Light & Local. Light vehicles (e.g., SUVs, pickup trucks) with local operations
Vehicle is Tool in the Business. Vehicle used as a tool in the overall business; operation of the vehicle is not the core business (like delivery or trucking)
Target Business Classes
Artisan Contractors & Trades
Provide specialized services in a specific trade or craft (typically smaller-scale projects).
Examples Plumbers, electricians, carpenters
Auto Services
Provide vehicle maintenance and repair services.
Examples General auto repair, glass replacement, interior repair
Consulting
Provide advisory services and solutions to businesses.
Examples Business strategy consulting, IT consulting, HR consulting
Educational Services
Provide various learning experiences.
Examples Technical and trade schools, other educational services
Religious & Civic Services
Promote community welfare and spiritual growth.
Examples Religious organizations, civic and social organizations
Business Services
Provide range of services to businesses to support their operations.
* 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.
