|
COMMERCIAL FLEET PROGRAM
FOR 10+ units. This program offers the opportunity to quote
risks that need to be experienced rated and on an all owned
vehicles basis with monthly payment plans. |
Click map for more
detail.
 |
| |
| |
|
|
Some forms on this page require the Adobe Acrobat Reader
to view. If the form refuses to load when you |
|
click on the link, use the button on the
right to download the free Acrobat Reader. |
 |
|
|
|
To download forms, right click
on the link and select "Save target as"
or "Save as" and save to
your computer.
You may also allow the form to load into your browser and
then use the 'Save' icon to save it to your computer. |
| |
|
| Broker
of Record Guidelines |
|
BOR Guidelines |
|
Commercial Fleet Forms
(Adobe Format) |
|
|
|
Marketing Brochure and
Underwriting Criteria |
|
|
| Requirements and Documentation Needed |
- Completed Application. If we know which market we are going to use, its best to use that specific market's application. Many times we will go to more than just one market, one application is required.
- Currently valued loss runs for the past 5 policy terms for all lines of coveragebeing quoted.
- Depending upon the size of the account, most markets will want details of any loss over $25,000. If the account is over a 100 units, that threshold might be increased up to $50,000 or $100,000.
- The most recent annual financial statement. C&F usually asks for the past 2 annual statements along with any interim statements which might be available.
- MVR's for all drivers. This sometimes gets very cumbersome for accounts with more than 50 or so units. That depends on the underwriter and the over all quality of the account.
- Driver schedule including driver name, date of birth and the date of hire.
- IFTA reports for the past 4 quarters.
- Most larger accounts will have some sort of written safty procedures. Copies will be helpful.
- Equipment List. Indicate if equipment is company owned or owner/operator. Include year, make, model, garage location, and current market value if providing physical damage quote.
- Copies of any permanent lease and trip lease agreements. Also any hold-harmless agreements, interline, interchange, or intermodal and sub-hauler agreements.
- Copies of all operating authorities.
- The insured's FEIN.
|
|
 |
|
|
| Driver
Selection & Qualification Standards |
|
Minimum Age
At a minimum, Chartis The Truck Insurance Group asks that
all drivers be 23 years of age. Ideally, drivers should
be at least 25 years of age.
Minimum Experience
Drivers should have at least 2 years of verifiable
commercial driving experience in equipment similar to
that which he/she will be operating. This experience
should be immediately prior to employment. Exception: If
an applicant has at least 5 years verifiable experience,
the 12 months prior to employment may include
non-driving employment.
Work History
Applicants whose history shows steady employment make
more stable, dependable and safe drivers. For this
reason, we recommend that you avoid hiring anyone who
has had more than 2 jobs in the last year and more than
6 jobs in the last 3 years.
Medical Examinations
We recommend that drivers 65 years of age and older
receive annual physical examinations. We realize that
this exceeds DOT requirements, but the driver's health
can be of major importance in the safe operation of your
fleet as well as any litigation, which may result from
an accident.
MVR requirements
A driver's MVR is an important snapshot of his driving
history and should be reviewed carefully. Each driver's
MVR should be reviewed on an annual basis to assure
driver's stay within Chartis's guidelines for acceptable
moving violations, accidents and non-moving violations
within the last 36 month period. Drivers that are placed
on probation, should have an MVR review on a quarterly
basis. The MVR should also be used to verify information
on, both the application and the Certificate of
Violations, as well as the Annual Review of Driving
Record.
Chartis The Truck Insurance Group's guidelines to determine
acceptability of a driver's MVR is derived using the
following point value system. The maximum acceptable
number of points may not exceed (3) within the last
consecutive 36 month period.
Use the following Point Value System to determine each
individual driver's total points. When two violations
occur on the same date, use the higher point value.
Non-Moving Violations -
non-moving violations such as equipment or seat belt
violations, count (1) point for every (3) occurrences
within the last consecutive 36 month period. Mechanical
or non-moving violations are of major importance as an
excessive number of these violations might indicate a
driver's habitual disregard of traffic laws, safety
regulations and the mechanical condition of his or her
equipment.
Any Driver with a conviction within the last 5 years for
the following violation(s) in a Commercial Motor Vehicle
or Private Passenger Vehicle is not eligible to operate
equipment which Chartis The Truck Insurance Group insures.
Road Tests
Chartis The Truck Insurance Group recommends that all
drivers, regardless of age, experience or record, be
road tested in comparable equipment to that which they
will be operating. This recommendation applies to
owner/operators as well as drivers employed by
owner/operators. The road test should require the driver
to demonstrate all the skills necessary for safe
operation of the vehicle and should be documented in the
driver qualification file.
Other Resources
Other resources are available from several sources,
which can aid in the selection process. Personality
tests, aptitude tests, criminal background checks and
credit checks are also effective tools, which can assist
you in the selection process. |
|
|
|
|
Chartis Truckers Companion is available
with Chartis Truckers Occupational Accident Insurance
policies issued to operators of medium and heavy-duty
trucks. Assistance is provided for up to three
occurrences a year, giving truckers an unsurpassed range
of services.
|
|
QUICK
FORMS:
Fleet Application