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 and trades

Artisan Contractors & Trades​

Provide specialized services in a specific trade or craft (typically smaller-scale projects).

Examples
Plumbers, electricians, carpenters

-_Auto services

Auto Services​

Provide vehicle maintenance and repair services.

Examples
General auto repair, glass replacement, interior repair

-_Consulting

Consulting​

Provide advisory services and solutions to businesses.

Examples
Business strategy consulting, IT consulting, HR consulting

-_Educational services

Educational Services​

Provide various learning experiences.

Examples
Technical and trade schools, other educational services

 

-_Religious & civic services

Religious & Civic Services

Promote community welfare and spiritual growth.

Examples
Religious organizations, civic and social organizations

-_Business services

Business Services​

Provide range of services to businesses to support their operations.

Examples
Temporary staffing, travel agencies, landscaping

-_Entertainments services

Entertainment Services​

Provide pleasure or amusement to patrons through products and services.

Examples
Theaters, museums, golf courses, rec centers

-_Hospitality services

Hospitality Services​

Provide products and services related to travel and tourism.

Examples
Hotels and resorts, restaurants and cafes

-_Professional services

Professional Services​​

Provide expert services (that often require a professional license) to individuals or companies.

Examples
Accountants, lawyers, marketing consulting

-_Repair and Maintenance services

Repair & Maintenance Services​

Provide services related to the upkeep of equipment and infrastructure.

Examples
IT repair, appliance repair

-_Retail stores

Retail Stores​

Sell goods and services from a brick-and-mortar location.

Examples
Grocery stores, convenience stores, florists

 

-_Real estate

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
  • Full list of target NAICS codes
Eligible Account Size
  • Nine (9) or fewer qualifying vehicles - submit in FIRE portal
  • 10+ vehicles referred to underwriter and requires loss history
Eligible Vehicles
  • Commercial vehicles < 26,000 lbs. 
    • Pickups / Vans / SUVs / Box Trucks
    • Smaller Dump Trucks (not for hire - i.e. landscapers)
    • Private Passengers Autos / Trailers
Radius of Operation
  • < 50 miles from garage location
  • 50-200 miles eligible with a surcharge
  • > 200 miles not eligible
Motor Vehicle & CLUE Reports
  • Forge will order & pay (prior to binding)
  • No chargebacks to agents
Preferred Vehicle Symbols
  • Symbol 7. Specifically described autos
  • Symbol 8. Hired autos only
  • Symbol 9. Non-owned autos only
    • Symbols 8 & 9 not eligible for all classes
    • All other symbols referred to underwriter
Driver Eligibility
  • 23-70 years of age with acceptable history
  • 16-22 years of age or 70+ referred to underwriter
  • 2 or fewer accidents last 36 months
  • Valid driver’s license required
  • Discounts available with CDL
Limits Available
  • Liability. Up to $2,000,000 CSL
  • Comprehensive & Collision. Up to $100,000 Stated Value or OCN
  • Medical Payments & PIP. Varies by state
  • UM & UIM. Up to $1,000,000 CSL
-_hvac
HVAC
Minnesota
(4 units)
-_food truck

Food Truck
Virginia
(1 unit)
-_drywall contractor
Electrician​
Ohio
(3 units)
-_realtor
Real Estate​
Maryland
(4 units)​
-_landscaper
Landscaping
Wisconsin
(10 units)
-_drywall contractor
Drywall
Kansas
(8 units)
work car
Work Cars

suv
SUVs

truck
Pickup Trucks

work van
Work Vans

specialty truck
Specialty Trucks
(< 26,000 lbs.)
trailer-1
Trailers

Ready to Work With Us?