Commercial Automobile/Truck
Liability and/or Physical Damage.
Heavy Special Use: Truckers for hire (including contract and common carriers).
Service Use: Vehicles used for transporting insured's personnel, tools, equipment and incidental supplies to/from job locations.
Ultra Use: Vehicles parked for the majority of the working day (some artisan contractors), agricultural haulers and farm vehicles.
Commercial Use: Truckers not for hire or any not otherwise classified above.
Class Examples
Sand & Gravel Haulers
Container Haulers
Produce Haulers
General Freight Haulers
Tow Trucks
Applications
Topa application is preferred but ACORD is acceptable.
Current MVR's must be submitted
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Capacity
15/30/10 to $1,000,000
Med Pay - $1,000, $2,000 or $5,000
UMBI - 15/30, 25/50, 30/60
UMPD - $3,500
Specified Perils only
Collision
Minimum Premium
$500.00
Rating based on current value not cost new.
Ineligible Classes
Vehicles operated outside a 500-mile radius.
Emergency vehicles.
Livery Vehicles - public or private.
Vehicles used to haul hazardous/explosive materials.
Vehicles operating under time constraints (i.e. pizza delivery, courier services).
Security guard vehicles (if the drivers and/or passengers carry firearms).
Vehicles that carry guard dogs.
Vehicles leased or rented to others by insured.
Drivers must be 24-67 years of age.
Mobile equipment.
Vehicles used as a living facility.
Trailer only policies (for liability).
Units with booms or cranes.
Steel Haulers, Hay Haulers or Garbage Trucks.
Pulling triple trailers.
Risks with more than 25% sub-haul exposure.
Vehicles not registered or garaged in California.
Unbaffled tank trucks with a carrying capacity exceeding 1400 gallons.
Vehicles used in underground mining, tunneling, and oil and gas drilling.
Vehicles used in construction of bridges and/or dams.
Risks with glass-lined tank truck.
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