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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: $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.


Sedans and vans with seating capacity up to 14 passengers.
Units may be equipped with wheelchair ramps or lifts.
Vehicles must have proper tie-downs for wheelchairs while in transport.
Vehicles must display written procedures for loading and unloading passengers in wheelchairs.
Surcharges may apply for vehicles with wheelchair access.

Eligible Operations

For-Hire transportation of patients on a contract or demand-response basis
Medicars & Ambulettes
Vehicles owned and operated by social service organizations, or medical facilities, used to transport their clients/patients.
Eligibility for rating under this classification requires a minimum 85% revenue from these types of operations. Not more than 15% can come from a taxi exposure. Contracts and/or financials may be requested for verification.
Insured must conform to all laws regarding having matrons/aides on vehicles.
Patients must be belted in and strapped securely.

Ineligible Operations

Ambulances or emergency vehicles equipped with lights and sirens.
Risks that provide any medical, paramedical or first-aid service.
Risks that transport oxygen.