Terms & Definitions

DISCLAIMER: Coverage descriptions below are for general information only. Coverages vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Actual coverage is subject to all terms, conditions, and exclusions of the policy.

• Liability - Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.
• Physical Damage - Physical damage coverage pays for damage to your vehicle.
• Uninsured Motorist (UM) and Underinsured Motorist (UIM) - Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
• Medical Payments - Medical payments coverage pays for medical bills for occupants of a covered vehicle.
• Cargo - Cargo coverage pays for damages to goods you transport for hire or when transporting your own goods.
• In-Tow - In-tow coverage pays for damage to a customer's auto that is towed or carried by your truck.
• Trailer Interchange - Trailer Interchange coverage pays for damages for which you are liable up to the limit chosen and only applies to trailers you do not own that are in your control or possession.
• Truckers General Liability - Truckers General Liability pays for bodily injury, property damage, personal and advertising injury, and medical expenses arising out of your for-hire trucking operations.

Regulatory Filings: Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

• Loading and Unloading - Covers accidental breakage of cargo during loading and unloading process.
• Refrigeration Breakdown - Covers losses caused by malfunctions in temperature control units.
• Earned Freight - Replaces income lost when a load cannot be delivered due to a covered cargo loss.

• Liability - Our general liability coverage is divided into two categories of liability coverage: Bodily Injury & Property Damage Liability coverage and Personal & Advertising Injury Liability coverage.
  • Bodily Injury & Property Damage - Bodily Injury & Property Damage Liability coverage pays for bodily injury and property damage for which you are liable up to the policy limits you choose. This coverage does not pay for damages caused by the use of an auto; for that you need one of our auto insurance policies. This coverage is subject to certain other exclusions as well. Please contact your agent for further details.
  • Personal & Advertising Injury - Personal & Advertising Injury Liability coverage pays for damages caused by a personal and advertising injury for which you are liable up to the policy limits you choose. Personal and advertising injury includes false imprisonment, malicious prosecution, wrongful eviction by a landlord, slander, libel, copyright infringement in your advertisements, and certain other offenses.
• Medical Expense - Medical Expense coverage pays for medical bills for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.
• Care, Custody, or Control - Care, Custody, or Control coverage pays for damages to a customer’s personal property in your care, custody, or control.
• Garagekeepers - Garagekeepers coverage pays for damages to a customer’s auto that is left with you for service, repair, storage or safekeeping.

• Liability - Liability coverage pays for Bodily Injury and Property Damage for which you are liable, whether the liability arises out of garage operations or the use of a covered auto, up to the policy limits you choose.
• Physical Damage (Dealers Open Lot) - Physical Damage coverage pays for damages to covered vehicles. You may purchase this coverage for scheduled vehicles or for vehicles held for sale at your location, commonly referred to as Dealers Open Lot.
• Uninsured Motorist (UM) and Underinsured Motorist (UIM) - Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
• Medical Payments - Medical payments coverage pays for medical bills for occupants of a covered vehicle or for persons injured on your premises or by your operations, regardless of fault, up to the policy limits you choose.
• Garagekeepers - Garagekeepers coverage pays for damages to a customer’s auto that is left with you for service, repair, storage or safekeeping.

• Charter Buses
  Sightseeing and tour buses, entertainer buses, wilderness expedition vehicles, ski buses, casino buses
• Children's Transportation
  School buses, day care vans, Head Start Program autos, scout buses, group home vans/shuttles
• Company or Executive Vehicles
  Salespersons’ vehicles, visiting nurses’ autos, owners’ personal vehicles
• Construction Vehicles
  Boom trucks, mobile truck cranes, cement pumpers, dump trucks, service trucks, fuel trucks, water trucks
• Contractors Vehicles
  Vehicles used by plumbers, roofers, electricians, landscapers, locksmiths, painters
• Courtesy Transportation Vehicles
  Courtesy vehicles for car dealers, repair shops, hotels and restaurants
• Delivery Vehicles
  Delivery vehicles for flowers, couriers, packages, auto parts, furniture, U.S. mail, pizza, food, other manufactured goods
• Drive-away Contractor Vehicles
  Registration plates, transporter tags, named operators
• Driver Training Vehicles
  Sedans, trucks, tractor/trailers
• Dump Trucks
  Dump trucks used by contractors and aggregate haulers
• Employee Transportation
  Vehicles used to transport railroad workers, farm laborers, and other employees to and from the job-site
• Farmer Vehicles
  Pickup trucks, grain trucks, livestock trucks, dump trucks
• Funeral Homes Vehicles
  Escort vehicles, limousines, hearses, flower cars
• Hazardous Commodity Haulers
  Trucks hauling fuel oil, propane, gasoline, and other chemicals (some exclusions exist)
• Limousine and Sedan Services
  Stretched and super-stretched limousines, stretched SUVs, executive transport autos, airport transportation vehicles
• Mass Transit
  Urban buses, trams, trolleys, shuttle services, airport shuttles
• Medical Transportation
  Ambulances, rescue squad vehicles, non-emergency medical transportation autos, medical provider courtesy vehicles
• Municipality-owned Vehicles
  Ambulances, law enforcement vehicles, fire trucks, water trucks, hazardous material responders, street sweepers
• Mobile Concession Vehicles
  Taco trucks, vehicles used by caterers and hot dog vendors
• Mobile Operations Vehicles
  Bookmobiles, bloodmobiles, mobile offices, mobile medical testing
• Non-trucking Liability
  Bobtail/deadhead contingent liability
• Religious Organization Vehicles
  Church vans, choir buses, Amish transportation shuttles, vehicles used by the pastor
• Rental Operation Vehicles
  Commercial vehicles, sedans, SUVs, minivans
• Security Vehicles
  Vehicles for bail bondsmen, private investigators, security patrols, home security, and prisoner transport
• Social Service Vehicles
  Head Start Program autos, group home vans/shuttles, YMCA buses, scout buses, senior citizen center vehicles
• Tankers
  Water trucks, fuel trucks, trucks hauling liquid asphalt and other chemicals (some exclusions exist)
• Taxis
• Tow Trucks
  Wreckers and rollbacks for repair shops, car dealerships, police rotation, repossessors, salvage yards
• Truckers
  Car carriers, mobile home toters, other long haul trucks hauling goods for hire

• Used Car Dealers
  Non-franchised dealers whose primary sales are private passenger autos or light trucks.
• Truck & Tractor Dealers
  Non-franchised dealers who sell used trucks and tractors.
• Motor Home Dealers
  Franchised or non-franchised dealers whose sales are motor homes.
• Trailer Dealers
  Franchised or non-franchised dealers whose primary sales are trailers. These trailers include trailers used for trucking purposes and camper style "5th wheel" trailers.
• Motorcycle/ATV Dealers
  Franchised or non-franchised dealers who sell motorcycles, snowmobiles, all-terrain vehicles, golf carts, etc.