- Risks with incidental exposure only and written in conjunction with General Liability coverage on the policy.
- Note: Standalone Hired and Non-Owned Auto coverage is not available.
- Bodily injury and property damage, as outlined in the coverage endorsement.
- Available up to policy limits; however, the endorsement has the flexibility to allow for the coverage to be offered with a sub-limit.
Coverage is not available in the following states:
- Arizona
- Illinois
- Louisiana
- Oregon
- Vermont
Ineligible Exposures
- Caterers
- Churches / Religious Organizations
- Conducting and/or Planning Special Events
- Consultants and Sales Professionals
- Couriers and Express Messengers
- Contracting Risks
- Fast Food Restaurants (with or without delivery)
- Florists
- Medical Equipment Supply Stores
- Pizza Parlors and Other Restaurants with Delivery Service
- Real Estate Agents
- Schools
- Special Events
- Truckers and Freight Forwarders
- Visiting Nurses or Home Health Aids
- Warehouses
