Lines Of Business

Automobile Liability, Physical Damage, and General Liability (through ACIC)


Liability Coverage/Limits

Up to $1,500,000 CSL.
Higher limits are available at the Underwriter's discretion.


Physical Damage

Minimum $500 deductible for comp/collision (coverage written through GLINY is fire, theft, and collision only)
Minimum stated value or ACV: $10,000
Stated values greater than $250,000 must be reinsured.
Terminal exposures greater than $1,000,000 in total values will be reinsured.
Units older than 10 years requires Underwriting approval. A current mechanic's statement and photograph may be required at your Underwriter's discretion.


Vehicles

Luxury sedans and stretches, vans and minibuses.
Vehicles with seating capacity greater than 8 passengers, excluding the driver, may be rated as a Charter Bus.
Classic vehicles, stretches greater than 150 inches long, and vehicles with unique modifications will be considered at the Underwriter's discretion.


Eligible Operations

Pickups arranged at least 24 hours in advance.
Vehicles used for special events (weddings, proms, funerals), business functions, airport trips, and local "nights on the town."
New ventures are acceptable with résumé or letter of experience indicating how many years he/she has experience operating a similar vehicle type.
Radius of operation within 100 miles
Must be present at beginning an end of event.


Ineligible Operations

Risks that operate as demand-response units.
Risks with fare boxes or meters.