Available Commercial Auto Coverage's
(subject to change)
Bodily Injury Liability provides coverage in the event a covered vehicle causes injury or death to another person and the insured is considered at-fault for the accident.
It covers expenses related to medical costs, lost wages, sickness, death and pain and suffering for an injured third party. It also covers legal defense costs related to claims against covered damages.
Property Damage Liability provides coverage in the event a covered vehicle causes damage to any property and the insured is considered at fault for the accident. It also covers legal defense costs related to claims against covered damages.
Available Limits:
( Split Limits ) 25/50/10 - 50/100/25 - 100/300/50 - 250/500/100
( Single Limits ) 300 - 500 - 750 - 1 million
Rules:
• The BI/PD limits must be the same for all vehicles on the policy. We will not write multiple policies for the same named insured.
UNINSURED/UNDERINSURED MOTORISTS COVERAGE (UM/UIM)
UM/UIM provides coverage for damages which an insured is legally entitled to recover from another party who is considered at-fault for an accident, but is uninsured or underinsured for the level of damages.
• This coverage is available on power-driven vehicles only.
• Limits must be the same on each vehicle of a multi-vehicle risk.
Mandatory Uninsured Motorists
(Applies only to accidents in New York State whenever Supplementary Uninsured/Underinsured Motorists Coverage is not purchased)
Available Limit: 25/50
Supplementary Uninsured/Underinsured Motorists
(provides coverage for accidents in and out of New York State)
Available Limits: 25/50 100 CSL / 50/100 300 CSL / 100/300 350 CSL / 250/500 500 CSL / 750 CSL / 1,000 CSL
Rules:
• Mandatory Uninsured Motorists Coverage must be written on all policies having Liability Coverage.
• Increased limits of Supplementary Uninsured/Underinsured Motorists Coverage shall be provided at the option of the insured.
• Supplementary Uninsured/Underinsured Motorists Coverage limits selected may not be higher than Bodily Injury limits.
PHYSICAL DAMAGE COVERAGE
Collision provides coverage in the event of a loss or damage to an insured vehicle caused by a collision or overturn. Collision must be written with Comprehensive or Fire & Theft with CAC. Comprehensive provides coverage in the event of a loss or damage to an insured vehicle caused by incidents other than a collision.
This includes damages due to fire, theft, vandalism, windstorm or contact with an animal.
Fire and Theft with Combined Additional Coverages provides coverage in the event of a loss or damage to an insured vehicle caused by a specific occurrence. The damage or loss must be caused by: fire, lightning or explosion; theft; windstorms or hail; earthquakes; flood or rising waters; vandalism; while being transported by a third party; or by a collision with an animal.
Available Deductibles: 100 250 500 1,000 2,500 5,000
Rules:
• For each covered physical damage loss, only one deductible will apply – regardless of the number of covered vehicles involved.
• Physical Damage Only policies can be written. We allow an Unlimited Radius on Physical Damage Only policies.
Physical Damage Inspections
Physical damage inspections are required for the following vehicle types: pickups, vans, SUVs and private passenger autos if requesting Physical Damage coverage (including Comprehensive Only coverage) regardless of model year, with these exceptions:
• Leased vehicle under a 6-month lease or less.
• Temporary substitute vehicle.
• A new, unused vehicle (less than 45 days old). However, a copy of the bill of sale containing a full description of such vehicle, including all
options and accessories, or a copy of the MV-50 form and a copy of the window sticker or invoice showing the itemized options and dealer added options, must be attached to the application.
FAILURE TO SUBMIT THIS INFORMATION COULD RESULT IN CLAIM PAYMENT HANDLING DELAYS.
PERSONAL INJURY PROTECTION (PIP) COVERAGE
Mandatory Personal Injury Protection:
• PIP must be written on all policies having Liability Coverage.
• PIP rates apply to all commercial vehicles, including trailers.
• PIP selections must be the same for all vehicles of a multi-vehicle risk.
• Driver surcharges are applied to Mandatory PIP.
Optional Deductible:
Available Deductible: $200
• Not available to partnerships or corporations.
Benefit Reductions:
• Available when one or more drivers are not covered by Workers' Compensation or when vehicles are owned by an individual. Benefits may
be reduced if Work Loss is coordinated.
• PIP coverage will be discounted if collateral Workers' Compensation is in force and ALL drivers are covered under the Workers' Compensation
policy. Include the policy number and carrier on the application.
ADDITIONAL PERSONAL INJURY PROTECTION COVERAGE
Out-of-State (Guest) PIP:
• Out-of-State Guest PIP is only available in conjunction with Mandatory PIP.
• Extends the Mandatory PIP to losses out of the state of New York.
Full Additional PIP:
• Provides higher limit coverage to Mandatory PIP.
• Optional Increased Limits must be the same on all vehicles of a multi-vehicle risk.
• Full Additional PIP rates apply to all commercial vehicles, including trailers.
• Out-of-State Guest PIP is automatically included in Full Additional PIP.
Available Limits: 50,000 75,000 100,000
OPTIONAL BASIC ECONOMIC LOSS (OBEL)
Available Limit: 25,000
Rules:
• OBEL is an optional coverage.
• Applies to all commercial vehicles, including trailers.
HIRED AUTO AND EMPLOYER'S NON-OWNERSHIP LIABILITY COVERAGES
Hired Auto provides excess liability coverage for a non-owned, unlisted vehicle the insured has leased, hired, rented or borrowed.
Employer's Non-ownership provides excess liability coverage to an insured for employees using their own (unlisted) vehicles incidentally in the course of the named insured's business.
Rules:
• These coverage's are available for incidental or if-any exposure only.
• These coverage's are available separately. Limits must match BI/PD.
• These coverage's are not available on risks or business types including, but not limited to, pizza delivery, courtesy transportation, for-hire
trucking or courier risks.
• These coverage's are not available on any risk requiring a state or federal filing.
MOTOR TRUCK CARGO COVERAGE (CARGO)
Cargo covers a For-hire trucker's liability for the property of others being transported.
Coverage is for cargo that is lost or damaged due to:
• Theft • Debris removal after a load is dumped on the highway
• Fire • Earned freight to replace wages lost as a result of not delivering the load
• Collision • Reloading expenses to put a load back on the truck
• Striking of a load
Available Limits: 10,000 25,000 50,000 100,000
Deductibles: 500 1,000
Additional Coverage: - 5,000 Sue & Labor Clause
- 2,500 Earned Freight
- 10,000 Debris Removal/Pollution Cleanup
Rules:
• Only available for For-hire trucking risks.
• Cannot be written without BI/PD coverage.
• Cannot be written when the insured owns the property/goods being hauled.
• Vehicle limits must match on a policy.
• Not available for fleet policies (10+ power units).
• Only available on policies with one or more of the following body types: dump truck, tractor, box trucks, cement mixers, cargo vans, pickups
with a fifth-wheel hitch, flatbeds and car haulers.
• Not available on garbage trucks, limos, hearses, buses, passenger vans or ice cream trucks.
TRAILER INTERCHANGE COVERAGE
Trailer Interchange covers physical damage to any non-owned trailer while in the care, custody or control of the insured.
Available Limits: 15,000 20,000 30,000 40,000
Available Deductibles: 1,000 2,000
Rules:
• A tractor must be on the policy to be able to write this coverage.
• A written trailer interchange agreement is required and may be requested in the event of a claim.
RENTAL REIMBURSEMENT COVERAGE
Rental Reimbursement provides reimbursement for a maximum of 30 days for rental vehicle costs incurred to temporarily replace an insured vehicle due to a covered loss. Reimbursement is per loss, per vehicle and is the lesser of the rental cost and the daily maximum limit. Limits will vary based on weight class.
Limits available for all vehicles: 30 per day 40 per day 50 per day
Additional limits are available for vehicles with ≥ 16,000 lbs. GVW
70 per day 80 per day 90 per day 100 per day 125 per day 150 per day
Rules:
• Comprehensive (or Fire and Theft) and Collision coverage required.
RENTAL REIMBURSEMENT WITH DOWNTIME COVERAGE FOR TRUCK
This coverage provides reimbursement for a maximum of 30 days for rental costs incurred to temporarily replace an insured vehicle due to a covered loss. Reimbursement is per loss, per vehicle and is the lesser of the rental cost and the daily maximum limit.
If a reasonable replacement vehicle cannot be located, we will pay the vehicle's daily rental limit during downtime. If you elect not to make use of a reasonable replacement auto, there is a waiting period of six days before we will pay the vehicle's daily rental limit
during downtime. There is no waiting period for rental reimbursement or in cases where we are unable to locate a reasonable replacement auto.
We will provide Rental with Downtime Protection only to the following business type and vehicle type combinations.
Eligible business types:
• Debris Removal • Dirt, Sand, Gravel
• Freight Forwarders • Logging
• Owner Operator • Other For-Hire Trucking Operations
• Scrap Metal, Scrap Auto and Recycling Services
Eligible vehicle types:
• Dually Pickup • Dump Truck > 45,000 lbs. GVW
• Flatbed Truck >16,000 lbs. GVW • Front Loader > 45,000 lbs. GVW
• Refrigerated Truck >16,000 lbs. GVW • Roll On Vehicle > 45,000 lbs. GVW
• Stake Truck >16,000 lbs. GVW • Straight Truck > 16,000 lbs. GVW
• Tank Truck > 1,400 gallons • Tractor
The following limits are available:
40 per day 80 per day 125 per day
50 per day 90 per day 150 per day
70 per day 100 per day 175 per day
MEDICAL PAYMENTS COVERAGE
Med Pay provides coverage for certain medical and funeral expenses for all those occupying a covered vehicle involved in an accident regardless
of who is at fault.
Available Limits: 500 1,000 2,000 5,000
Rules:
• Available on power driven vehicles only.
• Can only be written in conjunction with BI/PD or Non-Truck.
• Limits must be the same on all covered vehicles of a multi-vehicle risk.
• Coverage limits are per person and not per accident.
• Coverage is optional.
ON-HOOK TOWING LIABILITY COVERAGE
On-Hook Legal Liability is a towing specific coverage that provides physical damage coverage for an auto or watercraft while being towed by
an insured's covered vehicle. The coverage provides protection to the named insured when found liable for damage resulting from fire,
theft, explosion, vandalism or a collision.
Available Limits: 15,000 25,000 50,000 100,000
Available Deductibles: 500 1,000
Rules:
• This coverage is only available on tow trucks, car carriers, and dually pickups with fifth wheel. If any vehicle has this coverage, all towing
vehicles must have the coverage.
• Limits must be the same for all eligible vehicles of the same body type.
• This coverage cannot be purchased unless BI/PD is also purchased.
• This coverage is not the same as Cargo coverage.
GARAGEKEEPERS LEGAL LIABILITY COVERAGE
Garagekeepers Legal Liability is a towing specific coverage that provides coverage in the event of a loss to an insured's customer's vehicle left in the care, custody and control of the insured for the purposes of servicing, parking or storing while at a covered location. A covered location must be listed on the policy. Coverage applies when a loss is caused by fire or explosion, theft, vandalism or collision.
Available Limits: 25,000 50,000 100,000
Available Deductible: A deductible of $500 per vehicle, maximum $2,500 per occurrence.
Rules:
• Coverage can be purchased for up to three locations.
• A premium is developed for each covered location.
• This coverage cannot be purchased unless On-Hook Towing and BI/PD are also purchased.
INDIVIDUAL NAMED INSURED COVERAGE
Individual Named Insured coverage is included automatically, free of charge, when the named insured is an individual AND chooses 'personal' use for a listed private passenger type auto. This coverage extends excess liability coverage to other non-owned passenger type autos when driven by the named insured or a resident relative. Physical Damage coverage is also extended if it was purchased for the listed non-business vehicle. The vehicle cannot be owned by the named insured, spouse or any household resident, nor be available for regular use.
Rules:
• Extends to eligible risks automatically and free of charge.
DRIVE OTHER CAR COVERAGE (BROADENED COVERAGE FOR NAMED INDIVIDUALS)
Drive Other Car is excess coverage that extends the scope of certain purchased coverages to scheduled individuals who reside with the executives
of a Partnership or Corporation. Included coverages: Liability to Others, Medical Payments, Uninsured and Underinsured Motorists (where applicable)
and Physical Damage coverage.
Rules:
• Only for Partnerships and Corporations.
• Only for executives and their spouses.
• Must have at least one private passenger type vehicle with personal use indicated on policy.
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