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 | |