Commercial Auto

PREFERRED COMMERCIAL AUTO PROGRAM – ADMITTED & “A” RATED
Coverage   ISO Business Auto coverage Form CA 0001-0306 ISO Endorsements / Enhancement Endorsement
Eligible Risks   Contractors, Retailers, Wholesalers, Manufacturers < Symbols 7, 8 & 9
Vehicle Size   Light to Extra Heavy Truck-Tractors
Radius   Local & Intermediate (Maximum Radius 200 Miles)
Driver Age   18
MVR Qualifications   Maximum: 2 Minor Moving Violations with No At-Fault Accidents OR
Per Driver   1 At-Fault Accident with No Moving Violations
Private Passenger   YES - Subject to Vehicle Value & Ineligible List
Vehicles   Must be registered to the business
Submission   Acord 125 & 127, Drivers List with Current MVR’s, Vehicle VIN Numbers, 4 Years Loss Runs
Liability Limits   300,000 CSL; 350,000 CSL; 500,000 CSL; 600,000 CSL; 1,000,000 CSL
Medical Payments   500; 1,000; 2,000; 5,000
Uninsured Motorist Limits   50,000 CSL; 60,000 CSL; 100,000 CSL; 250,000 CSL; 300,000 CSL 350,000 CSL; 500,000 CSL; 600,000 CSL; 1,000,000 CSL
Physical Damage   Actual Cash Value - Rating Basis
Limit   Up to $250,000 Vehicle cost New for Trucks
Up to $65,000 Vehicle cost New for Private Passenger
Comp/coll Deductible   250; 500; 1,000
Non-Owned &   Liability - 300,000 CSL; 350,000 CSL; 500,000 CSL; 600,000 CSL; 1,000,000 CSL
Hired Auto   and up to 50,000 Physical Damage
Drive Other Car   YES (No physical damage)
Waiver of Collision   YES
UMPD   YES
DMV Filings   YES
SR-22 Filings   NO
MCS 90 & ICC   NO
Binding Authority   NO
Payment Plan   Flexible Installment Plans
     
    INELIGIBLE LIST
Airport Delivery services Livery
Airport Limos Livestock Hauling
Airport Transport Services Logging or Lumber Trucks
Airport Vans Long Haul (200+ Miles)
Ambulance Services Mix-in-Transit
Amusement Devices Mobile Home Haulers
Armored Cars Motorcycles
Auto Carriers Newspaper Delivery
Auto Dealers - New/Used Non-Profit Organizations
Buses Nurses -Visiting
Canteen-Catering Trucks Oil & Gas Delivery
Cherry Pickers Oversized Loads
Churches Pizza Delivery
Courier Services Public Auto
Cranes Radius beyond 200 miles
Delivery - Time Sensitive Real Estate-Legal-Acctg-Ins. Offices
Driver Training Rolling Stores
Drug Store Delivery Schools
Emergency Vehicles Security & Patrol Vehicles
Explosive Transport Social & Fraternal Clubs
Express Delivery Social Services Agencies
Farm Workers Transport Taxis
Filings - ICC & MCS-90 Tow Trucks
Filings -SR22 & SR1 P Truckers - Common Carrier
Fire Department Truckers - Contract Carrier
Fast Food Delivery Truckers - Hauling for Hire (not own product)
Fundraising Organizations Value - Priv. Pass. Cost new over $65,000
Funeral Home Limousines Value - Trucks cost new over $250,000
Hazardous Material Hauling Van Pools
High Performance Priv. Pass Vehicles Waste Disposal
Garbage Removal  
Ice Cream Trucks  
   
SAND AND GRAVEL PROGRAM Admitted and “A” Rated
Coverage   ISO Trucks coverage Form CA 0012-0306 ISO Endorsements
GL   Owner-ops up to 3 units / No Fleets
Eligible Risk   Sand and Gravel Haulers
Vehicle Size   Light to Extra Heavy Truck-Tractors
Radius   Local 0-100 miles Intermediate 101- 300 miles
Driver Age   2 yrs. drv. exp. Age 25 & under 70 + call for approval
Per Driver   1 At-Fault Accident with No Moving Violations.
Submission   Sand and Gravel Application with Fleet Survey, MVR’s & Loss Runs
Liability Limits   750,000 CSL; 1,000,000 CSL
Medical Payments   500; 1,000; 2,000; 5,000
Uninsured Motorist   60,000 CSL, 300,000 CSL 350,000 CSL; 500,000 CSL; 600,000 CSL; 1,000,000
CSL    
Physical Damage Limit   Current Value - Rating Basis, Up to $250,000 Vehicle Value for Trucks
Comp/coll Ded.   500; 1,000; 2,500
Non-Owned &   Liability - 750,000 CSL; 1,000,000 CSL
Hired Auto   (No physical damage coverage)
Drive Other Car   YES (No physical damage)
Waiver of Collision   YES
UMPD   YES
Filings   YES
SR-22 Filings   NO
Binding Authority   NO
Ineligible Accounts   See Ineligible List
Payment Plan   FLEXIBLE Installment Plans
     
    INELIGIBLE LIST
    Concrete Pumpers
Cranes, Hoists, Booms
Filings - SR22, SRIP
Hazardous Material Hauling
Heavy Truck Tractors without Loss Runs
Livestock Hauling
Logging or Lumber Trucks
Long haul - Radius 300 miles or more
Mobile Home Haulers
Roll-Off beds on trucks
Tow Trucks
Truckers - Common Carrier
Truckers - Contract Carrier
Drivers with Less Than 2 Full Years Driving Experience
Drivers W/O Ca. Drivers License
Drivers W/O Ca. Medical Certificate
Values over $250,000