• Up to 20 vehicles in the fleet.
• Farm - Vehicles used strictly on a farm except for incidental trips.
• Artisan - Owner operator pick-ups, vans, utility vehicles and autos used exclusively by small businesses to transport equipment, tools, and supplies to and from a job location with 3 or fewer stops per day.
• Service - service/contractors; vehicles used in business to transport tools, equipment and supervisory personnel to and from a job site with 4-6 stops per day.
• Commercial - Vehicles with greater than 6 stops per day that do not belong in Heavy or Delivery use classes.
• Heavy - Vehicles which represent a high degree of risk because of load or manner of operation. Most dump trucks, trucks hauling rock, brick, debris, furniture movers, catering (food served from vehicle), and security services.
• Delivery - Vehicles used for residential/retail delivery of newspapers, mail, furniture, appliances, small packages, and other courier services. Delivery subject to time constraints is unacceptable.
• Personal - Vehicles used primarily for personal use and garaged at a private residence.
• Food Services - Vehicles used to support business by delivering prepared food, picking up supplies, running errands, etc. Delivery subject to time constraints is unacceptable.

• Anything that carries people (fellow employees are OK)
• Interstate or radius greater than 500 miles
• Risks regularly traveling outside the state of California
• Garbage Trucks, Logging Trucks or Steel haulers
• Emergency Vehicles
• Tow Trucks or wreckers
• Vehicles carrying explosive or flammable materials
• Companies that lease or rent vehicles to others.
• Time constraint delivery
• Mobile equipment
• Repossession businesses
• Drivers with suspended, canceled or revoked licenses - unless excluded from the policy (cannot exclude registered owner)
• Vehicles with a GVW in excess of 54,000 pounds
• Tandem or double trailers
• Vehicles requesting Physical Damage coverage with a stated amount values greater than $99,999
• Drivers with more than 11 surcharge points
• Any private passenger auto with a value over $60,000 if Physical Damage coverage is requested

Binding Authority

There is no binding authority for this program. All accounts are subject to company underwriting and review.

Rating, Discounts & Fees

Fees

• SR-22 - $50.00 for each new SR-22 (named insured/spouse only), $25 for renewals or to reinstate an existing filing
• Installment Fee - $10.00 non-EFT, $5.00 with EFT
• Late Fee - $15.00
• NSF Fee - $20.00
• Waiver of Subrogation - $25.00 for each waiver
• Additional Insured - $25.00 for each additional insured

• Combination Discount - applies to those who qualify depending on a combination of factors including:
• Financial Responsibility
• Proof of Prior Insurance - discount amount depends on the length and type of prior insurance, and the number of days lapse. Prior insurance type may be personal or commercial and the name on the prior declaration must match the named insured. Acceptable proof of prior insurance includes offer to renew or non-renewal notice, declarations page or computer generated ID card.

• Commercial General Liability (CGL) - available when proof of a CGL policy has been provided by the names insured.
• Paid-in-Full Discount - outside premium finance not eligible

• 50 miles
• 100 miles
• 200 miles
• 300 miles
• 500 miles