Please refer to our Topa Premier Commercial Insurance (TPCI) page for more details.

Admitted States: Arizona and California

Non-Admitted States: n/a

Wholesale Brokerage: Excess Liability
Following Form Excess Liability

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

Non-Admitted States: 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
$5,000,000

Minimum Premium
$1,500

Commercial Automobile Intra-State Program
Commercial Automobile Liability and/or Physical Damage in the state of California

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

• Artisans/Construction Workers
• Business Auto
• Container Haulers
• General Freight Haulers
• Household Goods Movers
• Produce Haulers

Distribution:
Appointed General Agents only (No retail agents)

Applications:
Topa application required. Current MVRs, vehicle registrations and loss runs must be submitted.

Coverages

• BIPD for scheduled autos only - $100,000, $300,000, $500,000, $600,000, $750,000 or $1,000,000 CSL
• Med Pay - $1,000, $2,000 or $5,000
• UMBI - $100,000 per occurrence
• UMPD - $3,500
• Physical Damage (*ACV) - Specified perils, Comprehensive & 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

​*ACV=Actual Cash Value

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

Ineligible Risks

• 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
• Sand/Gravel haulers and towing risks
• Vehicles garaged and/or registered outside the state of California
• Vehicles leased or rented to the insured for a term less than 12 months
• Vehicles used as a living or work facility (i.e. motor home, mobile home or mobile office)
• Any risk that does not meet the DRIVER/MVR standards (see DRIVERS section, 13 in our Commercial Auto Underwriting Guidelines)
• Vehicles used in mining, tunneling, construction of bridges and/or dams, and oil and gas drilling
• Vehicles that haul hazardous, flammable or explosive substances
• Vehicles that haul bulk liquids, pipes/beams, hay/alfalfa, or cotton within 72 hours of ginning
• Vehicles that require a pilot vehicle, pull triple trailers or have unbaffled/glass-lined tank trucks over 1400-gallon capacity
• Vehicles used as emergency, repossession, refuse, livery, bobtails, cement mixing, delivery/courier or security guard vehicles
• Kit cars, salvaged/grey market vehicles or off-road vehicles
• Vehicles that have attachments (e.g. cranes) or alterations
• Vehicles that are owned by the insured and rented or leased to others
• If the risk is required to comply with the Motor Carrier Act of 1980 (due to hazardous material hauling)