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Coverage Highlights
Coverage
- General Liability - Up to $5M.
- Commercial Auto Liability - Up to $5M.
- Hired and Non-Owned Auto, Uninsured/Underinsured Motorists, Medical Payment and Personal Injury Protection
- Physical Damage Coverage based on stated amount of insurance
- No radius restriction
- No punitive damages exclusion
- Special endorsements and/or filings for airports
- Deductibles - Optional on liability; physical damage between $500 to $5,000.
- Geography - Coverage available in all states except Alaska, DC, Hawaii, Louisiana, Massachusetts, Mississippi
and New York (and Miami-Dade, Palm Beach and Broward counties, Florida).
- Insurance underwritten by Zurich, an A.M. Best "A" rated company*
*2007 rating
Eligibles
- Unmarked vehicles operated for hire by the named insured or an employee on a prearranged basis and used for special occasions, business functions, weddings, or similar purposes.
- Vehicle types may include stretched vehicles (up to 240 inches), high-end luxury sedans (current or 3 previous model years), vans and mini buses (not double decker)
- High-End Antique Vehicles (Beyond 30 years) must be submitted for physical damage coverage.
Ineligibles
- Not pre-arranged
- Majority of the vehicles are sedans (black car operations)
- Vehicles equipped with hot tubs or fireplaces
- Vehicles stretched over 240 inches
- Taxis
- Sedans > 50% of fleet
- More than 50% of exposure is airport transportation*
- Funeral homes*
- Limousines not for hire*
*Available through Zurich as a separate class of business
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