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Lines Of Business

Automobile Liability and Physical Damage

Liability Coverage/Limits

Up to $1,000,000 CSL.
Higher limits are available at the Underwriter's discretion.
Maximum vehicle age is 20 years (liability coverage).
Units older than 15 years will require a current mechanic's statement and a current photo.

Physical Damage

Minimum $500 deductible for comp/collision.
Minimum stated value: $5,000
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 15 years are not eligible for physical damage coverage.


PPTs, pickup trucks, vans, and trucks with GVW less than 45,000 pounds.

Eligible Operations

Vehicles used in the pursuit of the insured's business.
Vehicles which are registered to the business if it is a corporation, or to an individual if it is a sole proprietorship or partnership.
PPTs must be registered in a business or corporate name.
Local or intermediate radius only (ISO definition).
New ventures are acceptable with résumé or letter of experience indicating how many years he/she has experience operating a similar vehicle type.

Targeted Business Types

Landscaping (Incidental Snowplowing Only)
Residential or Commercial Repair Services
Retail Sales/Delivery
Professional Services

For a list of ineligible operations, please click here.