Commercial Auto

Kinsale’s Commercial Auto Division offers Non-Dealer’s Garage Liability and Garagekeepers coverage, which target businesses servicing vehicles left in their custody. We also offer Excess Auto coverage, providing lead excess and buffer layers on an unsupported basis.

Our Commercial Auto team can offer creative and practical solutions for many of your hard-to-insure Garage Liability and Excess Auto accounts.

Excess Auto Liability:

NEW SUBMISSIONS: ca@kinsaleins.com

 

TARGET CLASSES:

  • Standalone Excess Auto
    • Appliance delivery
    • Contractor auto fleets
    • Energy/oil & gas auto fleets – includes tractor trailer fleets
  • Trucking
    • Short or long haul trucking
    • New ventures
    • For-hire trucking
  • Tractor trailer fleets
  • Last mile package delivery or courier services
  • Pilot car services

Policy Structure:

  • $5,000,000 capacity
  • Follow-Form excess policy

Underlying Requirements:

  • $1,000,000 Combined Single Limit

Submission Requirements:

  • Underlying Auto Liability terms and, when applicable, General Liability terms
  • Auto fleet breakout by vehicle type, including radius of operations and commodities hauled
    • ­­Year, make, model, and 17-digit VIN# also required
  • MVRs for drivers operating a scheduled auto
  • ACORD Commercial Insurance application and Excess/Umbrella application
  • Supplemental application, where appropriate (signed and 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

Non-Dealers Garage Liability:

NEW SUBMISSIONS: gk@kinsaleins.com

 

TARGET CLASSES:

  • Alarm installation and repairs
  • Automotive glass replacement and glass tinting
  • Automotive oil changes and lubrication
  • Body and paint shops
  • Construction & farm equipment service
  • Dry-docked boat services
  • Full-service car wash and car detailing
  • Gas station with repair operations
  • General automotive repair and service
  • Heavy truck service
  • Mobile auto detailing
  • Mobile mechanic and roadside assistance
  • Valet parking operations

Policy Structure:

  • Full Garage Liability for non-dealer service and repair operations with Garagekeepers coverages
  • Occurrence basis of coverage
  • Employee Benefits Liability
  • Stop Gap Liability
  • Minimum premiums starting at $1,500
  • Deductibles starting at $500 for “Covered Autos,” “Other Than Covered Autos,” and Garagekeepers

Submission Requirements:

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

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