander or defamation of character.
What does it cover?
GPEL covers the judgment and settlement amounts as well as all defense costs associated with liability claims. It will pay the defense costs, whether the claim proves to be valid or not. In addition, coverage is afforded for the employee and the occupants of the employee’s vehicle for injuries sustained in an accident with an uninsured or underinsured motorist.
Who is eligible to enroll?
All US benefits eligible employees are eligible to enroll.
Are my family members covered?
Your spouse, domestic partner and any relative who lives with you or any other person who lives with you, is under 25 and is in your care or your spouse /domestic partner’s care.
Are there any underlying requirements for being able to purchase this coverage?
The GPEL Plan requires you carry the following primary insurance and pays only after your primary insurance policy limits are exceeded.
- Personal Liability (Homeowners) for personal injury and property damage; minimum amount of $300,000 each occurrence.
- Registered vehicles: $250,000 per person/$500,000 per occurrence for bodily injury and $100,000 for property damage; or $300,000 per person/$300,000 per occurrence for bodily injury and $100,000 for property damage or $300,000 combined single limit each occurrence.
- Unregistered vehicles: $300,000 for bodily injury and property damage each occurrence.
- Registered Vehicles with less than four wheels and motorhomes in the minimum amount of:
$250,000 per person/$500,000 per occurrence for bodily injury and $100,000 for property damage; or $300,000 per person/$300,000 per occurrence for bodily injury and $100,000 for property damage or $300,000 combined single limit each occurrence.
- Watercraft less than 26 feet and less than 50 horsepower: $300,000 each occurrence.
- Watercraft 26 feet or longer or more than 50 horsepower: $500,000 each occurrence.
- Uninsured/Underinsured Motorists’ protection: $250,000 per person, $500,000 and $100,000 for property damage; per occurrence for bodily injury or 300,000 per person/$300,000 per occurrence for bodily injury and $100,000 for property damage or $300,000 combined single limit occurrence.
The GPEL Plan will pay an approved loss even if you do not carry underlying coverage, but the underlying limits must first be paid by you or through other insurance and will not be covered by the GPEL Plan.
Who is the insurance Carrier for this coverage?
The GPEL is insured by Federal Insurance Company “CHUBB”.
Can I keep my current umbrella policy in effect if I participate in the WPP GPEL program?
Yes. The GPEL is always in excess of any other collectible insurance.
How much is the premium?
Premiums are payroll deducted and are based on the amount of coverage you select. Refer to the coverage amounts and corresponding rates on the open enrollment site.
Can I pay in installments?
Premiums are payroll deducted
When is coverage effective?
The policy period is January 1 – December 31 each year. If a new hire, coverage will be effective the first of the month following your date of hire. Your annual premium will be pro-rated accordingly.
What happens if I retire?
You may not continue the coverage in the group program. Your coverage will end the date of your retirement.
What happens if I terminate?
Your GPEL Plan coverage will end effective your termination date.
What if I have a claim?
To report a Claim, please call Chubb directly (24 hours) at 800-252-4670 OR send them an email notification at cscfnol@chubb.com and copy Gallagher at GGB.WPPGPEL@AJG.COM
Who can I contact with questions?
Call Antonietta Ruggiero from Arthur J Gallagher Risk Management Services Inc. at (212) 994-7076 or send an email to GGB.WPPGPEL@AJG.COM