Commercial Auto

	Reduced Rates
	16% Commission
	Online Price Indicator
	Instantly Rate up to 4 Vehicles
	Online Submissions - No Acord Application Required
	Instant Issue Vehicle ID Cards
	MVR's Not Required
	6 or 12 Month Policies
	No Credit Check Required
	California Only
	Admitted A+ XIV Rated Carrier by A.M. Best Co.

What's New
Target Classes
Ineligible Risks
Underwriting Guidelines
Rating Information
General Program Information
Claims Information
Frequently Asked Questions


Our Victory® Commercial Auto Program has been completely re-vamped. We have reduced rates, significantly improved the submission process and added many new features to our system. Rate a risk today and see our great rates, our easy-to-use system and fastest turn around times in the industry!
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Target Classes

Contractors

Air Conditioning/Heating
Auto Parts
Carpenters & Cabinet Makers
Carpet/Floor Installation
Concrete & Paving
Drywall
Dry Cleaning & Laundries
Electrical
Excavation
Farm & Ranch
Fence Installation
General Contractors
Glaziers
Janitorial/Maintenance
Landscape Gardening
Masonry
Nurseries
Painting/Wallpapering
Plumbing
Refrigeration
Sheet Metal Work
Swimming Pools
Tile and Stone
Sales Representatives & Consultants

Retail or Wholesale

Auto Parts & Accessories
Dry-cleaning & Laundries
Nurseries

Farm & Ranch

All Qualifying Vehicles
Machine/Equipment Repair

Manufacturing

Component Parts
Finished Products

Special Classes

Physical Damage Only
Water trucks are OK as long as they are under 45,000 GVW and under $75,000

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Ineligible Risks

Any former Commerce West Insurance Company policyholder who:
- has an unpaid balance due, unless the balance is submitted in addition to the correct down payment for the new policy, or
- has had coverage canceled and rewritten or reinstated with lapse more than twice in the past three years.
All Truck Tractors
All semi-trailers with a load capacity of more than 2,000 pounds and equipped with a fifth wheel coupling device for use with a truck tractor.
All Trucks with GVW Over 45,000 Pounds
Ambulances
Amusement Devices Mounted on Commercial Vehicles
Buses
Catering Trucks
Concrete Ready-mix Trucks
Emergency or Law Enforcement Vehicles
Fast Food Delivery (Including Pizza Delivery)
Garbage Removal Vehicles
House Movers
Ice Cream Vendors
Leasing or Rental Firms
Logging Vehicles, Except Support Vehicles
Motor Homes
Newspaper Delivery
Public or Private Delivery Vehicles, Including Limousines and Taxi Cabs
Tow Trucks
Unlicensed Drivers
Common Carriers
Vehicles Garaged in States Other than California
Vehicles Leased or Rented to Others by the Insured
Vehicles Not Licensed for Use on Public Roads
Vehicles Requiring an I.C.C. Filing or Subject to the Motor Carrier Act of 1980
Vehicles Not Manufactured for Sale/Distribution in the United States

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Underwriting Guidelines

The program is seeking non-fleet risks (4 or less vehicles) that meet the following characteristics.

Discount is received if prior insurance has not lapsed over 30 days.
Liability Limits from 15/30 up to 1,000,000 CSL
No Truckers Policy
Dump trucks are OK for construction use. No sand and gravel haulers.
No vehicles over 45,000 pounds GVW.
No tax liens for bankruptcies for the named insured within the previous 3 years.
Physical damage only are accepted (comp/named perils must be written in conjunction with collision coverage).

Vehicles

Size
Light to heavy vehicles are acceptable.

Physical Damage Limit
Light to heavy vehicles are acceptable.

MCP - 65
Available with $35 filing fee.

SR -22
For the Named Insured only (no charge).

MCS 90 & ICC
These filings will not be made.

Policy Forms
Victory® Commercial Auto forms are available on the Price Indication page.

Policy Term
A policy may be written for a term of 6 months or 12 months. A policy must generate a premium of at least $500 in order to qualify for a 6 month term. Semi-annual premiums of less than $500 must be written on an annual term.

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Rating Information

Radius Classes

Local (0-50 miles)
No regular or frequent operation of the vehicle beyond 50 miles from the place of principal garaging

Intermediate (51-200 miles)
Operation of the vehicle more than 50 miles from the place of principal garaging, but no regular or frequent operation of the vehicle more than 200 miles from the place of principal garaging.

Long Distance (over 200 miles)
Regular and frequent operation of the vehicle more than 200 miles from the principal garaging location.

NOTE: Once or more a month is considered regular or frequent operation.

Vehicle Size

1. Light Trucks - GVW of 10,000 Pounds or Less

2. Medium Trucks - GVW of 10,001 to 20,000 Pounds

3. Heavy Trucks - GVW of 20,001 to 45,000 Pounds

4. Service or Utility Trailers - trailers with load capacities of 2,000 pounds or less. This applies to Comprehensive and Collision coverages only. Liability is automatically included.

5. Trailers - all other types of trailers with load capacities of more than 2,000 pounds.

6. Private Passenger Vehicles:

1. Standard - private passenger vehicles of the coupe, sedan and station wagon type

2. Sports and high performance - private passenger vehicles with ISO performance designations of "I", "H", "P" or "S". $50,000 or more.

3. Four-Wheel Drive - multipurpose vehicles, SUV's, with four-wheel drive. This does not apply to coupes, sedans, station wagons, trucks or van type vehicles.

Use Classes

7.	Service Use - vehicles used for transportation of equipment, tools, incidental supplies and personnel of the insured to or from a job location. This classification applies only to those vehicles that are principally parked at a job location for the majority of the workday or to transport supervisory personnel between job sites. Also included in the class are vehicles exceeding one ton load capacity that is used for the "pleasure use only".
8.	Retail Use - vehicles used for picking up property from, or delivering property to, individual homes.
9.	Commercial Use - vehicles used to pick up or deliver property, and not classified as retail or service use.
Note: Miscellaneous use is considered Commercial Use.
* Surcharge applies to drivers under the age of 25.

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General Program Information

Coverage	Limits	Deductibles
Bodily Injury Liability	15/30, 25/50, 50/100, 100/300, 250/500, 500/1000 & 1000/1000	---
Property Damage Liability	10, 25, 50 & 100 ¹	---
Combined Single Limits Liability	300k, 500k, 750k, 1mil	---
Uninsured/Underinsured Motorist Bodily Injury	15/30, 25/50, 30/60 50/100, 100/300, 250/500, 500/1000 & 1000/1000	---
Medical Payments	$1,000, 2,000, 5,000	---
Physical Damage (Comprehensive & Named Perils)	Current Value $75,000 Maximum	$250, 500, 1,000 & 2,500 ²
Physical Damage (Collision)	Current Value $75,000 Maximum	$250, 500, 1,000 & 2,500 ²
Uninsured Motorist Collision Damage Waiver	---	Waivers of $250, 500, 1,000 & 2,500
Uninsured Motorist Property Damage	---	$3,500 & 5,000
Non-owned & Hired Auto Liability ³	Same as Policy's Liability limits	---
Drive Other Car	Same as Policy's Liability and Medical Payments Limits	---
Hired Auto Physical Damage	Not Available	---
Stereos/Sound Systems	Specified Value	Same as Vehicle's
Additional Equipment/Modifications	Specified Value	Same as Vehicle's

¹ PD Liability limits may not be higher than the per person BI Liability limits.

² Deductibles of $500 for Comprehensive, Named Perils and Collision will apply to lien holders regardless of insured's deductibles.

³ Hired and non-owned Liability coverages must be written together and are required coverage for MCP 65 filings.

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Claims Information

To insure the most immediate and efficient response, Commerce West Insurance Company prefers that claims be reported directly by the policyholder or claimant. Their trained claims staff will begin processing and investigation the claim at the time it is reported.

Commerce West Insurance Company
8:30 a.m. - 4:45 p.m. 800.244.1545
After hours (24 hr. service) 800.856.7658

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Frequently Asked Questions

What is the desired premium?
Any size premium is acceptable.

What is the desired fleet size?
Up to 20 vehicles is acceptable.

What classes of business are desired?
Mainly contractors with service class risks (see above for a partial list). For other commercial risks, please contact our Commercial Auto underwriter Kim Matthews at 916.772.9200 or kmatthews@btisinc.com

Is there coverage available in multiple states?
Exposures outside the state of California are not eligible.

What are the vehicle size restrictions?
No trucks over 45,000 in Gross Vehicle Weight.

What Liability Symbols are used?
Symbols 7 (specifically scheduled vehicles), 8 and 9 (hired and non-owned) are used in the program.

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Edition 03/19/09

This information is provided as a guideline only and is subject to change with or without notice.