Products

Automobile Liability Limits

Limit of Liability
Bodily Injuries & Third Party Property Damage(Symbol 67) $1,000,000 CSL or
(Specifically Described Autos) $750,000 CSL
 
Personal Injury Protection(Symbol 65)
(Owned Autos in States requiring No-Fault Coverage)
Per State Requirements
 
Medical Payments (Symbol 67) Per State Requirements
 
Uninsured/Underinsured Motorist (Symbol 66) Per State Requirements
(Owned Autos Subject to Compulsory UM Law)



General Liability Limits

Bodily Injury & Property Damage

Limit of Liability
Each Occurrence* Premises/ Products/Completed Operations $1,000,000
 
Personal & Advertising Injury * -Any One Person or Organization $1,000,000
 
Damage to Premises Rented to You * Any One Premise $100,000
 
Medical Payments *
       Any One Person
$5,000
 
General Aggregate (Other than Products Completed Operation) $2,000,000
 
Products & Completed Operations Aggregate $2,000,000
 
Employee Benefits Liability
Each Employee $1,000,000
Aggregate $1,000,000

*Losses in these areas reduce the General Aggregate Limit.



QUICK REFERENCE SHEET

(UNERWRITING GUIDELINE)

SUBMISSION REQUIREMENTS
• Completed & Signed A-One Application
• 3-Year Loss Runs, Currently Valued
• MVRs for all Drivers, Currently Dated
• Tangible Experience Information for New Ventures.
 
TARGET MARKET
• For-Hire and Private Carriers
• Non-hazardous Cargo
• Local, Intermediate, Long Haul
• Heavy and Extra Heavy Truck Tractors and Trucks.
• 1:1 Ratio of Drivers to Insured Vehicles (Surcharge May Apply for 2+:1 Ratio)
 
EXPERIENCE REQUIREMENTS (proof required)
• New Ventures: Minimum of Three Years in Industry or Owner with 1-3 Years Management Experience.
• Drivers: must have had at least one year with CDL.
 
COVERAGES & LIMITS
• Motor Carriers Liability: up to $1,000,000 CSL
• General Liability: up to $1,000,000/$2,000,000
• Motor Truck Cargo: up to $250,000
• UM/UIM & No-Fault per State Requirements
• Med-Pay: up to $5,000
 
INELIGIBLE CHARACTERISTICS
ALL COVERAGES
• 4:1 Ratio of Drivers to Insured Vehicles
• Hazardous Materials (i.e. radioactive materials, volatile gasses under pressure, chemicals, etc.)
• Sand & Gravel (dirt, crushed limestone, etc.)
• Local Dump Trucks
• Broker Authorities
• Double or Triple tractor-trailer trucks
• Public Transportation
 
MOTOR TRUCK CARGO
• High Value (electronics, automobiles, etc.)
• Refrigerated or Frozen (produce, meats, etc.)
 
DRIVERS
• 3 or More Accidents in the Last Three Years
• Any Serious Violation in the Last Three Years (i.e. DUI, reckless driving, hit and run, etc.)
• 4 or More Moving Violations and/or Accidents in the Last Three Years
• Drivers under the age of 25 or over the age of 70
 







Term
insurance

Dependable, low-cost protection.