Select an option below:
  • What We Like
  • What We Don't Like
  • Product Highlights
  • Recent Account Wins

What We Like

Forge Ahead!

 

 

Light & Local. Light vehicles (e.g., passenger vehicles and vans) with local operations​​

Target Business Classes

taxi-1

Taxi

Metered vehicle licensed to provide taxi services to passengers. No wheel-chair exposure (if incidental, refer to underwriter).​

sedan

Sedan

Unmetered vehicle that provides passenger transportation on a for-hire basis. No wheel-chair exposure (if incidental, refer to underwriter).

limo

Limousine​

Unmetered vehicle that provides passenger transportation on a pre-arranged basis and for special events. No wheel-chair exposure (if incidental, refer to underwriter).

amish taxi

Amish Taxi​

Unmetered vehicle that provides employee transportation to and from worksite. No wheel-chair exposure (if incidental, refer to underwriter).

school transport-2

School Transport​

Unmetered vehicle (typically passenger van) that provides transportation on a pre-arranged basis to children to (and from) after-school events, extracurricular events, daycare. No school buses (if incidental, refer to underwriter).

Target Vehicle Types

What We Don't Like*

Pump the Breaks!

Prohibited Business Classes

  • Non-Emergency Medical Transport (NEMT)​
  • Emergency Medical Transport (Ambulances)​
  • Long-Haul Passenger Transport (Charter Buses)​
  • Last-Mile Delivery​

Prohibited Vehicle Types

  • School Buses
  • Large Buses (> 35 passengers)
  • Electric Vehicles (EVs) - Physical Damage Coverage

Recent Account Wins

*This is not a complete list of ineligible classes or exposures, but it is indicative of the types of business class segments and exposures generally not available. If you have an account that has incidental exposures related to an otherwise eligible account, we urge you to reach out to our underwriters to discuss. 

Product Highlights

Target Business Class Segments
  • Full list of target NAICS codes
Eligible Account Size
  • Nine (9) or fewer qualifying vehicles -  submit in FIRE portal
  • 10+ vehicles  - submit to Underwriting inbox 
    • All fleet sizes require Loss History
Eligible Vehicles
  • Unmodified passenger vehicles and SUVs
  • Limos and passenger vans
  • Small buses (< 35 passengers)
Radius of Operation
  • < 50 miles from garage location
  • 50-200 miles referred to underwriter
  • > 200 miles not eligible
Motor Vehicle Reports and Loss Runs
  • 3-5 Years loss history and MVR's required​ on all submissions
    • Contact Underwriter for exceptions (newer ventures or MVR's not available for initial quote indication)

Vehicle Symbols
  • Symbol 7. Specifically described autos
Driver Eligibility
  • 25-70 years of age with acceptable history
  • 70+ requires medical certificate
  • 2 or fewer accidents last 36 months
  • Current and valid driver’s license required
  • Discounts available with CDL
Limits Available
  • Liability. Up to $1,500,000 CSL  ($5M available on exception)
  • Comprehensive & Collision. Up to $100,000 Stated Amount
  • Medical Payments & PIP. Varies by state
  • UM & UIM. Varies by states, typically up to $100,000 CSL
school transport-2
School Transport
Ohio
(2 units)
-_sedan
Sedan​
Minnesota
(3 units)
-_Taxi
Taxi​
Virginia
(1 unit)
-_Limo
Limo
Minnesota
(1 unit)
school transport-2
School Transport
Minnesota
(5 units)
passenger van
Amish Taxi
Pennsylvania
(3 units)
passenger
Passenger Vehicles

suv
SUVs

mini bus
Passenger Vans

limo
Limos
passenger van
Mini Buses
(< 35 passengers)

Ready to Work With Us?