Underwriting Guidelines

Commercial Auto Underwriting Guidelines

Everything you need to get up to speed and submit your clients for coverage

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Commercial auto is currently available in the following states: Arizona, Illinois, Indiana, Maryland, Tennessee, Texas, Pennsylvania, and Wisconsin.

Coverages/limits available:

Symbols 7, 8, and 9
Symbol 1 available on a case-by-case basis
Primary Liability from $100k CSL to $1M CSL
UM/UIM/UMPD
Med pay with options at $1,000/$2,000/$5,000
Comp/Collision with deductible options at
$500/$1,000/$5,000
Additional coverages include: roadside, rental reimbursement, Pie signature broadened coverage, OEM parts, Customized equipment, blanket AI (with primary non-contributory), and blanket WOS
Paid-in-full discounts available

Typical business classes and vehicles

Artisan contractors (e.g. plumbers), land services (e.g. landscapers), services (e.g. realtors, attorneys, consultants)
Pickups, cargo vans, SUVs, box trucks, flatbed trucks, dump trucks (landscapers and contractors only)

Driver scoring

Individual driving filings (e.g. SR22) not available
No major violations within the prior 36 months
Policy level modification will be applied based on driver activity
Policy level modification available if customer provides vehicle telematics data access
Valid U.S. driver’s license required

Submission requirements

Needed for indication (non-bindable)

Vehicle information (VIN preferred, year/make/model acceptable)
Coverage and limit selections
Garaging zip code
Class of business (description of operations)
Driver information (name, age)

Needed for final quote (bindable), all of the above plus:

Driver details – date of birth and driver’s license number
Vehicle details – VIN
Prior claims
Loss run details (10+ vehicles only)
Current coverage information (lapse, new venture, <> 1 year of coverage)
EIN (if available)

Unacceptable vehicle types

GVW > 45k
> 15 passenger capacity or paratransit vehicles
Emergency use (lights/sirens)
Military-type vehicles and vehicles not licensed for on-road
Kit cars or gray market vehicles
Cargo requiring placard
Recreational vehicles or golf carts
Vehicles with permanent specialized equipment with value > 25% of vehicle (e.g. lifts/cranes)

Unacceptable business classes

New venture operations
Passenger transportation (for-hire or not)
For-hire transportation
Dirt, sand, and gravel, logging, waste and other high hazard for-hire use classes
Towing or roadside assistance operations
Residential in-home delivery (including food delivery)
Couriers and other package delivery (e.g. Amazon/FedEx contractors)
Driving schools
Government agencies requiring BMC-91, MCS-90, Form E, Cargo, or any other similar filing

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“Ford Pro Insure” is a brand of commercial auto policies issued by The American Road Insurance Company (“TARIC”) (NAIC 19631), an admitted insurance carrier and subsidiary of Ford Motor Company and Ford Credit. Ford Pro Insure policies are sold and administered by Pie Insurance Services, Inc. (“Pie Insurance”), a licensed insurance producer and non-affiliate of TARIC. (Licenses available at pieinsurance.com/legal/). Information provided is subject to Pie’s and TARIC’s privacy policies (pieinsurance.com/privacy and fordpro.com/privacy). Not available in all states and situations. Coverage subject to policy terms and conditions.