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Topa Insurance

Topa Insurance Company specializes in commercial lines and distributes its products solely through a selective network of wholesale brokers and general agents.  Topa writes admitted products in California and on an admitted or non-admitted basis in several other states.

General Liability

Wholesale Brokerage: ​​General Liability
Primary General Liability and Liquor Liability coverage available

Admitted States: California, Arizona, Colorado

Non-Admitted States: n/a

Class Examples

  • Course of Construction
  • Lessors Risk
  • Restaurants
  • Vacant Land
  • Distributors
  • Light Manufacturing
  • Office Parks/Buildings
  • Consultants

Capacity
Primary General Liability and Liquor Liability - 
$6,000,000

Minimum Premium
$1,500
$1,000 (Low Hazard Risk)

Excess Liability

Wholesale Brokerage: Excess Liability
Following Form Excess Liability

Admitted States: California, Arizona, Colorado, Nevada, Washington. No contractors in Colorado.

Non-Admitted States: Hawaii, Illinois, Oregon, U.S. Virgin Islands

Class Examples

  • Contractors
  • Property Owners
  • Apartment Owners
  • Lessors Risk
  • Restaurants
  • Course of Construction
  • Hotels/Motels
  • Distributors
  • Homeowner Associations
  • Appliance Delivery
  • Office Parks/Buildings
  • Consultants
  • Retail
  • Industrial Parks
  • Landscape Maintenance
  • Janitorial

Capacity
$10,000,000

Minimum Premium
$1,500
$1,000 (Low Hazard Risk)

Property

Wholesale Brokerage: Property
Basic, Broad and Special Form (excluding earthquake)

Admitted State: California, Arizona

Non-Admitted States: n/a

Class Examples*

  • Apartments/HOA’s
  • Builder’s Risk
  • Lessors Risk Only
  • Machine Shops
  • Manufacturing – Light Furniture & Wood Products
  • Motels (No Chains)
  • Offices
  • Residential Adult Care
  • Restaurants/Bars/Taverns/Nightclubs
  • Retail Stores/Shopping Centers/Grocery Stores
  • Warehouses and Wholesale Distributors
  • *Availability Dependent on Broker Classification

Minimum Premium
$1,500

Excess
Topa will consider excess property coverage only

  • In excess of primary policies written by
    • Admitted companies rated B++ or better
    • Selected non-admitted companies
  • No catastrophic perils or DIC coverage

Excess Minimum Premium
$2,500

Package

Wholesale Brokerage: Package
Basic, Broad and Special Form (excluding earthquake)

Admitted State: California

Non-Admitted States: n/a

Class Examples*

  • Builder’s Risk
  • Lessors Risk Only
  • Manufacturing – Light Furniture & Wood Products
  • Motels (No Chains)
  • Offices
  • Restaurants/Bars/Taverns
  • Retail Stores/Shopping Centers/Grocery Stores
  • Warehouses and Wholesale Distributors
  • *Availability Dependent on Broker Classification

Minimum Premium
$2,000

Commercial Auto

COMMERCIAL AUTOMOBILE INTRA-STATE PROGRAM
Commercial Automobile Liability and/or Physical Damage in the states of California and Georgia

Target Classes:
Intra-state business auto, motor carrier trucking, max radius of 500 miles or less within California and Georgia with newer vehicles and experienced drivers that are loss free in these classes:

  • Sand & Gravel Haulers
  • Container Haulers
  • Produce Haulers
  • General Freight Haulers
  • Tow Trucks
  • Business Auto/Artisans

Distribution:
Appointed General Agents only. (No retail agents.)
Topa will also consider Programs.

Applications:
Topa applications preferred but ACORD applications are acceptable. Current MVRs, vehicle registrations and loss runs must be submitted.

Coverage Limits

  • BIPD for scheduled autos only - 15/30/10 to $1,000,000 CSL
  • Med Pay - $1,000, $2,000 or $5,000
  • UMBI - 15/30, 25/50, 30/60
  • UMPD - $3,500
  • Physical Damage - Stated Amount basis for specified perils & collision coverages
  • Cargo - up to $100,000 (some cargo commodity exclusions apply)
  • On-Hook Towing - $25,000, $50,000 or $100,000
  • Towing & Storage - $5,000 or $10,000
  • Non-owned auto and hired auto upon approval only, no sub haul over 25% of gross revenue

Minimum Premium
$500 for Cargo + $500 for all other coverages combined

Physical Damage rating and coverage based on stated amount (current reported market value) not cost new

Ineligible Classes

  • Vehicles operating outside a 500-mile radius from place of principal garaging address.  If the vehicle remains inside the state of California, yet 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.)
  • ​Security guard vehicles carrying guard dogs or the drivers and/or passengers carry firearms
  • Livery Vehicles, public or private
  • Vehicles leased or rented to others by the insured
  • Vehicles used to haul hazardous/explosive materials
  • Steel Haulers (ex. steel pipes, I-beams), Garbage Trucks or Hay/Alfalfa Haulers
  • Vehicles that have permanently attached telescoping or “jointed” boom cranes (ex. "cherry pickers")
  • Vehicles operating under time constraints including pizza delivery, fast food delivery or courier services
  • Vehicles pulling triple trailers
  • For-hire trucking risk requiring Hired Auto Coverage greater than 25% of gross revenue
  • Non-baffled tank trucks with a carrying capacity over 1400 gallons.  Any glass-lined tank trucks
  • Mobile equipment, such as power shovels, cranes, rollers, drills, forklifts, chippers, or other vehicles designed primarily for off-road use
  • Vehicles used as a living facility
  • Kit cars, salvaged vehicles, dune buggies, grey market vehicles or vehicles with altered/modified suspensions
  • Risks subject to the Motor Carrier Act of 1980
  • Risk with a driver who has a major violation on their driving record, a driver that does not hold the appropriate license class, or a driver who does not have sufficient license class experience of at least 36 months
  • Any Topa insured who has had coverage canceled and rewritten/reinstated with a lapse in coverage more than twice in the past 12 months
  • Vehicles used in underground mining, tunneling, construction of bridges and/or dams, and oil and gas drilling
  • No bobtail tractors or Trailer only policies (All tractors must have an assigned trailer)
  • Pipe haulers (ex. steel pipes, concrete pipes)
  • Cement Mixing Trucks
  • Bulk Liquid Haulers (other than Water in baffled tankers)
  • Any tractor pulling a load that requires a pilot vehicle
  • Mobile home or mobile office haulers
  • Camper trailers or mobile home trailers attached to either 5th wheel pickups or tractors

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