Public Auto

What We In Insure

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Taxi Cab/ Car Service Eligible Operations

– For-Hire transportation of passengers. Insured must be dispatched from or a member of a radio group of association, or possess a medallion.
-Demand-Response units with less than 24-hour prearranged pickup reservations. -New venture individuals and partnerships are acceptable with résumé or letter of experience indicating how many years he/she has experience operating a similar vehicle type.
-In jurisdictions where owner-operators receive a discount, refer to the state-specific filing for eligibility and credit allowed.
-Double shifts are eligible with proof of a current formal maintenance program.
-Sedans and minivans with capacity up to 7 passengers, excluding the driver

Lines Of Business

-Automobile Liability, Physical Damage, and General Liability
-Up to $1,000,000 CSL

Limousine Eligible Operations

-Pickups arranged at least 24 hours in advance.
-Vehicles used for special events (weddings, proms, funerals), business functions, airport trips, and local "nights on the town."
-New ventures are acceptable with résumé or letter of experience indicating how many years he/she has experience operating a similar vehicle type.
-Radius of operation within 100 miles -Must be present at beginning an end of event.
-Luxury sedans and stretches, vans and minibuses.
-Vehicles with seating capacity greater than 8 passengers, excluding the driver, may be rated as a Charter Bus.
-Classic vehicles, stretches greater than 150 inches long, and vehicles with unique modifications will be considered at the Underwriter's discretion.

Lines Of Business

-Automobile Liability, Physical Damage, and General Liability (through ACIC)
-Up to $1,000,000 CSL.

Paratransit Eligible Operations

-For-Hire transportation of patients on a contract or demand-response basis
-Medicars & Ambulettes
-Vehicles owned and operated by social service organizations, or medical facilities, used to transport their clients/patients.
-Eligibility for rating under this classification requires a minimum 85% revenue from these types of operations. Not more than 15% can come from a taxi exposure. Contracts and/or financials may be requested for verification.
– Insured must conform to all laws regarding having matrons/aides on vehicles.
– Patients must be belted in and strapped securely.

Lines Of Business

-Automobile Liability, Physical Damage, and General Liability
-Up to $1,000,000 CSL.

Airport Transit Eligible Operations

-Airport shuttles to hotel/resort or business/casino.
-Airport taxi that is 100% associated with airport – all rides must originate at airport.
– Sedans and vans up to 14 passengers (exceptions made at underwriters discretion)

Lines Of Business

– Automobile Liability, Physical Damage, and General Liability
-Up to $1,000,000 CSL

Business Auto Eligible Operations

-Vehicles used in the pursuit of the insured's business.
-Vehicles which are registered to the business if it is a corporation, or to an individual if it is a sole proprietorship or partnership.
-PPTs must be registered in a business or corporate name.
-Local or intermediate radius only (ISO definition).

Lines Of Business

-Automobile Liability and Physical Damage
-Up to $1,000,000 CSL