Lines of Business

• Auto liability
• Physical damage

Liability Coverage/Limits

• Up to $1M CSL
• Maximum vehicle age is 20 years (liability coverage)
• Units older than 15 years can be considered with a current mechanic’s statement and a current photo

Physical Damage

• Minimum $1,000 deductible for comprehensive and collision coverages
• Minimum stated value of $5,000
• Stated values greater than $250,000 must be reinsured
• Terminal exposures up to $1M in total value (higher limits can be considered subject to underwriting approval)

Vehicles

• Private passenger transportation vehicles (PPTs), pickup trucks, vans, and trucks with gross vehicle weight less than 45,000 pounds

Eligible Operations

• Vehicles used in the pursuit of the insured’s business
• Vehicles which are registered to the business if it is a corporation or to an individual if it is a sole proprietorship or partnership
• PPTs must be registered in a business or corporate name
• Local or intermediate radius only (ISO definition)
• New ventures may be acceptable with resume or letter indicating experience operating a similar vehicle type