Commercial Auto
This insurance offers broader protection to truck drivers, couriers, business owners, snow plough operators and people like the pizza delivery guys. The common types of individual auto insurance policies would also apply to commercial insurance like bodily injury liability, collision, personal injury protection, property damage, comprehensive, and uninsured motorist policies. It is smarter to hold commercial auto insurance when you are a business owner; such a cover will save you from a financial catastrophe.
As in the case of personal comprehensive coverage, this kind of commercial auto insurance will pay for all damages that are incurred by your vehicle when it is being used for business.
Construction—Special Trade Contractors
Tradesmen who earn income by performing repair, improvement, installation, or maintenance services at residential and commercial locations, including new construction sites.
Construction—Builders & General Trade Contractors
Contractors or builders managing projects related to housing or non-housing construction. They are responsible for the entire project (new work, alterations, remodeling, and repair) and hire special trade contractors for their projects.
Courier, Mail & Newspaper Delivery
Business that earns income by completing the delivery of letters, documents or small packages for a fee. Please note that the “Courier” business classification is not available to Sole Proprietors. Examples include but are not limited to:
- Legal Documents
- Federal Express
- Occupational Accident
- Greyhound Package Express
Farming & Livestock
Business earns income by raising livestock or agricultural production. Examples include:
- Farming
- Ranching
- Fisheries
- Nurseries/Floriculture production
Food Services, Restaurants, & Pizza Delivery
Business earns income by providing and selling prepared food. Vehicles used to support business by delivering prepared food, picking up supplies, running errands, etc.
For-Hire Livery
Business earns income by transporting customers for a fee. This business type is unacceptable. Examples include but not limited to: UBER®, LYFTTM.
Dirt, Sand & Gravel
Business earns income by transporting dirt, sand, gravel or asphalt on a for-hire basis. This business type is unacceptable.
Landscaping, Snowplowing & Firewood
Business earns income by providing landscaping or snowplowing services to residential and commercial properties. Can also earn income by delivering or selling firewood.
Examples include but are not limited to:
- Lawn care installation or maintenance
- Tree trimmers
- Snow removal (residential/commercial)
- Delivery of firewood
Logging & Log Transport
Business earns income transporting logs, lumber, or wood chips for a fee. This business type is unacceptable.
Non-Business
Applicant uses vehicle for personal use only, no income is earned. Examples include but are not limited to:
- Personal auto titled in the business name
- Vehicle type not acceptable on a personal policy
Manufacturing
Establishments engaged in the mass production of products.
Passenger Transportation(Not for Hire)
Business earns income through a service to their customers. Passengers are transported as a courtesy and are incidental to the way the business earns a profit. Transportation of passengers is not done on a for-hire basis. Unacceptable risks include taxicabs, transportation of prisoners or reform school students, transporting of children between home and school, and all for-hire livery/passenger risks. Acceptable example includes a courtesy hotel shuttle for guests.
Retail Trade Operations
Sale of goods in small quantities to the public.
Services
Business earns income by providing a service or selling goods. Vehicles used to support business by delivering goods, picking up supplies, running errands, etc.
Towing Services, Gas Stations & Auto Repair
Establishments primarily engaged in providing towing services and auto repair. This business type is unacceptable.
Trucking For-Hire
Business earns income by transporting raw materials, goods, or equipment.
Examples include but are not limited to:
- Agricultural hauling
- Refrigerated goods
- Snow removal (residential/commercial)
- Delivery of firewood
Waste Haulers
Business earns income by collecting from residential or commercial customers, including containers from construction sites and to/from transfer stations and landfills. Also includes septic waste contractors and businesses that recycle or sell scrap metal. This business type is unacceptable.
Wholesale Trade
Establishments primarily engaged in the purchase of durable and/or non-durable goods, including food products from manufacturers and their distribution to retailers.