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| Builders & Tradesmen's Insurance Services, Inc. is very
pleased to announce a NEW Agency Auto Program providing commercial vehicle
tailor-made to meet the specific needs of Small Business Owners! From an
architect driving a personal vehicle for light business use to an electrician
with a fleet of 10 work trucks, this NEW Agency Auto Program has a custom
program designed for your customers. Send us your business today! Please fax
submission requirements to 916.772.9200 Attn: Auto Department.
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[ TOP ]
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| Eligible
Classes |
| Contractors |
| Carpentry |
| Contractor or
Artisan |
| Drywall (Sheetrock) |
| Exterior Repair Work |
| Flooring |
| General Contractor |
| Masonry |
| Plumbing |
| Roofing |
| Landscaping |
| Household,
Commercial, Repair Services |
| AC
& heating |
| Alarm
Installation |
| Architects |
| Cable
Installation |
| Collectors |
| Consultants |
| Decorators |
| Designers |
| Door-to-Door
Sales |
| Dry
Cleaner (non delivery) |
| Entrepreneur |
| Exterminators |
| Financial
Planners |
| Handyman |
| Insurance
Agents and Brokers |
| Locksmiths |
| Photographers |
| Real
Estate Agents |
| Delivery
Services |
| Catering |
| Firewood
Delivery |
| Furniture
Delivery |
| Ice
Cream Trucks |
| Mail,
Newspaper or Package Delivery |
| Messenger
or Courier Services |
| Prepared
Food Truck |
| Prepared
Meal Delivery (Meals-on-Wheels) |
| Retail
Delivery (Florist, Dry Cleaning, etc.) |
| Transportation,
Care & Courtesy Passenger Services |
| Consulting |
| Entertainers |
| Funeral
Services |
| Musicians |
| Nursing
Home |
| Realtors |
| Religious
Organizations |
| Retail
Operations |
| Sales
Representatives |
| Security
Services |
| Social
Services |
| Commercial
Trucking/Wholesale Mfg/Agriculture/Marina |
| Debris
Removal |
| Dirt/Sand/Gravel
Transport |
| Escort
Vehicles |
| Furniture
Movers |
| Mining
or Oil & Gas Industry |
| Wholesale
Manufacturing |
| Farm
Operations |
| Other
Agricultural Industries |
| Note:
This program is designed for the above commercial risks and more |
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| Ineligible Risks
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Airport/Hotel Shuttle Services
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Amish Taxi
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Church or Day Care Van
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Driving Schools
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Emergency Services
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Freight Forwarders
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Garbage/Waste Removal
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Limousine Service
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Livery for Hire
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Mobile Home Toters
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Non-Emergency Health Transportation
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Pizza Delivery
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Recycling Services
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Restaurant/Food Service Delivery
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Scrap Metal/Scrap Auto Services
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Septic Waste Removal
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Towing for Hire
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Trucking for Hire
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Binding Authority
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There is no binding authority for this program. All accounts
are subject to company underwriting and review.
General Program Information
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[ TOP ]
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| Policy
Coverages, Limits and Deductibles |
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Coverage
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Limits
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Deductibles
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Bodily Injury Liability &
Property Damage Liability
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15/30/5
15/30/15
25/50/15
25/50/25
50/100/25
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50/100/50 100/300/50
100/300/100
250/500/100
250/500/250
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Combined Single Limits Liability
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100k, 300k, 500k, 750k, 1mil
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Some trailers may not be eligible for liability coverage.
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BI/PD limits must be equal across all units
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Vehicles that require an MCP-65 filing with DMV must have liability limits of
750CSL or higher
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Vehicle with GVW greater than 10,000 lbs require liability limits of 750 CSL or
higher.
Medical
Payments Coverage is offered with the
following limits $500/$1,000/$2,000/$5,000 |
Uninsured Motorist Bodily Injury (UMBI) and Property
Damage (UMPD) is offered as follows:
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UMBI limits cannot exceed the limits chosen for BI.
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All autos on a multi-car policy must have the same UMBI limits
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UMPD coverage is only available at one limit: 3,500
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UMPD may be rejected
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UMPD coverage is only available when UM/UIM coverage is selected.
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UMPD coverage is available with CMP/Fire & Theft coverage.
Underinsured Motorist Bodily Injury (UIMBI) is
offered as follows:
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UIMBI may be rejected by the insured.
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UIMBI limits cannot exceed the limits chosen for BI except when minimum limits
are selected
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All autos on a multi-car policy must have the same UIMBI limits.
Physical Damage Deductibles - Physical
Damage only policies are acceptable in this program. The following
deductible options are available:
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| Available
Deductable Options |
| Comprehensive |
Fire/Theft
& CAC |
Collision |
| $100 |
$100 |
$100 |
| $250 |
$250 |
$250 |
| $500 |
$500 |
$500 |
| $1,000 |
$1,000 |
$1,000 |
| $2,500 |
$2,500 |
$2,500 |
| $5,000 |
$5,000 |
$5,000 |
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Collision, Comprehensive and Fire/Theft & CAC coverage require a stated
amount value.
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Comprehensive coverage is not available for all vehicles. Vehicles ineligible
for this coverage may choose
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Fire/Theft and Combined Additional Coverages
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Comprehensive and Fire/Theft CAC coverages may be written without Collision
coverage.
Stated Amount
Stated amount includes the current value of the vehicle including all
modifications, custom parts or additional equipment that is permanently
attached.
In the event of a loss we will pay the lesser of the stated amount, actual cash
value or cost of repair/replace. Vehicles with a stated amount listed that is
less than 90% of the actual cash value may require the customer to pay part of
the cost of the repair beyond the deductible amount.
Possible resources for determining stated amount:
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Market valuation publications & Internet sites
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Dealerships
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Manufacturers
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Manufacturers
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Lending/financial institutions
A minimum of $1,000 is required for rating purposes
Vehicles with stated amount values greater than $100,000 are not eligible for
physical damage coverage. AIG Agency Auto is not responsible for determining
the correct value of the vehicle.
Hired-Auto and Non-Owned Liability
Hired-Auto and Non-Owned Liability
coverage's are offered as follows.
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BI/PD coverages are required if Hired-Auto and Non-Owned Liability are
requested
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The limits must match the BI/PD limits selected
Waiver of Subrogation
Waiver of subrogation is purchased if the insured needs to
provide this to their client/customer. It waives AIG's right to sue their
client/customer in case of claim.
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A $25 fee will be charged for each waiver ordered
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$100 will be charged if order "blanket waiver of subrogation.
Policy Forms
To Follow
Policy Term
A policy may be written for a term of six (6) months or one
(1) year.
Policy Territory
Out of state exposure is not offered ( California risks
only). Policy coverage applies within the United States of America , its
territories and possessions, and Canada or between their ports. The policy does
not apply in Mexico . Insureds operating their vehicles in Mexico should secure
an automobile policy from an authorized Mexican insurance company at the point
of entry.
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** PD Liability limits may not
be higher than the per person BI Liability limits
*** Deductibles of $500 for
Comprehensive, Named Perils and Collision will apply to lienholders regardless
of insured's deductibles
**** Hired and Non-owned
Liability coverages must be written together and are required coverage for MCP
65 filings
Submission Requirements
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Submissions should include:
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Acord 125 and Acord 127 applications with complete vehicle ID numbers
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Complete Driver List with current MVR's
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Four (4) years hard copy loss runs
Fax applications to 916.772.9292 attn: Kim Matthews
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| Claims |
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888.244.6163 within 48 hours of loss.
Agency Auto Claims Service Center
2323 W. Rose Garden lane Phoenix , AZ 85027
New claim reporting: 888.AIG.6163
Claims fax: 607.251.6840
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| Frequently Asked Questions |
What is the desired premium?
Any size premium is acceptable.
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What is the desired fleet size?
Up to 20 vehicles in the fleet
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Is there coverage available in multiple states?
Exposures outside the state of California are not eligible.
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What are the vehicle size restrictions?
Vehicles up to 33,000 pounds Gross Vehicle Weight (GVW).
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Can Symbol 1 be used?
All vehicles must be owned by the insured and registered
the insured's name and listed on the vehicle schedule. All Acord application
general information questions must be completely answered.
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Edition 8/23/07
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