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 single unit schedules to small fleets 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
  • Resources
    • Log in to view related resources
  • Education
    • Log in to view related education links
  • Video
    • Log in to view related Video links
*** Disclaimer:  This is a general eligibility summary and other guidelines can and will apply. #BUSINESSAUTO