Available Coverages

Transportation Division

Commercial Property & Casualty

Garage Liability

Personal Lines

 

TRANSPORTATION  DIVISION

Radius: Local, Intermediate and Long Haul, Fleet and Non-Fleet

Coverages:

  • Liability
  • Physical Damage
  • Motor Truck Cargo
  • Excess Automobile Liability
  • Bobtail/Deadhead Liability

Various Classes Written:

  • Public Auto including Limousines, Day Care, School Buses, Church Buses Social Service Vehicles and Non-Emergency Medical Transport
  • Ambulances - emergency and non-emergency
  • Appliance delivery
  • Artisan Contractors' Service Vehicles
  • Asphalt & Paving
  • Auto Parts, Auto Repair
  • Auto Transport
  • Blood Mobile
  • Catering
  • Cement/Redi-Mix
  • Container Hauler
  • Crane or Boom Trucks
  • Debris Removal/Garbage Haulers
  • Dump Trucks
  • Exterminators
  • Florist Delivery
  • Funeral Directors
  • Grain
  • Heavy Equipment
  • House Movers/Household Goods Movers
  • Livestock Haulers
  • Mail Haulers
  • Produce Haulers
  • Roofers
  • Vacuum Trucks
  • Wreckers
  • Waste Disposal including Septic Installation

 COMMERCIAL PROPERTY/CASUALTY

Property

  • Bars
  • Bowling Alleys
  • Builders Risk
  • Grocery Stores
  • Laundromat - Self-Service
  • Vacant Property
  • Master Mortgage Policies
  • Motels
  • Night Clubs
  • Security Guards
  • Unprotected property
  • Wood workers

General Liability

  • Air Conditioner Repair
  • Appliance Repair
  • Athletic Games
  • Auto Dismantling
  • Auto Repair
  • Auto Shows
  • Auctioneers and Auction Sales
  • Boat Yards
  • Building Material Dealers
  • Barber & Beauty Shops
  • Batting Cages
  • Cabinet Shops
  • Cable Installers
  • Car Washes
  • Carpentry
  • Caterers
  • Chimney Sweeps
  • Christmas Tree Lots
  • Churches
  • Clubs (not riding or swimming)
  • Concessionaires
  • Contractors' Equipment
  • Conventions
  • Day Care Centers
  • Debris Removal
  • Electrical Wiring
  • Excavation
  • Exterminators
  • Florists
  • Fruit & Vegetable Dealers
  • Garbage Collection
  • Grading of land
  • Haunted Houses
  • Independent Contractors
  • Janitorial Services
  • Junk Dealers
  • Landscape Gardening
  • Logging & Lumbering
  • Lumber Yards
  • Liquor Stores
  • Masonry
  • Metal Erection - Decorative or Artistic
  • Metal Goods Manufacture
  • Miniature Golf Courses
  • Nurserymen
  • Painting and paperhanging
  • Piano Tuning
  • Pile Driving
  • Plumbing
  • Prefabricated Building Erection
  • Refrigeration Equipment Installation/Repair
    •
  • Roofing
  • Security Guards
  • Septic Tank Systems - cleaning
  • Septic Tank Systems - installation & repair
  • Sewer cleaning
  • Sheet metal work - outside
  • Siding installation
  • Sign Painting or Lettering
  • Solar Energy Contractors
  • Swimming Pool Maintenance
  • Television or radio - installation or repair
  • Tree Pruning
  • Truckmen
  • Underpinning of buildings
  • Upholstering
  • Welding or cutting
  • Window Cleaning (not exceeding 3 stories)
    •
  • Wrecking of buildings or structures

Other classes not listed will be considered. Call your Underwriter for more information.

 

GARAGE COVERAGES

LIABILITY - UP TO $2,000,000

SPECIFIED AUTO PHYSICAL DAMAGE

DEALERS PHYSICAL DAMAGE - ALL CLASSES ($3,000,000 IN-HOUSE AUTHORITY)

GARAGEKEEPERS - LEGAL & DIRECT PRIMARY

USED CAR DEALERS - HAZARD I

  • Private Passenger
  • Tractor/Trailer Dealer Liability Sales & Repair
  • Garbage Trucks, Sales & Repair
  • Recreational Vehicles, Motor Homes, Sales & Repair

GARAGE HAZARD II - REPAIR

  • Auto Repair - All Classes (No Racing)
  • Auto - Paint & Body
  • Auto - Window Tint
  • Car Washes
  • Farm Implements, Dealers - Used
  • Muffler Shops
  • Quick Lubes
  • Service Stations
  • Tire Stores - Sales, Service, Repair including Mobile

SPECIAL CLASSES

  • Auto Auctions
  • Auto Dismantling/Salvage Yards
  • Consignment Sales
  • Valet Services
  • Wrecker Service Packages

SOME BROADER COVERAGES AVAILABLE

  • CGL Supplemental (Company Approval Only)
  • Fire Legal - Up to $100,000
  • Four (4) Contract Drives per month - no charge
  • Medical - Auto, Premises or Both
  • Unlimited Radius

PERSONAL LINES COVERAGES

  • Homeowners - A
  • Homeowners - B
  • Dwelling Fire
  • Vacant Property
  • Scheduled Items
  • Builders Risk
  • Mobile Homes
  • Farm & Ranch-A&B
  • Farm Liability
  • Renovation
  • Contents in a Mini Storage
  • Personal Umbrella up to $5,000,000