Homestate Companies
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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 |
| About the Company |
Homestate Companies is a regional specialty insurance carrier that bridges the gap between standard commercial lines companies and surplus lines markets by providing insurance coverage for moderate to high hazard risks. Each of our specialty divisions are managed and underwritten by insurance professionals who understand the unique characteristics and challenges of risks in their segment. This approach results in tailored coverages, better service, and competitive premiums for our policyholders.
Our specialty segments include: Monoline commercial specialty auto, Construction and Commercial package.
Whether you are searching for a company that writes monoline coverages or a carrier to package your specialty account, Homestate Companies offers a variety of products that bridge the gap between standard and surplus lines - all with the financial strength and security of an A++ A.M. Best Rating. |
| Driver Guidelines |
If a Driver falls into the categories below as acceptable, no call is necessary to underwriting, just forward the driver information to us.
- No major violations in the past five (5) years
- No more than two (2) minor violations in the past three (3) years with zero (0) at-fault accidents or no more than one (1) at-fault accident with one (1) minor violation
- Two (2) at-fault accidents in three (3) years will not be acceptable
- All drivers operating light or medium vehicles exclusively, must be age 21 or over
- All drivers operating heavy or extra-heavy trucks or tractor-trailer units must be age 23 or older with at least two (2) years of like-vehicles experience and Class A CDL
- All drivers operating passenger transport vehicles that require a CDL license must have at least 2-years of like experience. (CDL for 2 years)
- Drivers over the age of 70 will be reviewed on a case-basis and need underwriting approval
Minor Violations:
- Failure to yield
- Speeding
- Illegal passing
- Defective equipment where points are assessed
- Stop sign/stop light violation
- Careless operation
- Improper turn
- Following too closely
- Any moving violation where points are assessed
Major Violations:
- Drag racing or speeding contest
- Speeding in excess of 20 miles per hour over the speed limit
- Driving under the influence of alcohol or narcotics (DWI or DUI)
- Open alcohol containers
- Reckless, careless, improper/negligent driving
- Refusal to take alcohol test
- Illegal possession of alcohol or narcotics in a motor vehicle
- Fleeing or attempting to elude a police officer
- Revocation or Suspension of License
**These guidelines apply to both existing drivers and newly hired drivers**
**Accommodations can only be made by your underwriter** |
| Work Comp Program (Password needed) |
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| Target Classes |
- Agricultural Haulers (up to 500mi Radius)
- Dump Truck Operations, Sand & Gravel
- Special Occasion Limo Services
- Airport Shuttle Services
- Tow Truck Operations
- Ready Mix Operations
- Day Care Vans
- Household Goods Movers (Local)
- General Commodity Haulers (Local & Intermediate)
- Mail Delivery Services
- Courier Services
- Standard Monoline Auto
- Excavators
- Contractor Fleets
- Landscapers
- Wholesale Nurseries
- Landscape Supply Operations
- Wholesale Distributors
- Catering Services
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| Radius Description |
- 0-75 Local
- 76-500 Intermediate
- 200-300 (Only acceptable for Agricultural Haulers, no others will be considered.)
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| Requirements |
1-9 Units:
*Quick Quote sheet does not replace Acord application. A Complete Acord Application will be required at binding.
10+ Units:
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| Billing Programs |
Annual Billing
- Any policy is eligible for this billing option.
Semi- Annual (Installment fee $8)
- Any policy with more than a $500 annual premium is eligible. We require 50% down at inception. The final installment is due 150 days after the inception date.
Quarterly (4-Pay, Installment fee $8)
- Any policy with more than $1000 in annual premium is eligible for this billing option. 25% due at inception and the remaining installments will be due 60, 150, and 240 days after the inception date.
Monthly (10-Pay, Installment fee $8)
Any policy with more than a $3000 annual premium is eligible for this option. 25% is due at inception and the balance is spread over nine (9) installments beginning 30 days after the inception date and every 30 days thereafter. |
| Dump Truck Program |
Basic Requirements:
- Up to 2 Power Units and 2 Trailers
- No drivers under age 23 or over 70
- No Hazardous Material Hauling
- New Ventures are acceptable as long as they have at least 4 years of CDL experience
Instant App/Quote for Dump Trucks
Dump Truck Supplemental Application |
| Additional Documents for Download |
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| Submitting the Adobe form(s) |
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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