This Internet rated program from Chartis Small Fleet Group is available to you directly from Winter Group, Inc.

Can quote in the following states:
AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, MD, MO, MN, MS, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX (10+ Units), UT, VA, WI, WA, WY, WV.

Click map for more detail.

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1. If a new venture, why the sudden need for the DOT#?
2. We will require either IFTA's or Financials to confirm no subhaul. Schedule B's are not accepted.
3. The acceptance of new ventures will not extend outside of California.
4. We will of course require all information that we require for the standard eTruck account.
5. On the new Venture we will require work history along with signed loss statements.

• 1-9 Units In-house Quoting
  Primary Auto Liability Application

• 10-25 Units (Submit) Primary Auto Liability Application 48 hour turnaround.
  (See Commercial Fleet Program.)
  (2 page SFG application, 2 Page worksheet)

• or Primary Auto Liability and Physical Damage Application (2 page SFG application, 4 page worksheet and Acord 194, additional)

• (1-4 Units or 1-25 Units) Current MVR within 30 days.

• Check Safer to obtain rating. If conditional or unsatisfactory, check with your marketing representative to assure that risk is quotable.

1. Drivers must have at least two years of commercial driving experience with a Class A License in the vehicle being asked to be insured.
2. Driver must have two years of own liability experience or four years of commercial driving experience.
3. If owner/operator, cannot have more than two moving violations within the last three years.
4. DUI's and careless/reckless convictions have to be more than seven years old to consider.
5. Drivers cannot be younger than 23 or older than 65, but can consider a driver up to age 70 with a long form medical approved by the insurance company.
6. If driver is between 23 and 25 must have a clean driving record.
7. Driver cannot have more than one moving violation within the current driving year.
8. Driver cannot have more than one chargeable accident within the last three years and cannot have more than one chargeable accident and one moving violation within the past three years but both not in the current year.

Ed: 3/18/06

eTruck Underwriting Guidelines Update 3/10/06

All quotes

We now need a complete breakdown of all commodities hauled. 100% dry freight is no longer acceptable. Only 15% general Dry Freight.

If a policy has lapsed please include the reason why on the cover page of the fax so we have this information prior to being asked for it by Chartis.
New Ventures (Accounts with less than two years primary liability coverage, Question # 1)

New Ventures

One power unit - owner must be the only driver.

During the first year the account is limited to an increase of power units to double the original #: one can go to two and two can go to four. If the account grows more than double we will consider that the risk/exposure has significantly changed and will send a cancellation notice adhering to the appropriate state requirements.

Require detailed 5 year work history in the explanation box and ask if the owner has owned a trucking operation in the last 10 years.

Endorsements (adding a power unit)

When there is a net gain in the # of power units that are being added by endorsement an MVR is required for each additional power unit and must be reviewed for acceptability. Several large losses have involved drivers where a MVR was not reviewed due to the additional power unit issue, the power unit was appropriately added by endorsement but the details of driver assigned to that vehicle were absent. If the MVR is not included the vehicle can not be added.

Non-owned Equipment

We will not offer physical damage coverage for any equipment that is not owned by the named insured. This new requirement does not apply to Lien Holders but to third party individuals or companies that own a piece of equipment that is operated by the named insured.

Florida Accounts

Our loss experience in Florida has been highly unprofitable. Effective immediately, all accounts garaged in South Florida that are intrastate will be declined. If they are interstate operations, mileage reports will be required to determine the percentage of Florida miles. If more than 50% of the miles are in Florida then the account will be declined. If mileage reports are not available, the account will be declined.

• 24 hour service (1-800-426-3168) 8:00am to 4:00pm EST, (1-800-241-2541) 4:01pm to 7:59am. First number will refer you to the second number after 4:00pm EST.
• Claimant and Client contact within 24 hours
• Claims managers on call 24 hours a day, seven days a week
• Catastrophic response team
• Adjusters are transportation specialists
• Nationwide network of engineers, independent adjusters, attorneys and appraisers
• Flexible programs: SIR / Deductible / First Dollar
• Subrogation claims handled by an SFG specialized recovery unit
• Services are available unbundled
• Consistent reserving
• Centralized supervision
• Litigation management:
  • Client/Broker participation
  • Centralized control of activities and billings
  • Trial attendance
• Aggressive cost containment
• Complex claims staff averages in excess of 20 years transportation claims experience

For More Information contact Tim Horgan or Rocky Montoney at 800-426-3168.

• Claims Reporting Guidelines

All claims need to be faxed to: (866) 797-1077
email: ATLPCNewLoss@AIG.com

Phone (866) 278-7789

• The Claim should be accompanied by an "Accord" loss notice
   

• A current (less than 2 months old) MVR must accompany the claim report.  If you do not provide an MVR, we will run an MVR for you at a cost of $10.00 per MVR - Paid in Advance (credit card only).