Small Business
- Commercial Auto
- Small Business
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., 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.
Examples
Temporary staffing, travel agencies, landscaping
Entertainment Services
Provide pleasure or amusement to patrons through products and services.
Examples
Theaters, museums, golf courses, rec centers
Hospitality Services
Provide products and services related to travel and tourism.
Examples
Hotels and resorts, restaurants and cafes
Professional Services
Provide expert services (that often require a professional license) to individuals or companies.
Examples
Accountants, lawyers, marketing consulting
Repair & Maintenance Services
Provide services related to the upkeep of equipment and infrastructure.
Examples
IT repair, appliance repair
Retail Stores
Sell goods and services from a brick-and-mortar location.
Examples
Grocery stores, convenience stores, florists
Real Estate
Provide services related to the purchase, sale, lease, rental, or appraisal of real property.
Examples
Real estate agents, property management
Target Vehicle Types
What We Don't Like*
Pump the Breaks!
Prohibited Business Classes
- For-Hire Trucking
- Towing & Wrecking
- Farm & Livestock
- Last Mile Delivery
- Trash & Recycling
- Street & Road Paving
- Pilot Escort
- Driving Schools
- Fast Food Delivery
- Garage & Auto Dealers
- Recreational Vehicles
- Home Movers
- Junk Hauling
Prohibited Vehicle Types
- Heavy Vehicles (> 26,000 lbs.)
- Tractor Trailer Exposures
- Trailer-Only Policies
- Mobile Equipment
- Subject to USDOT FMSCA Regulation
- 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 |
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Eligible Account Size |
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Eligible Vehicles |
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Radius of Operation |
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Motor Vehicle & CLUE Reports |
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Preferred Vehicle Symbols |
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Driver Eligibility |
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Limits Available |
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