Lines Of Business

Automobile Liability, Physical Damage, and General Liability


Liability Coverage/Limits

Up to $1,000,000 CSL.
Higher limits are available at the Underwriter's discretion.


Physical Damage

Minimum $500 deductible for comp/collision.
Minimum stated value: $3,000
Units older than 10 years requires Underwriting approval. A current mechanic's statement and photograph may be required at your Underwriter's discretion.


Vehicles

Sedans and minivans with capacity up to 7 passengers, excluding the driver.


Eligible Operations

For-Hire transportation of passengers. Insured must be dispatched from or a member of a radio group of association, or possess a medallion.
Demand-Response units with less than 24-hour prearranged pickup reservations.
New venture individuals and partnerships are acceptable with résumé or letter of experience indicating how many years he/she has experience operating a similar vehicle type.
In jurisdictions where owner-operators receive a discount, refer to the state-specific filing for eligibility and credit allowed.
Double shifts are eligible with proof of a current formal maintenance program.
May be present at beginning and end of event, but not required.


Ineligible Operations

"Gypsy Cabs"
New venture corporations, unless there is previous insurance history which is favorable, and that can be substantiated.
Triple shifts.