Business Auto

Business Auto

A X A.M. Best Rating

Admitted coverage available in certain states.

Our product offers commercial automobile liability and physical damage coverage to protect light and medium trucks with local or intermediate radius. The types of risks we want to write include Contractor, Retail, Service, and Wholesale operations. We are interested in 10+ unit schedules or more with liability limits of $100,000 up to $1,000,000 combined single limit (CSL).

• Preferred Classes- Contractor (Commercial & Residential)

  Homeowners Associations	Golf and Country Clubs
  Appliance Repair	Masonry
  Electrical	Painting
  Framing	Pest Control
  General	Plumbing
  HVAC	Roofing

• Eligibility and Authority Levels
  • Loss ratio below 45% (Consideration will be given when a shock loss is driving the loss ratio)
  • Financially secure confirmed with Lexis Score
  • Acceptable MVRs
  • Drivers with the following types of convictions are not acceptable:
  • DWI in the past five years
  • Racing or reckless driving
  • Left the scene of an accident
  • Violation involving a felony
• Excluded Classes

  Ambulance/ Emergency Vehicles	LPG Transport
  Car Haulers	Livery operations
  Dump Truck Operations	Mobile Home Transport
  Fast Food Delivery	Para Transit
  Fire Departments	Softwood Loggers
  Garage Collection	Street/Road contractors
  Heavy Equipment Movers	Wreckers
  Tow Truck Operations

• Submission Requirements
  • Complete ACORD application including FEIN
  • Four years of loss runs
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