Commercial Auto - Excess Auto Liability

Non-Dealer’s Garage Liability with Garagekeepers

Kinsale’s Commercial Auto Division offers primary and excess Non-Dealer’s Garage Liability with Garagekeepers coverage that targets businesses servicing vehicles left in their custody.

Our team of underwriters can offer creative and practical solutions for many of your hard-to-insure Garage Liability accounts, including those with poor loss history, gaps in coverage, or high-hazard operations. In addition to flexible primary limits, we also offer up to $5M in excess coverage on a supported and unsupported basis.

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Transportation General Liability

Kinsale offers Transportation General Liability through our Commercial Auto Division, providing solutions for small-to-midsize fleets and businesses. We can offer up to $1 million in primary limits with low minimum premiums and the creativity to craft coverage that fits each account.

We can consider hard-to-insure accounts, like new ventures, those with poor loss histories, or those with non-preferred drivers.

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Policy Structure:

• Up to $5M capacity
• Follow-Form excess policy
• Can offer unsupported or supported over Transportation General Liability

Underlying Requirements:

• Automobile Liability – $1M combined single limit
• General Liability – $1M/$2M/$1M

Submission Requirements:

• Underlying Auto Liability terms & General Liability terms when applicable
• Auto fleet breakout by vehicle type, including radius of operations & commodities hauled
  • ­­Year, make, model, & 17-digit VIN also required
• MVRs for drivers operating a scheduled auto
• Acceptable Commercial Insurance application & Excess/Umbrella application
• Supplemental application, where appropriate (signed & dated by the insured when bound)
• Five-year currently valued company loss runs with a description provided for large losses (over $100,000)
• Website information