Our Liability coverage extends up to $1MM CSL while our Physical Damage coverage encompasses comprehensive and collision coverages with a minimum deductible of $500. For vehicles with a stated value or Actual Cash Value (ACV) of $35,000 or more, conditions apply: values greater than $250,000 and terminal exposures surpassing $1MM will be reinsured. For vehicles over 15 years old, underwriting approval is needed, which may require a current mechanic’s statement and photograph.

We cover a broad spectrum of vehicles including luxury sedans, stretches, vans, and minibuses. Vehicles with a seating capacity exceeding 10 passengers, excluding the driver, may be rated as a charter bus. Our coverage also extends to classic vehicles, stretches over 150 inches long, and uniquely modified vehicles, subject to underwriter discretion. We only insure vehicles that are 4 model years old or newer.

Eligible operations include pickups arranged at least 24 hours in advance and vehicles used for special events, business functions, airport trips, and local “nights on the town”. New ventures with individuals boasting 2 years of professional driving experience, or new partnerships showcasing relevant experience, may be acceptable. The radius of operation should be within 100 miles, and the insured must be present at the beginning and end of the event.

However, our coverage does not extend to demand-response units and risks associated with fare boxes or meters.