Explorer - A member of ICW Group QUICK FORMS: 1) Quick Quote 2) Complete Application
 
 

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Acceptable Commercial Vehicle Risks
Service Use: Our least expensive rating classification (1 to 3 jobs per day)
Air Conditioning
Backhoe Operators
Cabinet Makers
Masonry
Carpentry
Carpet Installers
Concrete
Drywall
Electrical
Excavation
Fence Installers
Framing		 General Construction Glaziers/Glass
Cable Installation
Welding
Painting
Paving Driveways & Sidewalks
Plastering
Plumbing
Roofing
Tile Setting
Commercial Use: Our mid range rating classification (4 or more jobs per day)
Auto Parts Delivery
Carpet Cleaners
Catering Trucks
Janitorial Services
Manufacturers
Mobile Auto Detailers		 Parking Lot Sweepers
Pool Cleaners
Security Patrol (No weapons, no pursuit, no dogs)
Service Repairmen
Vending Machine Service & Repair
Landscapers/Gardeners
 
Retail: Our most expensive rating classification (delivery to homes/no delivery for hire)

Appliance Retail w/Delivery
Bottled Water Delivery
Diaper Service
Dry Cleaning Delivery
Firewood retail w/delivery

Florist
Furniture store with delivery
Grocery store with delivery
Home dairy retail w/delivery

 

ISO Definitions:


Service Use - Vehicles principally parked at a job location for major part of a working day and not driven to more than 3 job sites per day.
Commercial Use - Vehicles used to pick up or deliver property, not classified as either Service or Retail use.
Retail Use - Vehicles used to pick up or deliver property to individual homes.  (Also used to classify heavy/frequent delivery exposure).

 
Unacceptable Risks
  1. Amusement devices mounted on commercial vehicles, carnivals or circuses.
  2. Armored vehicles; emergency vehicles
  3. Auto dealers; leasing or renting; repossessions; salvage; auto wrecking.
  4. Bobtail liability; concrete ready mix; movers; "Truckers For Hire", common and contract.
  5. Building wreckers; house and delivery movers.
  6. Buses; livery vehicles, public/private; taxicabs; limousines; van pools/all types; van pool type vans (unless seats removed).
  7. Church Organizations. (Charitable Organizations acceptable with no employers non-ownership coverage written.)
  8. Childcare, home care centers/nurseries.
  9. Driver’s training.
  10. Explosive manufacturer - dealers/haulers; petroleum products; vehicles transporting commodities defined as hazardous by the Federal Motor Carrier Act.
  11. Farming Contractor (Farm Labor Contractor, Farm Management, Farming Services, Harvesting Contractor)
  12. Fast food delivery; ice cream trucks.
  13. Funeral cars and mortuary.
  14. Garbage/trash removal; sand and gravel haulers; scrap metal dealers and recyclers.
  15. Hay dealers; horse vans or trailers; livestock haulers.
  16. Hospitals; nursing or rest homes.
  17. Logging vehicles; tree services (vehicles with booms), pallet risks.
  18. Magazine/newspaper, mail/messenger delivery (home to home) and most courier services (medical or bookkeeping acceptable).
  19. Personal use only on Commercial type vehicles. Risk must be a valid commercial business to qualify.
  20. Physical Damage only Policies;
  21. Steel construction/maintenance.
  22. Swap-meet sales / Flea market sales.
  23. Tow trucks.
  24. Vehicles:
  1. Not licensed for use on public roads;
  2. Not garaged in California;
  3. Not sold or distributed in the United States (Grey Market);
  4. With a current value in excess of $60,000 for commercial types and excess of $75,000 for private passenger types;
  5. Salvaged vehicles (Commercial type vehicles only - Personal type vehicles ok for liability only).
  6. Vehicles over 30 years old; except liability is acceptable on vehicles up to 40 years old as long as there is at least one other vehicle listed newer than 30 years old. We will offer physical damage for vehicles 20 years old or newer.
  7. Vehicles with lift kits over 3".
  8. Used in business outside of the State of California
  9. Vehicles with special equipment used in the operation of the business, (i.e. cranes, well-drilling machinery, booms, etc.) must be approved by underwriting. Some may be acceptable (i.e. permanently attached welding equipment, parking lot sweeper equipment, etc.) and must be approved by underwriting.
  10. Mobile Equipment with tar-pots or tar-kettles.
  1. Welders who routinely engage in work in or around oil fields;
  2. Motor homes and travel trailers.

    Corvettes, Porsches (except 914), Mini-Coopers, Hummers (except H-2, H-3) plus "exotic vehicles" unacceptable. For complete list, please refer to the Commercial Underwriting Guidelines available on iAgent Website.

    Any former Explorer Insurance policyholder who:
  • has an unpaid balance due, unless the balance due is submitted addition to the correct down payment
  • for the policy; or
    has had coverage canceled and rewritten more than twice in the past three (3) years, or any combination thereof.
Driving Record Guidelines:
Limit Maximum Incidents
(3 years unless stated)
$1 MILL, 750, 600 CSL 2 minors; or 1 at-fault accident with 1 minor; no majors (3 yrs)
$250/500/100 3 minors; or 1 major and 1 minor; or 1 a/f accident with 1 minor no more than 2 occurrences in the past 12 months.
$300 CSL, 100/300 No more than 3 of a combo of: a/f accident, major, and minors with no more than 2 occurrences in the past 12 months.
$50/100 to 15/30 No more than 4 of a combo of: a/f accident, major and minors with no more than 2 occurrences in the past 12 months.

  • Two at-fault accidents in the past 3 years is "unacceptable" for any limits.

  • Two major violations in the past 3 years is "unacceptable" for any limits.

  • All violations are chargeable even if cited when not at work

$1 Million limits

  • No new ventures - applicant must have been in business for at least one year.

  • Must contact underwriting to obtain an approval number for 1 Million CSL.

  • Driving record - max per driver = two minors; or one at fault accident and one minor; No majors in past 3 yrs.

Foreign Licensed/ International Driving Experience:

All drivers must have US or Canadian license. But if a driver has been licensed at least 18 months in the U.S. and has been previously licensed in another country, we will accept their driving experience from the prior country. Please advise in which country he or she was previously licensed. An international permit does not qualify for driving experience.

Additional Coverage:

Drive Other Car Coverage is included at no charge when applicant meets all of the following criteria:

  • Applicant type is either Individual or Sole Proprietor

  • No employee drivers

  • No more than one light weight business use vehicle (vehicle must have GVW under 10,000 lbs)

  • All personal vehicles must be insured on this policy
For ALL NEW AGENTS Contact:

Marketing
Lisa Wexler (800) 211-2860 x153
lwexler@wintergroupinc.com

Complete forms and fax to: (858)-444-3261*

*Once you have been assigned to an underwriter and been trained, please find your representative from the link below.

Find my Underwriter

 

Underwriting

Complete forms and fax to: (858)-444-3261

PHONE: (800) 211-2860

Richard Morales Ext 157
rmorales@wintergroupinc.com

Bonnie Coverstone Ext 158
 bcoverstone@wintergroupinc.com

Lisa Wexler Ext 153
 lwexler@wintergroupinc.com


*If the above fax number does not work, see Contacts page for an alternate fax number.

 

 

Documents Required to Bind:

These documents MUST be provided in order to bind. Without any one of them, Explorer will NOT bind the risk.

  • Down Payment Check
  • Registration for all vehicles if on hand
  • MVR for all drivers
  • Copy of the Commercial Quote


Forms: Download, fill and email:

Payment Plan to Avoid Cancellations and Loss of Clients
 
Special Information
Helpful Hints
  • REWRITES - ALWAYS Call U/W for pre-approval if the customer has had a prior Explorer policy
     
  • Salvaged vehicles can be insured for liability only coverage (no comprehensive/collision coverage)
     
  • Years Licensed - use approximate date Issued from MVR (but no earlier than 16th birthday)
     
  • We provide coverage based on covered auto Symbol # 7 (Scheduled Auto.) Applicants can purchase additional coverage such as Symbol #8 (Hired Auto) and Symbol #9 (Non-Owned Auto.) We do not offer Symbol #1 (Any Auto) or Symbol #2 (All Owned Auto.) On an exception basis, we can indicate Symbol #2 on a certificate if we can verify that Explorer insures all the commercial and personal vehicles owned by applicant/household on this policy.
     
  • MVR - we go by violation, not conviction date. We charge for equipment tickets, but not seatbelts.
     
  • We no longer require an excluded spouse to sign an exclusion form unless it is midterm exclusion.
     
  • SR-22 filings - Available only to the insured, spouse or dependent relative - Explorer must insure all vehicles registered to named insured (& spouse if married)
     
  • You may write a policy for a driver with a license from another state as long as the MVR can be obtained. We will require proof that the insured has obtained a CA license at least 60 days prior to renewal date to avoid non-renewal.

 

Payment Options to help avoid cancellations and loss of account:
Autopay - The ClassicPlan Autopay system sets the insured up to have the monthly payment automatically deducted from their checking account. Complete the Autopay (see Auto Payment Form) form, attach a void check from the account the payments are to be deducted, and submit to ClassicPlan. This option is available anytime during the term of the loan.

Pay by Phone - The insured or producer can call the ClassicPlan customer service department with their checking account information and submit a payment.

Pay by Fax - The insured or producer can fax a copy of the check made payable to ClassicPlan to submit payment. The fax number is 909-628-5490.

Pay by Web - The insured or producer can visit our web site at www.classicplan.com and submit a payment using their checking account.

Western Union Quick Collect - The insured can visit any Western Union office to submit a payment using the Western Union Quick Collect system. They will need the funds to cover the payment and their ClassicPlan loan number.

Cancellation Delay - The producer can call or fax ClassicPlan and request that the mailing of the cancellation notice to the carrier(s) be delayed. In this instance ClassicPlan can delay the mailing to the notice up to 4 days (depending on weekends, holidays, etc.) after the cancellation date.

Payment Guarantee - The producer can call or fax ClassicPlan and guarantee payment on the account(s). ClassicPlan will stop the cancellation process and the producer must submit their trust check for the payment(s).


Submitting the Adobe form(s)

*After completing the form you are working on, click on the [Email Form] button. That will provide you with instructions for emailing the data. (You need the full version of Adobe to do this. If you do not have the full version, you may request a copy by sending an email to pwinter@wintergroupinc.com.)

Note: Not all forms may be filled in online. Some require signatures and therefore must be faxed to one of the numbers given above.

 

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