Commercial Automobile/Truck Liability and/or Physical Damage. Physical Damage can be written on a stand-alone basis.

Can quote in California only.

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Minimum Annual Premium : $500
Fully Earned Policy Fees: $20 per unit insured, subject to a $100 minimum.

Applications: Topa applications preferred; Acord applications acceptable: Current MVR’s must be submitted.

BI/PD Liability Limits/Coverage's Available:
15/30/10 Split or 100 CSL with variations up to 1 million Single Limits

Medical Payments - $1,000, $2,000 or $5,000

Uninsured/Underinsured Motorist Bodily Injury - 15/30, 25/50, 30/60

Uninsured Motorist Property Damage - $3,500

Non-owned Auto

Hired Auto

Specified Perils - Deductibles of 250, 500, 1,000, 2,500 or 5,000

Collision - Deductibles of 250, 500, 1,000, 2,500 or 5,000

On-Hook (Tow Truck)

Cargo (up to $50,000 exposure for any one truck/trailer)

Filings/Certificates: DMV filings and Certificates of Insurance provided upon request (Filing Fees apply).

Radius of Operation: Cannot exceed 500 miles from principal place of garaging.

New Venture Surcharge: 20% applied where the applicant has less than 2 years independent business experience. (While the applicant may have less than 2 years business experience, the applicant, or risk drivers, must still have a minimum of 2 years driving experience in the current vehicle class).

Discounts:
5% Paid in Full Discount
10% Claim-Free Renewal Discount

Fleets:
Will accept 1 to 4 units as a non-fleet risk. Risks with 5 or more units will be treated as Fleets, requires approval.
 

• Acrobat file of Underwriting Guidelines

• Vehicles operated outside a 500-mile radius from place of principal garaging. If the vehicle remains inside the state of California and exceeds the 500-mile radius, it is acceptable.

• Vehicles garaged outside the state of California

• Vehicles not registered in the State of California

• Emergency vehicles of any type (i.e. police cars, fire trucks, ambulances, etc..)

• Livery vehicles - public or private.

• Security guard vehicle if the drivers and/or passengers carry firearms. No vehicles that carry guard dogs are acceptable.

• Vehicles leased or rented to others by the insured, or, rentals with terms less than one (1) year.

• Vehicles used to haul hazardous or explosive materials.

• Steel haulers, Garbage trucks or hay haulers

• Vehicles that have permanently attached telescoping or "jointed" boom cranes.

• Vehicles operating under time constraints including pizza delivery, fast food delivery or courier services.

• Vehicles pulling triple trailers.

• Trailer only policies

• For-hire trucking risk requiring Hired Auto Coverage greater than 25% of gross revenue

• Unbaffled tank trucks with a carrying capacity over 1400 gallons. Any glass-lined tank truck.

• Mobile equipment, such as power shovels, cranes, rollers, drills, forklifts, chippers, trailers, or other vehicles designed primarily for off-road use.

• Vehicles used as a living facility.

• Kit cars, salvaged vehicles, dune buggies or vehicles with altered/modified suspensions.

• Grey Market Cars

• Risks subject to the Motor Carrier Act of 1980

• Risk whose listed drivers have unacceptable violations on their driving record or the drivers does not have the appropriate driver's license.

• Any Topa insured who has had coverage canceled and rewritten/reinstated with a lapse in coverage more than twice in the past 12 months.

• Any risk that does not meet the Driver/MVR STANDARDS - see page 17.

• Vehicles used in underground mining, tunneling, construction of bridges &/or dams, and oil
  and gas drilling.

• HEAVY/SPECIAL Use: Vehicles, which present a high degree of risk because of the type of load or the manner of operation. Examples include: ash removers, asphalt haulers, bulk dry fertilizer haulers, coal haulers, house movers, livestock haulers, scrap iron dealers, garbage / rubbish / waster haulers, truckman / common carriers, concrete mixers, magazine, mail, newspaper and star route delivery, ice cream vendors, caterers.

• SERVICE Use: Vehicles used exclusively in a business to transport equipment, tools and incidental supplies to or from a job location or used exclusively on a farm. Farm vehicles can make occasional trips to town, other nearby plots of land owned by the same farmer or trips to deliver their own harvest/produce.

• ULTRA Use: Farm, maintenance units, produce haulers special program. Farm vehicles can make occasional trips to town, other nearby plots or land owned by the same farmer or trips to deliver their own harvest/produce. Commercial units to maintain the insured’s premises.

• COMMERCIAL Use: Vehicles used exclusively in a business, which do not qualify as Heavy/Special, Personal, or Service. Intermodel Risks

• EXTRA HEAVY Use: Not otherwise classed - Underwriters discretion.

COMMERCIAL
Appliance Delivery - Wholesale
Apron, Linen Supply - Wholesale
Auto Parts Pickup
Baggage Transfer
Bakery - Wholesale
Bottled Water Delivery
Building Materials Delivery
Canneries Packing Plants
Caterers - Delivery
Cleaners
Excavating

Exterminators - Business * Residential

Farm to Market - For Hire
(Exempt Commodities Only)
Farmers - Hauls Goods
Fertilizer Delivery
Firewood Delivery - Wholesale
Fish and Seafood Delivery
Florist
Frozen Food Distributor
Frozen Food Delivery
Fruit Dealer
Furniture Delivery - Wholesale
Grocers - Wholesale
Junk Dealers
Mail Delivery Bulk
(Post Office to Post Office Only)
Meat Dealer
Mobile Home Escort
Moving Van/Truck
Pest Control - Business & Residential
Printing Delivery
 

SERVICE
Appliance Delivers - Residential
Applicant Repair
Bakery - Retail/Residential
Blacksmiths
Carpet Cleaners
Contractors, General Trade
Department Store - Delivery
Diaper Service
Farmers - Occasionally Leaves Farm
Firewood Delivery - Retail/Residential
Furniture Delivery - Retail/Residential
Furniture Repaid
Grocer - Retail/Residential
Handyman/Repairman
Heading and A/C Service
Janitorial Service
Landscapers
Laundry Delivery - Residential Only
Linen Supply - Residential
Milk Delivery - Retail/Residential
Mobile Auto Mechanic/Detailing
Photographers
Retail & Residential Delivery - All
Roofer
Surveyors/Inspectors
Swimming Pool Cleaners
Tree Surgeons/Trimmers
TV/Radio/VCR Repair
Welders

• Fax to: 858-444-3261