Commercial Auto Insurance

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Business Auto Coverage Form

Back 1

Used to insure private passenger and commercial auto exposures of all business except for garages, truckers and motor carriers

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Business Auto Coverage Form- Symbol 1

Back 2

Any Auto

broadest coverage

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Business Auto Coverage Form- Symbol 7

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Specifically described autos

Most restrictive

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Supplementary Payments

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Cost of bail bonds up to 2,000, 250 a day for loss of earning, court costs, interest, expenses

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Out of State Coverage Extensions

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Modify policies liability coverage to meet other states financial responsibility requirements

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Other Insurance Condition

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Primary coverage for covered autos owned by the insured and is excess for losses involving non owned covered autos

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Two or More Policies Condition

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If two cover a loss, the amount paid is limited to the highest single policy limit

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Garage Coverage Form

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Covers dealerships, auto repair shops, and garages for day to day operations

Includes liability, garagekeepers coverage, and physical damage coverage

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Garage Coverage Form- Symbol 30

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Customers autos left with the insured for service, repair, storage or safe keeping (also called garage keepers coverage)

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Garage Coverage Form- Symbol 31

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Physical damage coverage only for the dealers autos, including non owned autos, autos for sale, and autos on consignment

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Garage Keepers Insurance

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Covers damage to customers property that the insured has for servicing, repair, parking or storage

Provides coverage for liability for damage to property of others in the insured care

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Truckers Coverage Form

Back 12

Includes liability, trailer interchange, and physical damage

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Motor Carrier Act of 1980

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Requires trucking companies to certify they are able to meet financial obligations if they become liable for damage or injury.

If vehicle weight is 10,000 lbs or more, must carry 750,000 for inter/intrastate transportation of nonhazerdous property, 5,000,000 for inter/intrastate transportation or large quantities of hazerdous materials, and 1,000,000 for transportation of oil and other hazerdous material

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MCS-90

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Endorsement that must be attached to the truckers insurance that provides public liability coverage for bodily injury, property damage and environmental restoration

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Trailer Interchange Insurance Coverage

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Covers damage to a specific trailer under the policy of the trucker in whose possession the trailer is in at time of loss

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Trailer Interchange Coverage- Symbol 48

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Trailers borrowed or leased by the named insured

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Trailer Interchange Form- Symbol 49

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Trailers owned or hired by the named insured while the trailers are in someone elses possession

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Motor Carrier Coverage Form

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Is for businesses that transport their own goods and property, and may haul the goods of others.

Provides coverage for private passenger autos unlike the truckers form

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Drive Other Car Coverage Endorsement

Back 19

Extends business auto coverage to non owned vehicles operated by the person (or spouse) named in the endorsement

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Individual Named Insured Endorsement

Back 20

Extends personal auto coverage to immediate family members of the named insured

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Additional Insured- Lessor Endorsement

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Leased vehicles can be considered owned vehicles for coverage purposes by adding this endorsement

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Bobtail Endorsement

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Provides coverage for non trucking use when the truck-tractor is not being used to haul a trailer for others

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Mobile Equipment Endorsement

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When this endorsement is attached,mobile equipment is considered a covered auto

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Symbol 2

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Owned Autos Only

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Symbol 3

Back 25

Any private passenger autos the insured owns

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Symbol 5

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Owned autos subject to no fault law

Designates owned autos required to have no fault benefits in a particular state

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Symbol 4

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Owned autos other than private passenger autos such as trucks, trailers, busses, motorcycles

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Symbol 6

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Owned autos subject to compulsory uninsured motorist law

Designates owned autos required to have uninsured motorist coverage in a particular state

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Symbol 8

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Hired autos only

Only used for autos the insured has leased, hired, rented or borrowed. Does not inclue autos rented or borrowed from employees

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Symbol 9

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Nonowned autos only

Only used for autos used in the insureds business that are not leased, hired, rented or borrowed. Includes autos owned by employees but used in the insureds business

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Symbol 19

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Mobile equipment subject to motor vehicle laws only

Autos that would be considered mobile equipment if they were not subject to complusory or financial responsibility laws or other motor vehicle laws