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CENTURY INSURANCE GROUP

GARAGE & AUTO DEALERS

Underwriting Guide

May 2017

EFFECTIVE: 05/15/2017

REPLACES: 03/01/2017 GARAGE BINDING AUTHORITY

UNDERWRITING GUIDELINES UG-1

Contents

COMPANIES ................................................................................................................................. 3

AGENT’S BINDING AUTHORITY ............................................................................................. 3

ADDITIONAL INSURED ............................................................................................................. 4

AVAILABLE DOCUMENTS ........................................................................................................ 4

AUDITS [email protected] .............................................................................................. 5

BROKER OF RECORD LETTERS ............................................................................................... 5

CANCELLATION / REINSTATEMENT ..................................................................................... 6

CERTIFICATES OF INSURANCE ............................................................................................... 7

CLAIMS [email protected] .................................................................................................. 7

COMMUNICATION ...................................................................................................................... 8

DEALERS PHYSICAL DAMAGE ............................................................................................... 8

DRIVER ELIGIBILITY REQUIREMENTS ................................................................................. 9

DRIVER HISTORY / MOTOR VEHICLE REPORT REQUIREMENTS

[email protected] ............................................................................................................ 9

ENDORSEMENTS [email protected] ......................................................................... 10

FEES (Policy, Inspection, Broker, Etc.) ....................................................................................... 10

FILE DOCUMENTS .................................................................................................................... 10

FILINGS ....................................................................................................................................... 11

GARAGEKEEPERS COVERAGE .............................................................................................. 11

INCIDENTAL GENERAL LIABILITY CLASSES .................................................................... 12

INSPECTIONS [email protected] ......................................................................... 12

INSURANCE DEPARTMENT COMPLAINTS ......................................................................... 13

LAPSE IN COVERAGE .............................................................................................................. 13

LICENSE PLATES ...................................................................................................................... 13

LOSS RUNS ................................................................................................................................. 13

MINIMUM POLICY PREMIUM ................................................................................................ 13

NAMED INSUREDS ................................................................................................................... 13

PACKAGING POLICIES ............................................................................................................ 14

POLICY ISSUANCE [email protected] ...................................................................... 14




POLICY TERM ............................................................................................................................ 14

PREMIUM DEVELOPMENT – AUTO DEALERS LIABILITY .............................................. 14

PREMIUM DEVELOPMENT – GARAGE NON-DEALERS LIABILITY ............................... 15

PREMIUM FINANCED POLICIES [email protected] .............................................. 15

RATING ....................................................................................................................................... 15

� Century On-Line (COL): Quotes ....................................................................................... 15

� Century On-Line (COL): Garage Downloads – Excel based rates are available for those

states not supported within the Century On-Line rating engine. .............................................. 15

RENEWAL INSTRUCTIONS AND REQUIREMENTS............................................................ 15

SCHEDULED AUTO LIABILITY AND PHYSICAL DAMAGE ............................................. 16

SUBMISSIONS TO THE COMPANY [email protected] ........................................... 17

SURPLUS LINES LAWS AND LICENSING............................................................................. 17

TRIA/TERRORISM ..................................................................................................................... 17

WIND/HAIL GUIDELINES ........................................................................................................ 18

Alabama ............................................................................................................................... 18

Connecticut ......................................................................................................................... 18

Florida .................................................................................................................................. 18

Georgia ................................................................................................................................ 18

Hawaii................................................................................................................................... 18

Louisiana ............................................................................................................................. 19

Maine .................................................................................................................................... 19

Massachusetts .................................................................................................................... 19

Mississippi ........................................................................................................................... 19

New Hampshire .................................................................................................................. 19

New Jersey .......................................................................................................................... 19

New York ............................................................................................................................. 20

North Carolina ..................................................................................................................... 20

Rhode Island ....................................................................................................................... 20

South Carolina .................................................................................................................... 20

Texas .................................................................................................................................... 20

Virginia ................................................................................................................................. 20




COMPANIES

We write Auto Dealers Coverage Form and Garage Coverage Form under the following names:

Century Surety Company and United Specialty Insurance Company

Refer to Century On-Line (COL), Garage Downloads tab, State Availability List for current information on each state.

AGENT’S BINDING AUTHORITY

Auto Dealers Coverage Form:

Auto Liability: $ 1,000,000 (Submit for increased limits, up to $ 5,000,000) General Liability BI & PD: $ 1,000,000 (Submit for increased limits, up to $ 5,000,000) Damage to Premises Rented to You: $ 300,000 Personal & Advertising Injury Liability: $ 1,000,000 (Submit for increased limits, up to $ 5,000,000) General Liability Aggregate: $ 3,000,000 (Submit for increased limits, up to $ 5,000,000) Products & Work You Performed Agg. $ 3,000,000 (Submit for increased limits, up to $ 5,000,000) Acts, Errors & Omissions Agg. $ 50,000 Dealers Physical Damage $ 1,000,000 per location (Submit for up to $ 5,000,000

$ 150,000 per auto (Submit for up to $ 300,000) False Pretense: $ 150,000 per auto (Submit for up to $ 300,000)

Garage Coverage Form: Auto Liability: $ 1,000,000 (Submit for increased limits, up to $ 5,000,000) Other Than Auto Liability: $ 1,000,000 (Submit for increased limits, up to $ 5,000,000) Damage to Rented Premises $ 300,000 Other Than Auto Liability Aggregate: $ 3,000,000 (Submit for increased limits, up to $ 5,000,000) Broadened Coverage – Garage $ 1,000,000 (Submit for increased limits, up to $ 5,000,000) Personal Injury Liability $ 1,000,000 (Submit for increased limits, up to $ 5,000,000)

Auto Dealers Coverage Form and Garage Coverage Form: Locations & Operations Medical Pay: $ 5,000 Auto Medical Payments: $ 5,000 Hired Auto Liability: $ 1,000,000 (Submit for increased limits, up to $ 5,000,000) Broadform Products $ 1,000,000 (Submit for increased limits, up to $ 5,000,000) Additional Insureds: $ 1,000,000 (Submit for increased limits, up to $ 5,000,000) Waiver of Subro.-“Owner of Premises”: $ 1,000,000 (Submit for any other interests or limits.) Uninsured / Underinsured Motorists: $ 1,000,000 Garagekeepers: $ 1,000,000 per location (Submit for up to $ 5,000,000)

$ 150,000 per auto (Submit for up to $ 300,000)

Premium Authority: $ 50,000

IRPM / Credit Authority: 1 year insured and loss free = .95 2 years insured and loss free = .90

3 years insured and loss free = .85




ADDITIONAL INSURED

� Approved AI Forms: o Lessor of Leased Equipment o Additional Insured – Grantor of Franchise o Owners of Leased or Rented Land or Premises o Designated Person or Organization o Designated Person or Organization and Primary and Non-Contributory o Lessor – Additional Insured and Loss Payee (Used with a specific auto – VIN required)

� Blanket Additional Insured is available, contact your company underwriter for approval and pricing.

� Waiver of Subrogation is within General Agent’s authority for Owner of Premises / Landlord exposures only. Contact your company underwriter for approval of all other waivers.

AVAILABLE DOCUMENTS

Century On-Line (COL): � Electronic Underwriting Manual (EUM) tab allows you to search for:

o Bulletins o Forms o Garage, General Liability, Property, Inland Marine and Excess Liability program

guidelines � Garage Downloads tab contains the following information:

o Applications o Company Forms Index o Garage Rating Programs – for states not rated in COL. o Garage Underwriting Guide o Garage Class Table o Driver Surcharge Calculator o Endorsement Templates o State Availability List o Selection – Rejection Forms (Uninsured / Underinsured Motorists, and Personal Injury

Protection) o Policy Issuance Checklist.




AUDITS [email protected]

We are responsible for ordering all physical and voluntary audits. No audit is necessary on policies with auditable premium less than $ 5,000 unless you or we determine that the policy should be audited. Physical Audits

1. Physical Audits are required on all policies with auditable premium in excess of $ 5,000. 2. We will order audits from our office. We will also process and issue the necessary premium

audit adjustment endorsement, if necessary, after we receive the Physical Audit report. Uncollectible Audit Procedure Once an audit endorsement is received by you, suspense it for payment and follow up in 15 days if not paid. If, after 45 days, but no more than 60 days from the date an endorsement is received and you have been unable to collect the premium, you may then return it to Century to take over the audit for direct collection. If you have not returned the audit to Century for direct collection and we have not received payment from you within 60 days after the audit endorsement is mailed to you, the Audit Department will follow up with you by fax or mail to request payment within the next 10 days. If the Audit Department does not receive a response from you within 10 days, we will take over the audit for direct collection. Once Century has taken over an audit for direct collection, no commission is payable on the audit, unless you are subsequently able to collect (through your efforts) the audit, in which case, commission is payable at 50% of the original commission rate on the policy. Century reserves the right to determine if successful collection was “through your efforts”.

BROKER OF RECORD LETTERS

There are two types of Broker of Record letters we will accept: 1. Insured’s letter (on his/her letterhead) as follows:

a. Lists all Century policies by number and show expiration dates. b. Letter is dated and states that letter applies to the renewal of the referenced policy. c. Lists the retail broker and the new general agent (GA). d. Letter is addressed to issuing carrier (can be in care of the new GA). e. We (Century) receive it at least seven (7) working days prior to renewal date (so we can

notify incumbent GA of the change). 2. Incumbent retail producer’s letter (on his/her letterhead) as follows:

a. Lists all Century policies by number and shows expiration date(s). b. Letter is dated and states that letter applies to the renewal of the referenced policy. c. Confirms that he/she is the current broker writing this particular policy through (name of

current GA) and now wishes to place the renewal through (name of new GA). d. Letter is addressed to issuing carrier (can be in care of the new GA). e. We receive it at least seven (7) working days prior to renewal date (so we can notify

incumbent GA of the change). We will not normally accept a mid-term broker of record letter. If you have an unusual situation that justifies such a change, then submit full details to us and we will review and advise you.




CANCELLATION / REINSTATEMENT

Reason for Cancellation Action Return

Premium

Underwriting

- at request of Company

There is no grace period.

Submit for re-write consideration. Pro-Rate

Underwriting

- at request of Agency


If the reason for cancellation has been alleviated and received

before the cancellation date, within agent’s authority.

If the reason for cancellation has been alleviated and received

after the cancellation date, submit for re-write consideration. *

Pro-Rate

Premium Finance

14 day grace period.

1st request for reinstatement if received within the 14 day grace

period, within agent’s authority. *

1st request for reinstatement received after the 14 day grace

period, submit for Company consideration. *

2nd reinstatement (regardless of before or after 14 day grace

period), submit for Company consideration. *

Pro-Rate /

Short-Rate

based on

state law.

Non-Payment

(other than Premium

Finance)


1st request for reinstatement if received before cancellation date,

within agent’s authority.

Any request received after the cancellation date, submit to the

Company consideration. *

Pro-Rate /

Short-Rate

based on

state law.

Insured's Request to Cancel

(Lost Policy Release)

Requests received by the managing general agent within 30 days

of the requested cancellation date, within agent’s authority.

Requests received by the managing general agent more than 30

days after the requested cancellation date:

●Obtain proof of duplicate coverage and submit for Company

consideration.

●Inability to obtain proof of duplicate coverage shall require the

policy to be cancelled effective the date the managing general

agent received the cancellation request in their office.

Pro-Rate /

Short-Rate

based on

state law.

Flat Cancellation

If the risk requests flat cancellation due to duplicate coverage, please submit proof

of coverage and a signed cancellation request to your Company underwriter for

consideration.

If you have exceptional circumstances in which you believe a full reinstatement is warranted, please refer it to

your Company Underwriter.

* A signed No-Loss letter is required. Direct Notice of Cancellation must be sent by agent within 24 hours of a request from the Company.

Forward a copy of your NOC to [email protected] for company file.




CERTIFICATES OF INSURANCE

While we prefer that our General Agents issue certificates of insurance, we are not opposed to allowing you to delegate this responsibility to your sub-producers under the following conditions:

� Only Acord Certificates are used. If you need to issue a certificate other than an Acord, you must submit it for Company approval.

� No terms or conditions of the policy are changed by the certificate. � All such certificates must be sent to you and reviewed by the appropriate person in your office. If

you receive a certificate not issued in accordance with these instructions, you must send written instructions to your sub-producer outlining the proper procedures to follow and advising them to reissue the certificate correctly and send a copy to you.

� All changes to policy terms and conditions, including, but not limited to additional Insureds, waiver of subrogation, mandatory NOC, etc., must be endorsed.

The General Agent (you) will be fully responsible and will indemnify Century for any and all errors and/or omissions contained within any Certificate and for your sub-producers’ failure to issue any Certificate in full accordance with the guidelines herein.

CLAIMS [email protected]

Please report all accidents or events to us immediately that is likely to give rise to a claim. Claims should be reported to the Century Home Office in Westerville, Ohio by one of the following methods:

� If the loss notice only contains loss information with no attachments, the best avenue is to report it via the Internet. Our web address is www.centurysurety.com. Once on the site, click the “Report a Claim” tab and follow its ensuing directions.

� If the loss notice does contain additional information such as limited attachments, then it is advisable to use the fax reporting at: Eastern Regional Office: 614-895-7040.

� If the loss notice and attachments are longer than approximately 20 pages, it is advisable to “Overnight” the entire package to our claims department.

� Only in rare instances should claims be reported via the telephone at 800-878-7389; and then only if that reporting is followed up in a written format noting that the claim was already reported and on what date.

Summons and Complaints Handling Initially, an attempt should be made to determine “who” was served, “when” they were served, and “how” the lawsuit was delivered. However, do NOT hold up the transmittal of a lawsuit because of a lack of this information. If this information cannot be obtained the same day you receive the lawsuit, forward the lawsuit to us immediately!

� If the lawsuit is approximately 20 pages or less, please fax it to us at 614-895-7040. If it is significantly longer, then overnight it to us. You can then supplement the information on “who”, “when”, and “how” to us later.

� We suggested that a representative of your office follow the fax / overnight mailing of the lawsuit, with a phone call to our claims department at 800-878-7389. This will ensure that we have received it and help us avoid any potential problems in protecting the insured’s interests.

When sending a lawsuit to us, please be sure to advise, when it was received in your office. Do NOT send these by regular mail, unless it is just a photocopy of what you have already faxed or overnighted.

Assignment of Claims The Claims Department at Century makes all assignments to independent adjusters and defense attorneys. When being advised of a loss, please ask the insured to take necessary measures or assist in making temporary repairs to mitigate further loss.

� Claims opening and closing notices are provided to the general agent. If you need to check on the status of a claim, please direct your inquires to the assigned claims examiner which will be noted on the opening notice. Our general claims number is 800-878-7389.

All claims checks are issued by Century and this authority is not delegated to any agent.




COMMUNICATION

Western Regional Office – Garage Underwriting: Century Insurance Group – Scottsdale, Arizona (888) 651-6424

Eastern Regional Office: Century Insurance Group – Columbus, Ohio (800) 878-7389 Mailing address: Century Insurance Group

PO Box 163340 Columbus, Ohio 43216

Personnel Directory: Located within Century On-Line (COL), Century Information tab, Underwriting Directory.

Audits: [email protected] COL Technical Assistance: [email protected] Claims: [email protected] Documents, Endorsements & Policy Issuance: [email protected] Policy Number Blocks: [email protected] Submissions / Quotes / Bind Requests: [email protected] Inspections: [email protected]

DEALERS PHYSICAL DAMAGE

Dealers Physical Damage covers owned autos, dealer’s inventory and consigned autos. 100% coinsurance applies and Dealers Physical Damage must be insured to value to avoid a penalty. � Mono-line coverage is available. � Consigned Autos held for sale, are to be insured under Dealers Physical Damage. � Earthquake, Mudslide and Flood are excluded in all states. � Theft coverage is automatically excluded for unprotected lots.

Protected Lot defined: When the described premises are closed for business: o All entrances, exits, or openings and the entire perimeter are surrounded by fences with

gates or heavy chains and locks. o The building is protected by locked and secured doors, windows or other types of

openings. Theft from unprotected lot buyback is available subject to the following criteria:

o The lot must be located in a town with a population of less than 50,000. o Location must be at least five miles from any major metropolitan areas. o Must have adequate after hours lighting. o No prior theft losses. The rate for this buyback endorsement is a 10% surcharge on the Specified Causes of Loss or Comprehensive rate.

� False Pretense Requirements: o All test drives must be accompanied by a salesperson. o No overnight test drives. o No prior False Pretense losses

SEE WIND/HAIL GUIDELINES FOR SPECIAL DEDUCTIBLES AND EXCLUSION REQUIREMENTS.




DRIVER ELIGIBILITY REQUIREMENTS

Drivers must meet the criteria listed below to be eligible for our program. If they do not meet these guidelines, they must be excluded from any driving exposure covered by our policy.

1. Must be at least 18 years old. 2. Must have a valid United States Drivers License. 3. Individual drivers with violations listed as Submit or those with a driver’s surcharge over 1.60

require company underwriter approval. 4. Personal use is available to Owners, Partners, Members and their spouses; and current

Employees. These drivers must have at least 5 years driving experience as confirmed by their MVR. All drivers with personal use must be individually listed on the policy.

5. Liability limits for any driver under the age of 21 will be reduced to minimum statutory limits. 6. “Owners” and “Partners” of an individual proprietorship or partnership (active or inactive)

CANNOT be excluded, therefore, the risk must be declined or cancellation notice sent. 7. If the policy is a corporation, unacceptable officers or members may be excluded.

DRIVER HISTORY / MOTOR VEHICLE REPORT REQUIREMENTS [email protected]

Your office is responsible for obtaining MVR’s and forwarding to Century within 30 days of binding or with the addition of new employees during the policy term.

� MVR’s are required for only those classes as noted on the Classification table and on risks with scheduled autos.

� MVR’s (with 3 years information) are required for ALL owners, employees and drivers for new business unless indicated otherwise on the classification table.

� MVR’s must include at minimum: Date of Birth, Legal Name, and Violations for the past 3 years, Expiration Date, Class of License, Status of License, and the MVR issuance date.

DRIVER SURCHARGE

The driver surcharge applies only when MVRs are required, as noted on the Classification table and on risks with scheduled autos. The average driver surcharge is established at policy or renewal inception and does not require mid-term adjustment. The driver surcharge is figured by starting with a factor of 1.00 per person and adding the applicable increment shown below for each violation. Total the individual developed surcharges and divide by the number of drivers, to arrive at the policy level Driver Surcharge. Do not include excluded drivers in the calculation.

� Example: if the individual driver surcharges total to 3.40 and you have 3 drivers the calculation would be 3.40 ÷ 3 drivers = 1.13 policy level driver surcharge that would be entered into the rating system.

� Driver Surcharge Calculator is available for your use within Century On-Line (COL), Garage Downloads tab.




One Minor Violation .00 Ages 18-24 .25

Two Minor Violations .15 One Accident – At Fault .50

Three Minor Violations .40 Two Accidents – At Fault Submit*

Four or More Minor Violations Submit* First Accident – Not At Fault .00

Major Violations Submit* Additional Accidents – Not At Fault .10

*Company underwriter will review and determine acceptability of driver. Driver Exclusion or additional rating (driver surcharge) may be required. Major Violations: DWI, DUI, Open Container, or Implied Consent Driving without a valid License (Including a Suspended or Revoked License) Leaving Scene of Accident or Hit & Run Narcotics Violation or Felony Conviction Reckless Driving (not including Careless) Speed Contest or Racing Speeding in excess of 20 MPH over the speed limit Minor Violations: All Other Moving Violations Accidents: All accidents are considered At Fault unless a police report is obtained indicating otherwise. ENDORSEMENTS [email protected] Endorsement Templates are located in Century On-Line (COL), Quotes tab, Garage Downloads link, Endorsement folder.

1. You have authority and responsibility to issue all endorsements. 2. The backdating of coverage is prohibited. 3. Additional Insured premiums are fully earned. 4. Rating worksheets must be included with all Additional Premium / Return Premium

endorsements.

FEES (Policy, Inspection, Broker, Etc.)

Fees may be applied to each policy subject to state regulations and you are responsible for applying all applicable fees and taxes to your quotes.

FILE DOCUMENTS

It is the agent’s responsibility to obtain and forward all documents in a timely manner. Failure to provide required underwriting documents will result in cancellation of the policy. All file documents should be sent to [email protected]

� The following are required within 30 Days of binding: 1. Signed Garage Application (and Supplemental when applicable). 2. A minimum of 3 Years Prior Carrier Information - required on all accounts.

A minimum of 3 Years Hard Copy currently valued Loss Runs - required if premium exceeds $5,000.




3. MVR’s (currently valued, when applicable). 4. UM, UIM or PIP Rejection/Selection Forms (when applicable). 5. Inspection – refer to inspection requirements.

FILINGS

� Any risk requiring Federal Filings is prohibited. � All State Filings are to be done by your office, and copies provided to the Company.

Your office is responsible for cancelling of all State Filings - mid-term cancellation and policy expiration.

GARAGEKEEPERS COVERAGE

Garagekeepers coverage is for Customer’s Autos in the risks care, custody and control, and does not cover dealer’s inventory. When offering Garagekeepers coverage, it is imperative that the lot limit be reflective of the total exposed values, as the Garage Coverage Form and Auto Dealers Coverage Form do not apply a “coinsurance” penalty. We suggest a minimum valuation of $5,000 per auto or parking space when calculating the correct Garagekeepers limit � Mono-line GKL coverage is available. � Consigned Autos held for sale, are to be insured under Dealers Physical Damage. � Earthquake, Mudslide and Flood are excluded in all states. � Theft coverage is automatically excluded for unprotected lots.

Protected Lot defined: When the described premises are closed for business: o All entrances, exits, or openings and the entire perimeter are surrounded by fences with

gates or heavy chains and locks. o The building is protected by locked and secured doors, windows or other types of

openings. Theft from unprotected lot buyback is available subject to the following criteria:

o The lot must be located in a town with a population of less than 50,000. o Location must be at least five miles from any major metropolitan areas. o Must have adequate after hours lighting. o No prior theft losses. The rate for this buyback endorsement is a 10% surcharge on the Specified Causes of Loss or Comprehensive rate.

SEE WIND/HAIL GUIDELINE FOR SPECIAL DEDUCTIBLES AND EXCLUSION REQUIREMENTS. We prefer to avoid writing Direct Primary or Direct Excess in windstorm or hail prone states. If necessary, you may submit to your underwriter for deductible exceptions.




INCIDENTAL GENERAL LIABILITY CLASSES

The following General Liability classes can be added as an incidental exposure (less than 20% of total operations) when they occur in conjunction with Auto Dealers or Garage Operations for no additional premium. If the exposure exceeds 20% of total operations, additional rating is required. � Note, if you are quoting in a state not supported by COL rating you will need to use the General

Liability rates within COL to determine the additional premium. 10071 Auto Parts and Supplies Stores 10100 Bakeries 11288 Delicatessens 61212 Buildings or Premises Bank or Office –

Mercantile or Manufacturing LRO, Other Than Not-For-Profit 61216 Buildings or Premises Bank or Office –

Mercantile or Manufacturing LRO, Not-For-Profit Only 61217 Buildings or Premises Bank or Office –

Mercantile or Manufacturing LRO, Maintained by the Insured, Other Than Not-For-Profit 61218 Buildings or Premises Bank or Office –

Mercantile or Manufacturing LRO, Maintained by the Insured, Not-For-Profit Only 91190 Automobile Dismantling

INSPECTIONS [email protected]

� You must charge an inspection fee (or other type fees) to pay for the cost of inspection (including charging the actual cost of each inspection). This is the responsibility of the general agent. The General Agent is responsible for ordering inspections on each location. Inspections should be ordered within a few days of binding.

o Inspections are not required for Mobile operations or Wholesale auto dealers. o Premium $1,500 or lower - Does not require an inspection (unless packaged with property). o Premium $1,501 to $15,000 – Required on all new business and renewals every other year. o Premium over $15,000 – Required every year.

Agent’s Responsibilities regarding inspections:

� Review the inspection before sending to the Company, along with a copy of your recommendation compliance letter (if applicable).

� Follow underwriting guidelines for classification, rate, and required forms as a result of changes in exposure revealed by inspection.

� Endorse the policy when the inspection reflects an increase in exposure. This will minimize audit premiums after policy expiration.

� Forward signed Recommendation Compliance to the Company within 30 days. � Send Notice of Cancellation if you are unable to obtain recommendation compliance within 30

days.

Inspections may be ordered from any inspection firm which you use; but, keep in mind that there are several considerations in using any inspection service:

1. Timeliness of service. 2. Quality of inspection. 3. Cost of inspection. 4. Geographical area serviced.




Inspections, except in remote areas, should be completed within approximately four (4) weeks. Inspections should cover all of the normal underwriting points (this can usually be done with a check list type inspection plus a half page to a full page narrative in addition to the check list). Any unusual points that need to be covered or any points that need some specific attention should be noted in the order form to the inspection company.

INSURANCE DEPARTMENT COMPLAINTS

Insurance Department complaints are inevitable and must be handled as priority items. We will make every effort to handle complaints directly with the Insurance Department, but we will sometimes need you to help us to develop background information. When we call upon you, please understand we are dealing with time constraints and we will expect your prompt response. In the event that you receive contact or correspondence directly from the insurance department, or other regulatory or governmental authority, please notify us within twenty-four (24) hours.

LAPSE IN COVERAGE

We will consider submissions with a lapse in coverage with a signed No-Loss letter.

LICENSE PLATES

Dealer plates are used by Dealer operations to move or operate owned, but unregistered vehicles in their inventory. Registration plates are used by Dealer and Non-Dealer operations to move or operate non-owned autos. Some states also refer to them as Repairer or Transporter Plates. Note: This form is not available in New York.

LOSS RUNS

� Download Loss Runs within Century On-Line (COL) using the Reports tab, and Loss Run Report link for:

o United Specialty Insurance Company o Century Surety Company o ProCentury Insurance Company

� Please request Loss Runs from [email protected] for: o Star Insurance Company o Savers Insurance Company

MINIMUM POLICY PREMIUM

The Advance Premium shown on the Declarations page is considered Minimum and Deposit. Please indicate this on your binder.

NAMED INSUREDS

Please be sure to include complete Named Insured on your policy issuance request, including Individual Named insured’s with DBA or Trade Name.




PACKAGING POLICIES

Auto Dealers or Garage policies may be packaged with Property, General Liability, and Inland Marine.

� Please offer matching limits of liability coverage when writing multiple polices for the same account. Refer to the Electronic Underwriting Manual within Century On-Line (COL) for rates and rules for those coverages.

� Policies packaged with Auto Dealers or Garage Coverage Form will be handled within the Garage underwriting department.

POLICY ISSUANCE [email protected]

All policies will be issued by Century and forwarded to you within 30 days after all of the pertinent information has been received. It is your responsibility to provide complete information, and we expect your prompt response to requests for missing or incomplete information.

Information required for issuance: 1. Policy Issuance Checklist. 2. Application and applicable supplements. (Including Retail Agent name and address.) 3. Garage Rating Worksheet (and GL, Property or Inland Marine rates if applicable.) 4. Additional Information:

� Furnished Auto Use: Name, Title, Job position and Age of each applicable driver. � Driver Exclusion: Name of each applicable employee to be excluded. � Additional Insured: Name, Address, and Interest (if applicable).

If the Additional Insured information is not received within 5 days of binding, the policy will be issued without the requested Additional Insured.

POLICY TERM

Policies may be written for any term up to 12 months. All term extensions must be approved by the company.

PREMIUM DEVELOPMENT – AUTO DEALERS LIABILITY

CLASS I: EMPLOYEES Regular Operators: Proprietors, partners and officers active in the “garage operations”, salespersons, general managers, service managers and any employee whose principal duty involves the operation of covered “autos”. Note: Employees working less than 20 hours per week shall be considered Part-time. (A) Full-time, furnished a covered “auto” for personal use 1.00 (B) Full-time, not furnished a covered “auto” .75 (C) Part-time, furnished a covered “auto” for personal use 1.00 (D) Part-time, not furnished a covered “auto” .25 All Other Employees: Employees that are not involved with the operation of covered “auto” (including clerical, lot persons, mechanics and excluded drivers). (E) All other employees, Full-time .40 (F) All other employees, Part-time .20 CLASS II: NON-EMPLOYEES Persons who are regularly furnished a covered “auto” for personal use: Inactive proprietors, partners or officers and their spouses. (A) Under Age 25 1.15 (B) Age 25 or over 1.00




CLASS III: CONTRACT DRIVERS Drivers hired on a temporary basis for pick up and/or delivery of a covered “auto” who do not have their own insurance coverage in place for Drive-Away exposures. (A) Scheduled drivers .10 (B) Blanket coverage for non-scheduled drivers .50

POLICY MINIMUM RATING UNITS: 1.50

PREMIUM DEVELOPMENT – GARAGE NON-DEALERS LIABILITY

OWNERS, PARTNERS, ACTIVE OFFICERS, SALESMEN & DEPARTMENT MANAGERS Payroll is fixed at $5,200 per year per individual ($2,600 for Part-time persons working less than 20 hours per week) ALL OTHER EMPLOYEES Actual payroll subject to a maximum of $100 per week per individual ($50 per week for Part-time persons working less than 20 hours per week)

POLICY MINIMUM PAYROLL: $7,800

PREMIUM FINANCED POLICIES [email protected]

The General Agent must notify us of every policy that is premium financed.

� Please refer to Cancellation / Reinstatement section for additional information.

RATING

� Century On-Line (COL): Quotes

� Century On-Line (COL): Garage Downloads – Excel based rates are available for those states not supported within the Century On-Line rating engine.

RENEWAL INSTRUCTIONS AND REQUIREMENTS

All renewals must meet current underwriting guidelines, and follow current pricing guidelines. Renewal Certificates are not permitted. Submit for renewal consideration:

� Any classes of business shown as submit per the binding authority classification. � Any risk with a new or previously undisclosed loss over $10,000. Any risk with a new or

previously undisclosed loss that would cause the risk to have more than 2 losses total in the past 3 years.

� Any risk with premium outside your authority. � Any risk with limits or coverages outside your authority. � Any risk that allows overnight test drives.

Renewal documentation compliance:

� Updated employee list is required annually. � Signed Garage Application (and Supplemental when applicable) is required every other year. � MVR’s:

o Required for all new drivers. o Updated MVR’s are required for any driver with an expired license. o Updated MVR’s are required every other year for drivers with a valid license.




� UM, UIM or PIP Rejection/Selection Forms (when applicable). � Inspection:

o Premium $1,500 or lower does not require an inspection. o Premium $1,501 to $15,000 – Required every other year. o Premium over $15,000 – Required every year. o Or at the request of your underwriter.

SCHEDULED AUTO LIABILITY AND PHYSICAL DAMAGE

Scheduled Auto Liability and Physical Damage are available in Alabama, California, Mississippi, Missouri, New Mexico, Ohio, South Dakota, Tennessee, Texas, Washington and Wyoming. Underwriting

� Private passenger autos, tow trucks and small box trucks. We are not able to schedule Semi-Trucks or Semi-Trailers.

� Towing Capacity: 2 car maximum. � Towing Radius: 200 miles maximum. � Loaner Cars / Autos Rented to Others - prohibited. � The chart below provides the coverages available based on use of the auto.

Dealers

Use Liability Physical Damage In-Tow

Service Included Included with DPD Included with GK

Towing Not For-Hire Auto must be scheduled Auto must be scheduled Included with GK

Towing For-Hire Prohibited Prohibited Prohibited

Non-Dealers

Use Liability Physical Damage In-Tow

Service Auto must be scheduled Auto must be scheduled Included with GK

Towing Not For-Hire Auto must be scheduled Auto must be scheduled Included with GK

Towing For-Hire Prohibited Prohibited Prohibited

Note: It is acceptable to schedule a vehicle not titled in the business name. Use of symbol 21 will not provide Liability for towing, as the vehicle must be scheduled. Refer to USAG 1737 / USAG 1937. Rating

� Owned service vehicles that are not used for towing - do not need to be scheduled for Dealers. � Specified owned power unit is used for Not For-Hire towing - schedule that specific power unit. � Unspecified owned power unit from the dealer’s inventory used to tow / pull Trailer, Car hauler or

Tow Dolly: o Rate for the Liability of the unspecified Owned “Towing Use” vehicle, and o Rate for the “Trailer or Tow Dolly”. o Schedule: “Any Owned auto used to pull …list the Trailer, Car Hauler, Tow Dolly & its VIN.” o Schedule: List the Trailer, Car hauler or Tow Dolly and its VIN. Example when using an unspecified owned power unit from the dealer’s inventory with a 2014 car hauler:

� Rate: for the unspecified owned power unit as a “Towing Use” vehicle, and � Rate: for the 2014 car hauler as “Trailer or Tow Dolly” � Policy: “Any Owned covered auto used to pull 2014 car hauler with VIN # 12345 …” � Policy: 2014 car hauler, VIN # 12345 …..




SUBMISSIONS TO THE COMPANY [email protected]

� Business submitted to the Company should contain a completed Century Garage and Auto Dealers application, applicable supplemental applications, and three years of loss history.

� The same account received by multiple agents will be quoted to all agents that submitted an application.

� Quotes are good for 90 days. Any extension beyond that time must be submitted for approval. Submit risks with the following characteristics for company approval.

� One loss over $10,000 in the past three years. � 3 or more losses in the past three years. � Classes of business shown as submit per the binding authority classification table. � Premium, limits or coverages outside your authority. � Overnight test drives.

Contact your company underwriter for the following coverages:

� Additional Insured – Primary and Noncontributory. � Assault & Battery Buyback.

SURPLUS LINES LAWS AND LICENSING

You are required to comply with all applicable laws and regulations of the state(s) in which you operate as respects to the procurement and placement of insurance (including without limitation, obtaining and maintaining all necessary licenses). You shall provide the appointing authority in each state with all the required filings, affidavits and reports. You are responsible for collection and payment of all excess and surplus lines premium taxes, or other required taxes or fees that may become due to any taxing authority within the boundaries of any state or commonwealth. You are required to fully cooperate with the Company in connection with any regulatory investigation or examination. Non-compliance with State laws will result in fines to our Company which will be passed back to the General Agency.

TRIA/TERRORISM

Auto Dealer’s Coverage Form and Garage Coverage Form are exempt from the “Terrorism Risk Insurance Act”, and coverage is not available.




WIND/HAIL GUIDELINES

� Wind/Hail Exclusions: o Windstorm is excluded in Hurricane prone areas of AL, CT, DE, FL, GA, HI, LA, MD, MA,

ME, MS, NH, NC, NJ, NY, RI, SC, TX, VA (see individual state guidelines below). o A 25% credit is automatically applied to the Dealers Physical Damage “other than collision”

premium when excluding Windstorm / Hail.

� Wind/Hail Restrictions: o Windstorm and Hail deductibles are required in AL, AR, CO, GA, IA, IL, KS, KY, LA, MO,

MN, MS, MT, NE, NM, OK, SC, SD, TN, TX, WI, WY. o A Minimum $1,000 Wind & Hail Deductible per Auto with No Maximum Deductible per Loss

applies in the above listed states.

State Specific instructions:

Alabama

Exclude: Wind/Hail on any risk in Alabama located on an island or in the first 2 counties of the coastline: o Applicable Counties: Baldwin, Mobile.

Remainder of state: A Minimum $ 1,000 Wind & Hail deductible per Auto with No Maximum Deductible per Loss. Connecticut Exclude: Wind/Hail on any risk in Connecticut located within 1 mile of the coastline east of Route 25 in

Bridgeport to the state border of Rhode Island plus any island in Fishers Island Sound and Long Island Sound. o Applicable Counties: Fairfield, Middlesex, New Haven, New London.

Delaware

Exclude: Wind/Hail on any risk in Delaware either on an island, within 10 miles from the Atlantic coast or within 5 miles from the Delaware Bay north of Cape Henlopen.

o Applicable County: Sussex. Florida Exclude: Wind/Hail for the entire state. Georgia Exclude: Wind/Hail on any risk in Georgia on any island or in the first 2 counties of the coastline.

o Applicable Counties: Brantley, Bryan, Camden, Charlton, Chatham, Effingham, Glynn, Liberty, Long, McIntosh, Wayne.

Remainder of state: A Minimum $ 1,000 Wind & Hail deductible per Auto with No Maximum Deductible per Loss. Hawaii Exclude: Wind/Hail coverage for the entire state.




Louisiana Exclude: Wind/Hail on any risk in Louisiana located in the first 2 parishes of the coastline and Lake Borgne. Also, any risk South of SR-10 in Tangipahoa Parish.

o Applicable Parishes: Acadia, Assumption, Calcasieu, Cameron, Iberia, Jefferson, Jefferson Davis, Lafayette, Lafourche, Orleans, Plaquemines, St. Bernard, St. Charles, St. James, St. John the Baptist, St. Martin, St. Mary, St. Tammany, Tangipahoa, Terrebonne, Vermilion, Washington.

Remainder of state: A Minimum $ 1,000 Wind & Hail deductible per Auto with No Maximum Deductible per Loss. Maine Exclude: Wind/Hail on any risk in Maine located 1 mile from the coastline or on an island.

o Applicable Counties: Cumberland, Hancock, Knox, Lincoln, Sagadahoc, Waldo, Washington, York.

Maryland Exclude: Wind/Hail on any risk in Maryland located east of Route 13.

o Applicable Counties: Somerset, Wicomico, Worcester. Massachusetts Exclude: Wind/Hail on any risk in Massachusetts located in Barnstable, Dukes, and Nantucket counties; or within 1/2 mile of the coastline in Suffolk County and 1 mile of the coastline in all other counties.

o Applicable Counties: Barnstable, Bristol, Dukes, Essex, Nantucket, Norfolk, Plymouth, Suffolk.

Mississippi Exclude: Wind/Hail on any risk in Mississippi located in the first 2 counties of the coastline.

o Applicable Counties: George, Hancock, Harrison, Jackson, Pearl River, Stone. Remainder of state: A Minimum $ 1,000 Wind & Hail deductible per Auto with No Maximum Deductible per Loss.

New Hampshire Exclude Wind/Hail on any risk in New Hampshire located 1 mile from the coastline or on an island. o Applicable County: Rockingham New Jersey

Exclude Wind/Hail on any risk in New Jersey located east of the Garden State Parkway from Route 6A (Cliffwood Beach) down to Route 72. Then any risk within 20 miles of the coastline south of Route 72. o Applicable Counties: Atlantic, Burlington, Cape May, Cumberland, Monmouth, Ocean.




New York

Exclude Wind/Hail on any risk in New York that is located on any barrier island of Long Island, any risk within 1 mile of the southern coastline of Long Island from Rockaway Peninsula (south of Jamaica Bay) east to CR 46 (William Floyd Parkway) in Suffolk County, plus the entire area east of CR 46 in Suffolk County.

o Applicable Counties: Nassau, Queens, Suffolk. North Carolina

Exclude Wind/Hail on any risk in North Carolina located on an island or in the first 2 counties of the coastline and Albemarle Sound.

o Applicable Counties: Beaufort, Brunswick, Camden, Carteret, Chowan, Columbus, Craven, Currituck, Dare, Duplin, Gates, Hyde, Jones, New Hanover, Onslow, Pamlico, Pasquotank, Pender, Perquimans, Tyrrell, Washington.

Rhode Island Exclude Wind/Hail on any risk in Rhode Island within 1 mile of the coastline and any risk located on an island.

o Applicable Counties: Newport, Washington South Carolina Exclude Wind/Hail on any risk in South Carolina located in the first 2 counties of the coastline.

o Applicable Counties: Beaufort, Berkeley, Charleston, Colleton, Dillon, Dorchester, Hampton, Horry, Marion, Georgetown, Jasper, Williamsburg

Remainder of state: A Minimum $ 1,000 Wind & Hail deductible per Auto with No Maximum Deductible per Loss. Texas Exclude Wind/Hail on any risk in Texas located in the first 2 counties of the coastline plus Goliad.

o Applicable Counties: Aransas, Bee, Brazoria, Brooks, Calhoun, Cameron, Chambers, Fort Bend, Galveston, Goliad, Hardin, Harris, Hidalgo, Jackson, Jefferson, Jim Wells, Kenedy, Kleberg, Liberty, Live Oak, Matagorda, Nueces, Orange, Refugio, San Patricio, Victoria, Wharton, Willacy

Remainder of state: A Minimum $ 1,000 Wind & Hail deductible per Auto with No Maximum Deductible per Loss.

Virginia Exclude Wind/Hail on any risk in Virginia located on an island or within 10 miles of the Chesapeake Bay

in the following counties: Gloucester, Lancaster, Mathews, Middlesex, and Northumberland. Exclude Wind/Hail in the following counties and independent cities:

o Applicable Counties: Accomack, Northampton, York. o Applicable Independent Cities: Chesapeake, Hampton, Newport News, Norfolk, Poquoson,

Portsmouth, Virginia Beach.

.

CENTURY INSURANCE GROUP

GARAGE & AUTO DEALERS

Classification Table

May 2017

EFFECTIVE: 05/15/17

REPLACES: 03/01/17 GARAGE BINDING AUTHORITY CLASSIFICATION TABLE CT-1

.

Classification Table

Refer to Class Description and Underwriting Considerations for Complete Information

Air Bag Installation, Service or Repair Emergency Vehicle Dealers Non-Licensed Vehicle Dealer (ATV, UTV, Jet Ski, Snowmobile, Off-Road)

Airplane Repair / Maintenance or Any Airport Premises Exposure

Emergency Vehicle Repair Non-Licensed Vehicle Repair (ATV, UTV, Jet Ski, Snowmobile, Off-Road)

Antique Auto Repair and Restoration Farm Equipment Dealers Oil / Lube Service

Auto Alarm / Stereo Installation Farm Equipment Repair Parking Lots & Parking Garages

Auto Dealers – Antique Frame / Unibody Straightening Performance Repair / Performance Enhancement

Auto Dealers – Auction Fuel Conversion Shops Powder Coating

Auto Dealers – Consignment Gasoline Stations – Full Service, including Auto Repair

Power Washing

Auto Dealers – New Autos Franchised Auto Dealers

Gasoline Stations – Self-Service, without Auto Repair

Public Livery Repair (Taxi, Limo, Shuttle Bus)

Auto Dealers - Used Autos Golf Cart – Dealers Race Cars

Auto Dealers – Wholesale/Brokers/Internet Golf Cart – Repair Recreational Vehicle Dealer

Auto Dismantling or Salvage Yards Handicapped Modification – Dealers Recreational Vehicle Repair

Auto Maintenance & Repair Handicapped Modification – Repair Recreational Vehicle Storage - No Repair

Auto Maintenance & Repair - Self-Service Hazmat Haulers Repossessors – For Hire

Auto Parts and Accessory Sales Heavy Truck Dealers Semi-Trailer Dealers

Auto Pawning / Auto Title Loans Heavy Truck Repair Semi-Trailer Repair

Auto Storage Ignition Interlock Device, Breathalyzer Installation or Repair

Structural Alteration or Modification

Bed Liner Installation Impound Yards Structural Repair

Boat Dealers Kit Cars or Other Auto Manufacturing Tanker Dealers

Boat Repair Leasing / Loaning / Renting Tanker Repair

Boat Storage Lift Kits / Lowering Kits / Suspension Modification

Tire Dealers

Body Shop & Painting Limousine Conversion Trailer Dealers

Bus Dealers Locomotive / Train Car / Box Car / Railroad Car Trailer Repair

Bus Repair LPG Distributors Trailer Hitch Installation or Repair

Car Wash – Full Service Mobile Auto Repair Service / Roadside Assistance

Upholstery

Contractors Equipment Dealers Mobile Home / Manufactured Home - Dealers or Toters

Valet Parking

Contractors Equipment Repair Mobile Home / Manufactured Home - Repair or Toters

Van Conversion

Detailers Motorcycle Dealers Window Tinting

Drive-Away Contractors Motorcycle Repair Windshield Installation / Repair

Electric Auto Repair Navigation System Installation Wrecker Service

Electric Auto Sales

EFFECTIVE: 05/15/17


Class Description Authority Underwriting Considerations

Service/repair operations: The owner/lead mechanic must have 3 years of experience in auto service/repair industry.

Airbag Installation, Service or Repair

Authority • SUBMIT if greater than 20% of the operations. • MVRs are not required.

Airplane Maintenance and Repair or Any Airport Premises Exposure

Prohibited

Antique Auto Repair and Restoration

Authority • MVRs are not required.

• Structural Repair & Structural Alteration or Modification are separately classified.

Auto Alarm/Stereo Installation

Authority • Provide receipts for over the counter parts sales (parts sold but not installed by the risk).

• This Incidental General Liability Class can be added via the CAG 1919 Limitation of Coverage – Schedule of Operations.

o If 1-20% of total exposure, the coverage can be added with no additional premium.

o If 21% or greater of total exposure, GL rate for Classification code 10071, Auto Parts and Supply Store.

• When exposure exists, Add CAG 1914: Exclusion – Locations, Operations, Products or Work You Performed to exclude:

Sales, installation, service or repair of commercial & residential building alarms.

Applies to: Designated Operations Designated Products or Work You Performed

• MVRs are not required.

Ignition Interlock Device/ Breathalyzer - Installation or Repair is separately classified.

Auto Dealers – Antique Authority • MVRs are required on all owners, employees & drivers.

• Structural Repair & Structural Alteration or Modification are separately classified.

Auto Dealers – Auction

Minimum Liability IRPM: 1.10

(Automatically applied)

Authority • This class is written and rated on the Auto Dealer’s Coverage Form • Auction pickup and delivery drivers working up to 10 hours per week

may be rated as Individual (not blanket) Contract Drivers. • Auction pickup and delivery drivers working 10-20 hours per week

are to be rated as Part Time Regular Operators. Those working 20+ hours per week are to be rated as Full Time Regular Operators.

• Add Dealers Physical Damage if physical damage coverage is requested on autos held for sale on consignment.

• Salvage Titled Autos: Products coverage is automatically excluded. • Verify viewing area is safely arranged if autos are driven past

buyers. • MVRs are required on all owners, employees & drivers.

EFFECTIVE: 05/15/17


Class Description Authority Underwriting Consideration


Auto Dealers – Consignment

Authority • Add Dealers Physical Damage if physical damage coverage is requested on autos held for sale on consignment.

• Salvage Titled Autos: Products coverage is automatically excluded. • MVRs are required on all owners, employees & drivers.

Auto Dealers – New Autos Franchised Auto Dealers

Authority • MVRs are required on all owners, employees & drivers.

Boat Dealers are separately classified

Jet Skis are separately classified under Non- Licensed vehicles.

Auto Dealers – Used Autos Authority • Salvage Titled Autos: Products coverage is automatically excluded. • MVRs are required on all owners, employees & drivers.

Auto Dealers – Wholesale/Brokers/Internet is separately classified.


Jet Skis are separately classified under Non- Licensed vehicles.

Auto Dealers – Wholesale/Brokers/Internet



Submit • Salvage Titled Autos: Products coverage is automatically excluded. • Prohibited:

o Risk is not located in the same state as their Dealer’s license.

o Individual Driver not licensed in the same state where the risk is located.

• MVRs are required on all owners, employees & drivers.


Auto Dismantling or Salvage Yards – 50% or less of the Insured’s operations

Authority

• Acceptable only when in conjunction with auto dealer or repair operations.

• This Incidental General Liability Class can be added via CAG 1719 / CAG 1919 Limitation of Coverage – Schedule of Operations. o If less than 20% of total exposure, the coverage can be added

with no additional premium.

o If 20% or greater of total exposure, GL rate for Classification code 91190, Auto Dismantling under the Incidental General Liability Classes. Premium base is the actual payroll for the employees involved with this exposure.

• CAG 1701 / CAG 1901 Excludes Used Parts.

• Underwriting requirements: o Customers must not be allowed to remove parts. o Customers must be accompanied while in the yard. o Premises must be completely fenced & gated. o Verify no crushing of autos. o Verify no stacking of autos more than 3 high.


Auto Dismantling or Salvage Yards – Over 50% of the Insured’s operations

Prohibited

EFFECTIVE: 05/15/17




Auto Maintenance & Repair

Authority • Private passenger 4 wheeled vehicles only. • Acceptable:

o Cosmetic repair to autos. o Non-structural alterations (including welding). o Structural repair and straightening to wheels or rims.

When exposure exists, add CAG 1914: Exclusion – Locations, Operations, Products or Work You Performed.

Structural alteration, structural modification or structural repair to auto wheels or rims; including the sales, service or installation of these auto wheels or rims. Applies to:

Designated Operations Designated Products or Work You Performed

• Decline if over: o 20% Tire (CAG 1701 / CAG 1901 Excludes Liability). o 20% Cosmetic repair to wheels or rims. o 20% Structural repair and straightening to wheels or rims.


Separately classified:

Bus Repair

Heavy Truck and Semi-Trailer

Motorcycle Repair

Non-Licensed Vehicle Repair – ATV’s, UTV’s, Jet Skis, and Snowmobiles

Oil / Lube Service – 50% or more of total operations

Performance Repair / Performance Enhancements

Recreational Vehicle Repair

Structural Repair & Structural Alteration or Modification

Tire Dealers

Auto Maintenance & Repair – Self-Service

Prohibited

EFFECTIVE: 05/15/17




Auto Parts and Accessory Sales

Authority • Acceptable in conjunction with garage operations, and less than 50% of all parts sales being Used Parts.

• This Incidental General Liability Class can be added via CAG 1719/ CAG 1919 Limitation of Coverage – Schedule of Operations.

o If less than 20% of total exposure, the coverage can be added with no additional premium.

o If 20% or greater of total exposure, GL rate for Classification code 10071, Auto Parts and Supply Store under the Incidental General Liability Classes. Premium base is the gross sales for over the counter parts – parts sold but not installed by the risk.


Auto Pawning/ Auto Title Loans

Prohibited

Auto Storage Authority • Garagekeepers Legal Liability basis only.

• CAG 1701 / CAG 1901 Excludes Auto Repossession. However, the

exclusion does not apply:

o To the repossession of autos by the insured in which they

have a creditor interest.

o Once the repossessed auto is in the care, custody or

control at the scheduled locations shown on the

supplemental declaration.

• Impound Yards: The vehicle is usually towed to the premises by a third party.

• Storage Lots: The vehicle is usually brought to the premises by the customer for storage.


Impound Yards / Storage Lots are separately classified.

Bed Liner Installation

(Incl. Spray-On)

Authority • Confirm application of “non-skid” material is limited to truck beds only. • CAG 1719 / CAG 1919 Limitation of Coverage - Schedule of Operations:

Spray On Bed liner sales or installation upon automobiles.


EFFECTIVE: 05/15/17




Boat Dealers Authority • Acceptable if 1-20% of boat, watercraft or jet-ski operations and in conjunction with auto dealerships. o Form CA 9954 and Symbol 32 is automatically added for Dealers

Physical Damage and / or Garagekeepers when the boat classification is selected.

Symbol 32 on CA 9954 should be defined on your quote letter as:

Watercraft while ashore on premises where you conduct garage operations.

• If 21% or greater, the risk may be sent to the Ocean Marine Department to cover the boat dealer operation. o Add CAG 1714: Exclusion – Locations, Operations, Products or Work

You Performed. Sales, installation, service or repair of any watercraft. Applies to:


o A separate Garage policy will be written for the auto dealership operation.


Vinyl wrapping is separately classified under Window Tinting and can be added as an additional class.

Boat Repair Authority • Acceptable if 1-20% of boat, watercraft or jet-ski operations and in conjunction with auto repair. o Form CA 9954 and Symbol 32 is automatically added for Dealers

Physical Damage and / or Garagekeepers when the boat classification is selected.

Symbol 32 on CA 9954 should be defined on your quote letter as:


• If 21% or greater, the risk may be sent to the Ocean Marine Department to cover the boat repair operation. o Add CAG 1914: Exclusion – Locations, Operations, Products or Work

You Performed. Sales, installation, service or repair of any watercraft. Applies to:


o A separate Garage policy will be written for the auto repair operation. • MVRs are not required.

Vinyl wrapping is separately classified under Window Tinting and can be added as an additional class.

EFFECTIVE: 05/15/17




Boat Storage Authority • Garagekeepers Legal Liability basis only. • Acceptable if 1-50% of boat, watercraft or jet-ski operations.

o Form CA 9954 and Symbol 32 is automatically added in COL for Dealers Physical Damage and / or Garagekeepers when the boat classification is selected.

Symbol 32 on form CA 9954 should be defined on your quote letter as:


• If 51% or greater, the risk may be sent to the Ocean Marine Department. o Add CAG 1914 – Exclusion – Locations, Operations, Products or Work

You Performed.

Storage of any watercraft.


Body Shop & Painting

Authority • UL / NFPA approved paint booth is required or; • Risks without a UL / NFPA approved paint booth require:

o Proper ventilation. o Explosion proof lighting/fixtures. o Paint storage outside the booth and in a NFPA approved metal

cabinet with doors. • Touch up painting does not require approved paint booth. • Non-structural alterations & repair (including welding) is acceptable. • MVRs are not required.

Food Truck Conversion: refer to Van Conversion.

Structural Repair & Structural Alteration or Modification are separately

classified.

Vehicle wrapping: refer to Window Tinting.

Bus Dealers


(Automatically applied in Excel – Manually

add in COL)

Submit • Include Specialty Vehicle Supplemental. • Acceptable up to 15 passenger capacity. • Prohibited: School Bus / Church Bus. • Include three years favorable hard copy loss runs. • MVRs are required on all owners, employees & drivers.

EFFECTIVE: 05/15/17




Bus Repair



add in COL)

Submit • Include Specialty Vehicle Supplemental. • Acceptable up to 15 passenger capacity. • Prohibited: School Bus / Church Bus.

• Include three years favorable hard copy loss runs. • MVRs are not required.

Car Washes – Full Service



Minimum Liability

Deductible $1,000

Authority • Full Service car wash requires the customer to exit the vehicle and turn the auto over to another person, or the business to hand-dry vehicle.

• Self-Service car wash is separately classified, and can be written under a GL form. Examples of Self-Service:

o Coin operated drive through wash. o Coin operated do-it-yourself wash


Detailers are separately classified.

Contractors Equipment Dealers



add in COL)

Submit • Please provide a complete list of types of equipment and Specialty Vehicle Supplemental.


Farm Equipment is separately classified.

Machinery or equipment – Yard or Garden: refer to General Liability department.

Contractors Equipment Repair

Minimum Liability IRPM 1.25


add in COL)

Submit • Please provide a complete list of types of equipment and Specialty Vehicle Supplemental.


Farm Equipment is separately classified.


Detailers Authority • Prohibited: If pickup and delivery exceeds 25 miles. • MVRs are not required.

Car Wash – Full Service is separately classified.

Drive-Away Contractors

Prohibited

Electric Auto Sales Authority • MVRs are required on all owners, employees & drivers.

Fuel conversion is separately classified.

Electric Auto Repair Authority • MVRs are not required.

Fuel conversion is separately classified.

EFFECTIVE: 05/15/17




Emergency Vehicle Dealers



add in COL)

Submit • Include Specialty Vehicle Supplemental.

Please provide a complete description of repairs and types and values of vehicles.

• Prohibited: Service or Repair of Pumps, Valves, Hoses, Tanks or any Lifesaving Equipment.

• Prohibited: Service or Repair of partition wall between driver and passenger.


Emergency Vehicle Repair



add in COL)


Please provide a complete description of repairs and types and values of vehicles.

• Prohibited: Service or Repair of Pumps, Valves, Hoses, Tanks or any Lifesaving Equipment.

• Prohibited: Service or Repair of partition wall between driver and passenger.


Farm Equipment Dealers



add in COL)

Submit • Include Specialty Vehicle Supplemental. • 1-20% of total exposure, this class can be added within your authority.

o Do not select Farm Equipment Dealers class. o On the Quote letter forms list:

� CAG 1719 Limitation of Coverage – Schedule of Operations. Enter Selected Classifications and Farm Equipment Dealers.

� Select mandatory form CAG 1722 Exclusion – Modification of Farm Tractors or Farm Equipment.

• 21% or greater of total exposure, this class is submit. o Maximum sub-limit of Liability $300,000 per occurrence. o 3 X Agg is available. o Mandatory Form: CAG 1710 to sub-limit Liability to $300,000 for

Sales, installation, service or repair of Farm Tractors, Farm Equipment and Farm Implements.

o Mandatory Form: CAG 1722 Exclusion – Modification of Farm Tractors or Farm Equipment.

• Prohibited: Manufacturing / Fabrication of mechanical parts. • MVRs are required on all owners, employees & drivers.

Contractors Equipment (including Crane, Cherry Picker, Bucket Truck, Man Lifts, Logging Trucks, Logging Equipment, Chippers, Mining Equipment and similar exposures) is separately classified.


EFFECTIVE: 05/15/17




Farm Equipment Repair



add in COL)

Submit • Include Specialty Vehicle Supplemental. • 1-20% of total exposure, this class can be added within your authority.

o Do not select Farm Equipment Repair class. o Quote letter forms list:

� CAG 1919 Limitation of Coverage – Schedule of Operations. Enter Selected Classifications and Farm Equipment Repair.

� Select mandatory form CAG 1922 Exclusion – Modification of Farm Tractors or Farm Equipment.

• 21% or greater of total exposure, this class is submit. o Maximum sub-limit of Liability $300,000 per occurrence. o 3 X Agg is available. o Mandatory Form: CAG 1910 to sub-limit Liability to $300,000 for

Sales, installation, service or repair of Farm Tractors, Farm Equipment and Farm Implements.

o Mandatory Form: CAG 1922 Exclusion – Modification of Farm Tractors or Farm Equipment.

• Prohibited: Manufacturing / Fabrication of mechanical parts. • MVRs are not required.

Contractors Equipment (including Crane, Cherry Picker, Bucket Truck, Man Lifts, Logging Trucks, Logging Equipment, Chippers, Mining Equipment and similar exposures) is separately classified.


Frame / Unibody Straightening

Authority • Repair is acceptable.


Structural Repair & Structural Alteration or Modification are separately classified.

Fuel Conversion Shops

Prohibited Electric Auto Sales and Electric Auto Repair are separately classified.

Gasoline Stations – Full Service (Including Auto Repair)

Prohibited • This exposure can be written on a General Liability policy, with our Property & Casualty department. Refer to GL Guidelines.

Gasoline Stations – Self-Service only, without Auto Repair

Prohibited • This exposure can be written on a General Liability policy, with our Property & Casualty department. Refer to GL Guidelines.

EFFECTIVE: 05/15/17




Golf Cart – Dealers Authority • MVRs are required on all owners, employees & drivers.

ATV and UTV are separately classified: Non-Licensed Vehicle Dealer.

Golf Cart – Repair Authority • MVRs are not required.

ATV and UTV are separately classified: Non-Licensed Vehicle Repair.

Handicapped Modification – Dealers

Prohibited

Handicapped Modification – Repair

Prohibited

Hazmat Haulers Prohibited

Heavy Truck Dealers



Authority • Include Specialty Vehicle Supplemental. • Trucks with more than 26,000 lbs. gross vehicle weight are considered

heavy. • CAG 1717 Reduced Liability Limits for Insured Drivers Under 21 or Drivers

Without Proper Operator’s License reduces Liability coverage to minimum statutory limits for customers or employees who do not have a valid CDL endorsement / license.

• CAG 1701 Excludes Refrigerated Truck and Trailer. • Trucking Co. that forms a repair entity to service their own fleet – Contact

your company underwriter for proper exclusionary wording. • Non-structural alterations (including welding) is acceptable. • Decline if over:

o 20% brakes. o 20% hydraulics. o 20% refrigeration systems. o 20% tire. o 20% trailer hitch / king pin. o 20% welding.

• Prohibited: Manufacturing / Fabrication of mechanical parts. • MVRs are required on all owners, employees & drivers. Separately classified: Bus

Contractors Equipment (Crane, Cherry Picker, Bucket Truck, Man Lifts, Logging Trucks, Logging Equipment, Chippers, Mining Equipment and similar exposures)

Emergency Vehicles

Farm Equipment


Tanker Truck / Trailer

Trailer - Utility trailers (Flat bed trailers, horse trailer, travel trailer, car dollies and fifth-wheels)

EFFECTIVE: 05/15/17




Heavy Truck Repair



Authority • Include Specialty Vehicle Supplemental. • Trucks with more than 26,000 lbs. gross vehicle weight are considered

heavy. • CAG 1917 Reduced Liability Limits for Insured Drivers Under 21 or Drivers

Without Proper Operator’s License reduces Liability coverage to minimum statutory limits for customers or employees who do not have a valid CDL endorsement / license.

• CAG 1901 Excludes Refrigerated Truck and Trailer. • Trucking Co. that forms a repair entity to service their own fleet – Contact

your company underwriter for proper exclusionary wording. • Non-structural alterations (including welding) is acceptable. • Decline if over:

o 20% brakes. o 20% hydraulics. o 20% refrigeration systems. o 20% tire. o 20% trailer hitch / king pin. o 20% welding.

• Prohibited: Manufacturing / Fabrication of mechanical parts. • MVRs are not required. Separately classified: Bus

Contractors Equipment (Crane, Cherry Picker, Bucket Truck, Man Lifts, Logging Trucks, Logging Equipment, Chippers, Mining Equipment and similar exposures)

Emergency Vehicles

Farm Equipment


Tanker Truck / Trailer

Trailer - Utility trailers (Flat bed trailers, horse trailer, travel trailer, car dollies and fifth-wheels)

EFFECTIVE: 05/15/17




Ignition Interlock Device/ Breathalyzer - Installation or Repair

Prohibited

Impound Yards



Minimum Liability

Deductible $1,000

Authority • Premises must be fenced and gated. • Garagekeepers Legal Liability basis only. • USAG 1737 / USAG 1937 Excludes Liability for Towing, Hauling or

Carrying Autos or Trailers. • CAG 1701 / CAG 1901 Excludes Auto Repossession. However, the

exclusion does not apply: o To the repossession of autos by the insured in which they have a

creditor interest. o Once the repossessed auto is in the care, custody or control at the

scheduled locations shown on the supplemental declaration.

• Impound Yards: The vehicle is usually towed to the premises by

a third party.

• Storage Lots: The vehicle is usually brought to premises by the

customer for storage. • MVRs are not required.

Wrecker Service is separately classified.

Kit Cars or Other Auto Mfg.

Prohibited

Leasing / Loaning / Renting

Prohibited

Lift Kits / Lowering Kits / Suspension Modification

Prohibited Trike conversion: refer to Motorcycle Repair.

Limousine Conversion

Submit • A Certificate of Insurance must be provided for any Auto Manufacturing exposure.


Locomotive / Train Car / Box Car / Railroad Car

Prohibited

LPG Dealer Authority • Acceptable in conjunction with garage operation. • This Incidental General Liability Class can be added via the CAG 1919

Limitation of Coverage – Schedule of Operations. • If 1–20% of total exposure, the coverage can be added with no additional

premium. • If 21% or greater of total exposure, GL rate for Classification code 13410,

Gas Dealers – LPG. List Additional Operations: 13410 – LPG Dealer and the premium on the first page of the quote.

• LPG must be dispensed by trained employees and tanks properly barricaded.


EFFECTIVE: 05/15/17




Mobile Auto Repair Service / Roadside Assistance

Authority • Private passenger 4 wheeled vehicles only. • Anything other than private passenger autos should be separately

classified. • Diversion of Traffic is prohibited. • USAG 1737 / USAG 1937 Excludes Liability for Towing, Hauling or

Carrying Autos or Trailers.

• Cosmetic repair to autos is acceptable. • Structural repair and straightening to wheels or rims:

When this exposure exists, add CAG 1714 / CAG 1914: Exclusion – Locations, Operations, Products or Work You Performed.

Structural alteration, structural modification or structural repair to auto wheels or rims; including the sales, service or installation of these auto wheels or rims. Applies to:


• Decline if over: o 20% Tire (CAG 1701 / CAG 1901 Excludes Liability). o 20% Cosmetic repair to wheels or rims. o 20% Structural repair and straightening to wheels or rims.

• For-Hire towing exposures: Prohibited


Heavy Truck is separately classified.

Wrecker Service is separately classified.

EFFECTIVE: 05/15/17




Mobile Home / Manufactured Home – Dealers or Toters

Prohibited

Mobile Home / Manufactured Home – Repair or Toters

Prohibited

EFFECTIVE: 05/15/17




Motorcycle Dealers



Authority • Specialty Vehicle Supplemental required. • CAG 1717 Reduced Liability Limits for Insured Drivers Under 21 or Drivers

Without Proper Operator’s License reduces Liability coverage to minimum statutory limits for customers or employees who do not have a valid motorcycle endorsement / license.

• Bike building / Trike conversion / Assembly: o Add Liability IRPM of 1.20. o Confirm assembly of parts manufactured by others.

• Non-structural alterations (including welding) is acceptable. • Structural alterations, Refer to Structural Alteration or Modification class.

• Rides or rallies exposure, add CAG 1714 Exclusion – Location(s), Operation(s), Products or Work You Performed.

o Designated Location(s): Any and all locations associated with rides or rallies.

o Designated Operation(s) and Designated Products or Work You Performed: Rides or rallies.

• Dealers Physical Damage and / or Garagekeepers Coverage when NOT within a fully enclosed building securely locked when unattended, add CAG 1716d Exclusion – Theft.

• Moped / Goped / Scooters not licensed for public road use, Dirt Bikes, 3 or 4 Wheel ATVs, Snowmobiles, Off-Road Vehicles, Personal Watercraft exposure:

o 1-20% of total exposure, Non-Licensed Vehicle Sales class can be added within your authority:

� Do not select the Non-Licensed Vehicle Sales class. � On the Quote letter forms list,

• CAG 1719 Limitation of Coverage – Schedule of Operations. Enter Selected Classifications and Non-Licensed Vehicle Sales – ATVs, Jet Skis, Snowmobiles, etc.

o 21% or greater of total exposure, this class is submit. � Select the Non-Licensed Vehicle Sales class. � Maximum sub-limit of Liability $300,000 per occurrence. � 3 X Agg is available. � Mandatory Form: CAG 1710 to sub-limit Liability to

$300,000 for Sales, installation, service or repair of Moped / Goped / Scooters not licensed for public road use, Dirt Bikes, 3 or 4 Wheel ATVs, Snowmobiles, Off-Road Vehicles, Personal Watercraft.

• Prohibited: o 21% or greater tires. o 21% or more structural welding. o Motorcycle or motorcycle parts manufacturing.

• MVRs are required on all owners, employees & drivers. Auto Parts, Accessory and Apparel are separately classified.

Non-Licensed vehicles are separately classified.

Structural Repair is separately classified.

Structural Alteration or Modification is separately classified.

EFFECTIVE: 05/15/17




Motorcycle Repair



Authority • Specialty Vehicle Supplemental required. • CAG 1917 Reduced Liability Limits for Insured Drivers Under 21 or Drivers

Without Proper Operator’s License reduces Liability coverage to minimum statutory limits for customers or employees who do not have a valid motorcycle endorsement / license.

• Bike building / Trike conversion / Assembly: o Add Liability IRPM of 1.20. o Confirm assembly of parts manufactured by others.

• Non-structural alterations (including welding) is acceptable. • Structural alterations, Refer to Structural Alteration or Modification class.

• Rides or rallies exposure, add CAG 1914 Exclusion – Location(s), Operation(s), Products or Work You Performed.

o Designated Location(s): Any and all locations associated with rides or rallies.

o Designated Operation(s) and Designated Products or Work You Performed: Rides or rallies.

• Dealers Physical Damage and / or Garagekeepers Coverage when NOT within a fully enclosed building securely locked when unattended, add CAG 1916d Exclusion – Theft.

• Moped / Goped / Scooters not licensed for public road use, Dirt Bikes, 3 or 4 Wheel ATVs, Snowmobiles, Off-Road Vehicles, Personal Watercraft exposure:

o 1-20% of total exposure, Non-Licensed Vehicle Repair class can be added within your authority:

� Do not select the Non-Licensed Vehicle Repair class. � On the Quote letter forms list:

• CAG 1919 Limitation of Coverage – Schedule of Operations. Enter Selected Classifications and Non-Licensed Vehicle Repair – ATVs, Jet Skis, Snowmobiles, etc.

o 21% or greater of total exposure, this class is submit. � Select the Non-Licensed Vehicle Repair class. � Maximum sub-limit of Liability $300,000 per occurrence. � 3 X Agg is available. � Mandatory Form: CAG 1910 to sub-limit Liability to

$300,000 for Sales, installation, service or repair of Moped / Goped / Scooters not licensed for public road use, Dirt Bikes, 3 or 4 Wheel ATVs, Snowmobiles, Off-Road Vehicles, Personal Watercraft.

• Prohibited: o 21% or greater tires. o 21% or more structural welding. o Motorcycle or motorcycle parts manufacturing.

• MVRs are not required. Auto Parts, Accessory and Apparel are separately classified.

Non-Licensed vehicles are separately classified.

Structural Repair is separately classified.

Structural Alteration or Modification is separately classified.

EFFECTIVE: 05/15/17




Navigation System Installation


Non-Licensed Vehicle Dealer – ATVs, UTVs, Jet Skis, Snowmobiles, etc.



add in COL)

Submit • Include Specialty Vehicle Supplemental. • Dealers Physical Damage and / or Garagekeepers Coverage when NOT

within a fully enclosed building securely locked when unattended, add CAG 1716d Exclusion – Theft.

• 1-20% of total exposure, this class can be added within your authority. o Do not select Non-Licensed Vehicle Sales class. o On the quote letter forms list:

� CAG 1719 Limitation of Coverage – Schedule of Operations. Enter Selected Classifications and Non-Licensed Vehicle Sales – ATVs, Jet Skis, Snowmobiles, etc.

• Jet Ski (1-20% of total exposure): Refer to Boat Dealer class. • 21% or greater of total exposure, this class is submit.

o Maximum sub-limit of Liability $300,000 per occurrence. o 3 X Agg is available. o Mandatory Form: CAG 1710 to sub-limit Liability to $300,000 for

Sales, installation, service or repair of Moped / Goped / Scooters not licensed for public road use, Dirt Bikes, 3 or 4 Wheel ATVs, Snowmobiles, Off-Road Vehicles, Personal Watercraft.

• Jet Ski (21% or greater of total exposure): The risk may be sent to the Ocean Marine Department.


Golf Carts are separately classified.

Moped / Goped / Scooters licensed for public road use: Classify as Motorcycle.

Motorcycles are separately classified.

EFFECTIVE: 05/15/17




Non-Licensed Vehicle Repair – ATVs, UTVs, Jet Skis, Snowmobiles, etc.



add in COL)

Submit • Include Specialty Vehicle Supplemental. • Dealers Physical Damage and / or Garagekeepers Coverage when NOT

within a fully enclosed building securely locked when unattended, add CAG 1916d Exclusion – Theft.

• 1-20% of total exposure, this class can be added within your authority. o Do not select Non-Licensed Vehicle Repair class. o On the Quote letter forms list:

� CAG 1919 Limitation of Coverage – Schedule of Operations. Enter Selected Classifications and Non-Licensed Vehicle Repair – ATVs, Jet Skis, Snowmobiles, etc.

• Jet Ski (1-20% of total exposure): Refer to Boat Repair class. • 21% or greater of total exposure, this class is submit.

o Maximum sub-limit of Liability $300,000 per occurrence. o 3 X Agg is available. o Mandatory Form: CAG 1910 to sub-limit Liability to $300,000 for

Sales, installation, service or repair of Moped / Goped / Scooters not licensed for public road use, Dirt Bikes, 3 or 4 Wheel ATVs, Snowmobiles, Off-Road Vehicles, Personal Watercraft.

• Jet Ski (21% or greater of total exposure): The risk may be sent to the Ocean Marine Department.


Golf Carts are separately classified.

Moped / Goped / Scooters licensed for public road use: Classify as Motorcycle.

Motorcycles are separately classified.

Oil/Lube Service – 50 % or more of total operations.



Minimum Liability

Deductible $1,000

Authority • Less than 50% Oil / Lube is separately classified as Auto Maintenance & Repair.


Heavy Truck is separately classified.

EFFECTIVE: 05/15/17




Parking Lots & Parking Garages

Submit • Include Valet and Parking Lot Supplemental.

• Garagekeepers must be insured to at least 5,000 minimum per parking space.

• Garagekeepers Legal Liability basis only. • Annual Receipts required.

• Risks that do not want Garagekeepers coverage should be written on a GL coverage form.


Valet Parking is separately classified.

Performance Repair / Performance Enhancement

Submit • Submit to company a list of the types of autos and detailed list of work performed.


Auto Parts and Accessory sales are separately classified. Lift Kits / Lowering Kits / Suspension Modification are separately classified. Race Cars are separately classified. Structural Repair & Structural Alteration or Modification are separately classified.

Powder Coating Authority • COL rate under primary classification (such as Body Shop & Painting)

and add the following form: CAG 1914: Exclusion – Locations, Operations, Products or Work You Performed.

Powder coating of any property other than “autos”. Applies to:


• UL / NFPA approved paint booth is required or; • Risks without a UL / NFPA approved paint booth require:

o Proper ventilation. o Explosion proof lighting/fixtures. o Paint storage outside the booth and in a NFPA approved metal

cabinet with doors. • Touch up painting does not require approved paint booth. • MVRs are not required.

Power Washing Authority • COL rate under primary classification (such as Detailers) and add the

following form: CAG 1914: Exclusion – Locations, Operations, Products or Work You Performed. Power washing of any property other than “autos”.



EFFECTIVE: 05/15/17




Public Livery Repair (taxis, limos, etc.)



add in COL)


Include a complete description of repairs and type of vehicles.


Bus repair is separately classified.

Race Cars Prohibited

Recreational Vehicle Dealers



Authority • Appliance, plumbing, electrical, and slide-out repair are acceptable. • MVRs are required on all owners, employees & drivers.

Auto Parts and Accessory Sales are separately classified.

Boat storage is separately classified.

Food truck conversion – refer to Van Conversion.

Gas Stations & Convenience Stores are separately classified.

LPG Dealers are separately classified.

Park Models – refer to Mobile Home / Manufactured Home – Dealers or Toters.

Recreational Vehicle Repair



Authority • Appliance, plumbing, electrical, and slide-out repair are acceptable. • MVRs are not required.

Auto Parts and Accessory Sales are separately classified.

Food truck conversion – refer to Van Conversion.


Gas Stations & Convenience Stores are separately classified.

LPG Dealers are separately classified.


Recreational Vehicle Storage – No Repair

Authority • Garagekeepers Legal Liability basis only. • MVRs are not required.

Auto Parts & Accessory Sales are separately classified.


Gas Stations, LPG Dealers & Convenience Stores are separately classified.

Repossessors – For Hire

Prohibited

EFFECTIVE: 05/15/17




Semi Trailer Dealers



Authority • Include Specialty Vehicle Supplemental. • Liability coverage will be reduced to minimum statutory limits for

customers or employees who do not have a valid CDL endorsement / license.

• CAG1701 Excludes Refrigerated Truck and Trailer.

• Trucking Co. that forms a repair entity to service their own fleet – Contact your company underwriter for proper exclusionary wording.

• Non-structural alterations (including welding) is acceptable.

• Decline if over: o 20% brakes. o 20% hydraulics. o 20% refrigeration systems. o 20% tire. o 20% trailer hitch / king pin. o 20% welding.

• Prohibited: Manufacturing / Fabrication of mechanical parts. • Non-Admitted Dealers: rated as Non-Dealer based on payroll. • MVRs are not required unless a test driving or pickup & delivery

exposure exists.

Separately classified: Bus Contractors Equipment Emergency Vehicles Farm Equipment Structural Repair Structural Alteration or Modification Tanker Truck/Trailer Trailer – Utility Trailers

EFFECTIVE: 05/15/17




Semi Trailer Repair



Authority • Include Specialty Vehicle Supplemental. • Liability coverage will be reduced to minimum statutory limits for customers

or employees who do not have a valid CDL endorsement / license. • CAG1901 Excludes Refrigerated Truck and Trailer.

• Trucking Co. that forms a repair entity to service their own fleet – Contact your company underwriter for proper exclusionary wording.

• Non-structural alterations (including welding) is acceptable.

• Decline if over: o 20% brakes. o 20% hydraulics. o 20% refrigeration systems. o 20% tire. o 20% trailer hitch / king pin. o 20% welding.

• Prohibited: Manufacturing / Fabrication of mechanical parts. • Non-Admitted Dealers: rated as Non-Dealer based on payroll. • MVRs are not required.

Separately classified: Bus Contractors Equipment Emergency Vehicles Farm Equipment Structural Repair Structural Alteration or Modification Tanker Truck/Trailer Trailer – Utility Trailers

Structural Alteration or Modification

Refer to primary class

• Alteration or Modification: Any change from the original auto manufacturer’s structural design.

• When exposure exists: o If 20% or greater, decline. o If 20% or less, rate under primary classification and add CAG 1714 /

1914: Exclusion – Locations, Operations, Products or Work You Performed.

Sales of structurally altered or modified autos.

Installation, service or repair of structural alterations or modifications. Applies to:


Limousine Conversion is separately classified.

Trike conversion: refer to Motorcycle Repair.

Van Conversion (Food Truck) is separately classified.

EFFECTIVE: 05/15/17




Structural Repair Refer to primary class

• Repair that restores the vehicle to the original auto manufacturer’s structural design.

• Traditional example – Collision Repair.

• Prohibited: Structural repair and straightening to rims and wheels.

When exposure exists:

o If 20% or greater, decline. o If 20% or less, rate under primary classification and add CAG 1714 /

CAG 1914: Exclusion – Locations, Operations, Products or Work You Performed.

Structural alteration, structural modification or structural repair to auto wheels or rims; including the sales, service or installation of these auto wheels or rims.


Auto Maintenance & Repair is separately classified.

Body Shop & Painting is separately classified.

Trike conversion: refer to Motorcycle Repair.

Tanker Dealers Prohibited

Tanker Repair Prohibited

Tire Dealers Prohibited

EFFECTIVE: 05/15/17




Trailer Dealers Authority • Exposure: Utility trailers, Flat bed trailers, horse trailers, travel trailers, car dollies and fifth-wheels.

• Non-Admitted Dealers: Rate as Non-Dealer based on payroll.

• Tanker trailers are prohibited.

• FEMA trailers are prohibited.

• Required: CAG 1714: Exclusion – Locations, Operations, Products or Work You Performed.

Sales, installation, service or repair of trailers or mobile homes provided by the Federal Emergency Management Agency (“FEMA”).

Applies to:


• MVRs are not required unless a test driving or pickup & delivery exposure exists.


Semi-Trailers are separately classified, and required if greater than 20% of total exposure.

Structural Repair &Structural Alteration or Modification are separately classified.

Trailer Repair Authority Exposure: Utility trailers, Flat bed trailers, horse trailers, travel trailers, car dollies and fifth-wheels.

• Tanker trailers are prohibited.

• FEMA trailers are prohibited.

• Required: CAG 1914: Exclusion – Locations, Operations, Products or Work You Performed.

Sales, installation, service or repair of trailers or mobile homes provided by the Federal Emergency Management Agency (“FEMA”).




Semi-Trailers are separately classified, and required if greater than 20% of total exposure.

Structural Repair & Structural Alteration or Modification are separately classified.

EFFECTIVE: 05/15/17




Trailer Hitch Installation or Repair

Authority • If greater than 20% heavy truck, semi-trailer, king pin exposure the use Semi-Trailer classification.


Upholstery Authority • Jet Ski more than 20% of operations, the risk may be sent to the Ocean Marine Department.

• Use symbol 32 on Dealers Physical Damage and / or Garagekeepers. • Add form CA 9954 and define symbol 32 as:



Valet Parking


Minimum Garagekeepers IRPM:

1.60


add in COL)

Minimum Liability

Deductible $1,000

Submit • Include Valet and Parking Lot Supplemental. • Garagekeepers must be insured to at least 5,000 minimum limit per

parking space. • Garagekeepers Legal Liability basis only. • 3 park ticket system. • Traditional specified location valet:

o Off-Site special events must be submitted to the company for underwriting and rating. These special event locations will be temporarily added to the location schedule.

• On-Street Driving or Parking:

o Minimum Liability IRPM 1.75

o Minimum Garagekeepers IRPM 1.75

• Blanket Special Event Valet:

o 3 year hard copy loss runs required

o Minimum Liability IRPM 2.00

o Minimum Garagekeepers IRPM 2.00

• Prohibited:

o Passenger transport

o Courier service

o Concierge services – pickup/delivery of auto to a 3rd party repair shop, car wash, etc.


Parking Lots & Parking Garages are separately classified.

EFFECTIVE: 05/15/17




Van Conversion /

Food Truck Conversion

Submit Please provide a complete list of types of equipment and Specialty Vehicle Supplemental.

• Cosmetic changes: such as running lights/boards, captain’s chairs, etc. Provide a complete list of all products sold and installed.


Handicapped Modification is separately classified.

Structural Repair & Structural Alteration or Modification is separately classified.

Window Tinting Authority • Vehicle wrapping with vinyl sticker placement is acceptable. • Submit to our GL department:

o Vinyl sticker manufacturing / printing o Residential and Commercial Building Glass o Add CAG 1914 to exclude these exposures.


Windshield Installation/Repair


Wrecker Service Submit • For-Hire towing exposures: Prohibited

• Not For-Hire towing exposures

Submit:

o Scheduled Autos

We will insure a dealer / repair operation that schedules a wrecker for their own use. See U/W Guide for applicable states.

o Garagekeepers (Including In-Tow)

We provide this coverage with no additional premium and no additional form with Not For-Hire.


Impound Yards / Storage Lots are separately classified.

Mobile Auto Repair / Roadside Assistance are separately classified.