• ANY AUTO
• BROADEST COVERAGE

• OWNED AUTOS ONLY!
• TRAILER COVERED FOR LIABILITY ONLY

• OWNED PRIVATE PASSENGER AUTOS ONLY
• COVERS A FLEET OF OWNED PRIVATE PASSENGER AUTOS.

• SPECIFICALLY DESCRIBED AUTOS ONLY
• COVERED TO LISTED AUTOS ONLY
• HAS 30 DAYS TO REPORT NEWLY AQUIRED VEHICLES.

• HIRED AUTOS ONLY
• LEASED, HIRED, RENTED OR BORROWED
• NO COVERAGE IF BORROWED FROM AN EMPLOYEE, BUISNESS PARTNER, LLC MEMBER OR ANY FAMILY MEMEBERS FROM THAT GROUP

• NON-OWNED AUTOS ONLY
• PROVIDES COVERAGE TO VEHICLES THAT THE INSURED DOES NOT OWN, LEASE, BORROW OR HIRE
• PARTNERS, EMPLOYEES OR FAMILY MEMEBER RUNNING AN ERRAND FOR THE INSURED WILL BE COVERED.

1. NAMED INSURED OWNING OR OPERATING A COVERED AUTO
2. OTHERS INCL.EMPLOYEE, WHILE USING COVERED AUTO WITH PERMISSION
3. OTHERS WHO BECOME LIABLE FOR THE CONDUCT OF INSURED
4. EMPLOYEES WHILE LOADING AND UNLOADING TO AND FROM COVERED AUTO

AN ENDORSEMENT THAT EXTENDS THE COMMERCIAL AUTO COVERAGE TO THE INSURE WHO MAY NOT OWN AND AUTO AND MAY NOT CARRY PERSONAL

AUTO INSURANCE

PREMISES/OPERATION

PRODUCTS/COMPLETED OPERATIONS

ALSO PROVIDE AUTO COVERAGE

CAR DEALERS, SERVICE STATIONS, VALET SERVICES AND PARKING GARAGES.

a bailee coverage

protects damage to customers propert

per auto with a max per loss

Garagekeepers

exclusions

theft by insider

contractual liability

products or work loss

sound producing equip. unless perm. installed in veh

causes of war, rebellion and racing

 BUISNESS THAT HAULS GOODS TO OTHERS

ANYONE WHOM A VEHICLE IS HIRED OR BORROWED AND BEING USED EXCLUSIVELY FOR BUISNESS

DAMAGE TO TRAILERS OWNED BY OTHERS

COLLISION, COMP, OR ANY SPECIFIED LOSS COVERAGE

TRANSPORTATION OF GOOD REGARDLESS IF HIRED TO DO SO

TRUCKS, TAXIS BUSSES AND LIMOS

MOTOR CARRIER ACT OF

1980

TYPE 1

FOR HIRE TRANSPORTATION FOR  NON HAZARDOUS PROPERTY

MIN LIMIT OF $750,000

MOTOR CARRIER ACT OF

1980

TYPE-2

HIRED OR PRIVATE TRANSPORTATION OF HAZARDOUS SUBSTANCE

COMPRESSED GAS, EXPLOSIVES POISON GAS AD RADIOACTIVE MATERIAL

MOTOR CARRIER ACT OF

1980

TYPE 3

HIRE AND PRIVATE TRANSPORT OF OIL LISTED AS A HAZARDOUS SUBSTANCE

MIN LIMIT OF $1MIL

ACCORDING TO THE BUISNESS AUTO DEFINES ACCIDENT AS:

1. INCLUDES CONTINOUS OR REPEATED EXPOSURE TO THE SAME CONDITIONS
2. MUST BE SUDDEN AND UNEXPECTED
3. MUST BE UNEXPECTED AND UNPREVENTABLE
4. IS ANY EVENT THAT CAUSES INJURY OR DAMAGE

GARAGEKEEPER COVERAGE EXCLUDES ALL THE FOLLOWING LOSSES EXCEPT:

1. LOSS TO A HIGH-VALUE STERO SYSTEM PER, INSTALLED IN A CUSTOMERS AUTO
2. LOSS TO CDS FROM A COVERED AUTO
3. FAULTY WORK PERFORMED BY A MECHANIC
4. THEFT OF EQUIPMENT FROM A COVERED AUTO BY A GARAGE EMPLOYEE