Commercial Auto - Non-Dealer's Garage Liability

Excess Auto Liability

From long-distance hauling to contractor fleets, Kinsale’s Commercial Auto Division offers Excess Auto Liability coverage, providing lead excess or buffer layers on an unsupported or supported basis.

We target small-to-midsize tractor trailer fleets and commercial contractor fleets, including those in difficult legal venues or with hard-to-insure operations.

Learn More

Truckers’ General Liability

Kinsale offers Truckers’ 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.

Learn More

Policy Structure:

• Full Garage Liability for non-dealer service & repair operations with Garagekeepers coverages
• Up to $5M in excess coverage available (supported & unsupported)
• Occurrence basis of coverage
• Employee Benefits Liability
• Stop Gap Liability

Minimum Premium:

• $1,500

Deductibles:

• Starting at $500
• Separate deductibles for “Covered Autos,” “Other Than Covered Autos,” & Garagekeepers

Submission Requirements:

• Acceptable Commercial Insurance application & Garage Liability application with a complete description of operations (signed & dated by the insured when bound)
• Supplemental application, where appropriate (signed & dated by the insured when bound)
• Five-year currently valued company loss runs with a description provided for losses over $25,000
• Website information