Commercial Vehicle Insurance

Coverage Highlights

Coverage

• Vehicle liability coverage limits up to $5 million
• Uninsured/underinsured motorists coverage limits up to $1 million
• Other vehicle coverage such as medical payment and personal injury protection available
• Physical damage coverage based on stated amount of insurance
• Where required, Zurich will handle all federal, state, and local insurance filings to ensure truck drivers have the proper evidence of insurance
• Geography - Coverage available in all states except Alaska, Hawaii, Iowa, Louisiana, Massachusetts, Mississippi, New Mexico, New York, North Dakota, South Dakota, Texas and the District of Columbia
• Insurance underwritten by Zurich, an A.M. Best "A" rated company*

Optional Coverage Available

• Motor truck cargo - Provides coverage for truckers while they are transporting property of others.
• Broadened pollution - Bodily injury or property damage coverage for claims arising out of the discharge of pollutants being transported by a covered auto.
• Hired auto - Coverage for automobiles that are leased, hired, rented or borrowed.
• Non-owned auto - Coverage for automobiles owned by the named insured's employees or partners used in the course of the named insured's business.
• Trailer interchange - Coverage for damage to trailers being used in a trailer interchange agreement.
• Drive other car - Extended automobile liability, medical payments, uninsured motorists or physical damage coverage for business auto or trucker policies so that named insureds have coverage when driving other cars.
• Combined deductible endorsement - Provides for a single deductible in the event of both a vehicle and cargo loss. (Not available in all states).

Ineligibles

• More than 10 vehicles
• Operations with more than 20% long haul (over 300 miles)
• Hazardous materials hauling (incidental materials such as spray paint, household cleaners and batteries are acceptable)
• Petroleum-based products hauling
• Triple trailers
• Medical waste or biohazardous waste hauling
• Mobile home or manufactured home hauling
• Risks transporting any amount of Class 1 Explosives, Class 6 Poisonous Gas or Class 7 Radioactive
• Any risk hauling logs
• Ambulances
• Limousines
• Public (governmental) vehicles
• Taxis

*2007 Ratings

For a fast and easy, no-obligation quote, please call toll free 1-866-578-2893 from 7:30 AM to 7:30 PM EST, Monday through Friday.

©2008 Zurich American Insurance Company. Access to this web site is governed by the Terms of Use. Coverage may not be available in all states. Coverage may be written on a non-admitted basis through licensed surplus lines brokers. The insurance policy is the contract and fully describes coverage. The web site, and any content, is provided to you on an "As Is", "As Available" basis without warranty of any kind.