Workers' Compensation and Commercial Auto*
Workers' Compensation Overview
Almost 70% of class codes covered
Online appetite checker
Construction, landscaping, trucking, transport, janitorial, cleaning, manufacturing, office and administrative, automotive, retail stores, restaurants and bars
Appetite checker will provide required years in business, and minimum payroll requirements
Frequency of loss is bigger issue than a shock/severe loss
Standard Workers' Compensation coverages
Credits available upon request
*Available in AZ, IL, IN, MD, WI, and TN. Expansion to other states in planned.
Coverage for Box Trucks, Dump Trucks, Pick-up Trucks, Cargo Vans, Flatbed Trucks, and SUVs
Carpentry, Electricians, Janitorial and Cleaning, Office & Admin, General Contractors, Manufacturing, Lawncare and Landscape, Mechanical contractors (HVAC and plumbing), Retail/Wholesale
Liability, Physical Damage, UM/UIM, Rental reimbursement, roadside assistance, CA symbols 7, 8, 9 (Symbol 1 coverage on a case-by-case basis)
10% multi-policy discount can be applied to the Auto if the insured also purchases Workers Comp with Pie.
15% Paid in full discount is available.
No Trucks greater than 26k GVW, emergency use vehicles, 16+ passenger capacity or paratransit, Military type vehicles, vehicles not licensed for road use, Cargo requiring a placard, kit cars or gray market vehicles, or vehicles with permanent specialized equipment with value >25% of vehicle
No passenger transport, for hire transport, towing or roadside ops, residential in home delivery (including food), couriers and other package delivery (e.g. Amazon/FedEx contractors), driving schools, any ops requiring BMC-91, MCS-90, Form E, Cargo, or any other similar filing.
