- Contingent and excess Hired and Non-Owned Auto Liability in the first layer of insurance (primary or excess of a retention/deductible)
- Excess of a Commercial Auto policy
- Commercial General Liability on most risks
- Various Named Insured/Additional Insured Endorsements
- Waiver of Transfer of Rights of recovery against others to us
- Excess of statutory limits, deductible/SIR, or excess of Commercial Auto policy
- Startup operations and established entities
- Sales fleets
- Select contractor risks
- Select livery risks
- Restaurant/Pizza delivery with more than 20 locations
- New Economy “app” based HNOA
- Miscellaneous delivery
- Liquor
- Drugstore
- Grocery
- Packages
Ineligible Exposures
- Restaurants with 20 or less locations using their own employees or independent contractors as drivers. This size limitation does not apply to “app” based risks or layers in excess of the first layer of insurance.
- Ride Sharing - Coming Soon
- Up to $5M on most risks
- Higher limits on select risk
Minimum Attachment Points
- Statutory limits or deductible/SIR
- Signed and dated Hired and Non-Owned application
- Five years currently valued loss runs
- For “app” based risks, a copy of the contracts between the insured and the drivers, and if applicable, between the insured and merchants
- Driver qualifications and description of verification procedures, to ensure that at least minimum statutory limits remain in force
