The following should not be considered a complete listing or description of classes available. If you have any products you need a market for, we encourage you to call our staff at any time.


  • Local 0-100 miles radius
  • Intermediate 100-300 miles radius
  • Long Haul 300 + mile radius
Classes consist of but are not limited to:
General commodities Lumber/bldg materials
Hazardous Materials Pulp/logs/wood chips
Petroleum transport incl. LPG, Fuel Oil & Gas Livestock
Wholesale & Retail Delivery Cement Mix
Garbage Operations Milk
Specialized Delivery such as movers, armored car Sand & Gravel
Crane/boom Trucks Mobile Homes
Food Delivery Automobiles
Contractors Produce


Not-for-hire exposure also available Bobtail/Deadhead coverage. Risk are usually long haul truckers that operate under permanent lease to a large trucking firm.

Business Auto

  • For Hire & Not for hire exposures
  • Risk operate own vehicles in their business, generally are not for hired
  • Exceptions to this may be Towing operations which can be for and not for hire
Classes consist of but are not limited to:
Vending companies Artisan type contractors
Portable sawmills Locksmith
Driver training vehicle  

Public Auto

Some common types of public automobile:
Airport Transportation. Sightseeing & guided tours
Entertainer type buses Social services, special needs and Non - emergency medical
Church, Day Care Private Ambulances
Contracted Child Transportation Work/business shuttles service
Courtesy vehicles Bingo & Casino Transportation
Assisted living and Nursing, homes vans Hotel/motel shuttle vehicles
Limousines Guide Service


  • Non Franchise Dealers, Service Operations
  • Dealers Open Lot or GKLL – Legal, direct/primary – physical damage
  • Schedule owned vehicles
  • On Hook coverage is available on this policy form
Classes consist of but are not limited to:
Car Washes Towing operations
Detail Operation Window Tinting
Gas Service Stations Truck, Tractor & trailer repair
Installation of Car Alarms New & Used Sales - ATV, Snowmobiles, Motorcycles
Paint and Body Shops Used Auto & Light Truck sales
RV Sales and Service Used Trucks & Tractors sales
Brake Shops New/Used Motor Homes sales
Tire sales & repair Farm Equipment repair


  • Liability Limits up to $5,000,000. (available primary, excess or umbrella basis)
  • Medical Payments
  • Uninsured Motorist/UIM
  • Physical Damage
  • Cargo
  • Trailer Interchange
  • Hired & Non-owned
  • FHWA & State filings

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