Commercial Auto - Truckers' General 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.

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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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Policy Structure:

• Commercial General Liability
• ISO Occurrence or Claims-Made forms
• Employee Benefits Liability
• Stop Gap Liability
• Up to $1M in primary limits
• Up to $5M available with Kinsale’s Excess Auto Liability

Minimum Premium:

• $1,650

Deductible:

• Starts at $1,000

Submission Requirements:

• Appropriate Commercial & General Liability applications
• Supplemental application, where appropriate
• Five-year currently valued company loss runs
• Website information

Avoided Risks:

• Ride-sharing operations