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Topa Insurance

Commercial Lines

TPCI - Package, Property, Liability

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

Admitted States: Arizona and California

TPCI and Excess combined liability cannot exceed $1,000,000

Excess Liability

Admitted States: Arizona, California, Colorado, Nevada, Washington

TPCI and Excess combined liability cannot exceed $1,000,000

Commercial Auto

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

Appointed General Agents only (No retail agents)

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


  • BIPD for scheduled autos only - $100,000 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

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