Available Insurance Markets:
|
Company
|
AM
Best Rating*
|
Financial Size
|
|
National Specialty Insurance Company
|
A
(Excellent)
|
VIII ($100
Million to $250 Million)
|
|
State National Insurance Company
|
A
(Excellent)
|
VIII ($100
Million to $250 Million)
|
|
Lloyds of London
|
A
(Excellent)
|
XV ($2
billion or greater)
|
|
Steadfast Insurance Company
|
A
(Excellent)
|
XV ($2
billion or greater)
|
|
Lexington Insurance Company
|
A
(Excellent)
|
XV ($2
billion or greater)
|
* As of 5/19/10.
Coverage Available:
Commercial Auto
- Liability
- Hired Auto (Liability and Physical Damage)
- Non-Owned Auto
- Uninsured Motorist
- Personal Injury Protection
- Medical Payments
- Physical Damage
- Trailer Interchange
- All ISO coverages available.
General Liability
- General Aggregate (Other than products & completed operations) and
Each Occurrence Limit
- Products & Completed Operations (For truckers only)
- Personal & Advertising Injury Liability
- Premises Rented to You
- Medical Expense
- Employer Benefits Liability
- All ISO coverages available.
Motor Truck Cargo
- Refrigeration Breakdown
- Riggers
- Contingent Transit
- Unattended Truck
- Earned Freight
- Debris Removal
- Less Than Truckload.
Primary Policy Limits Available:
|
Auto Liability
|
$1,000,000 Combined Single Limit
(BI & PD)
|
|
Physical Damage
|
Stated Amount up to $125,000
per Auto per Loss/$500,000 per Loss
|
|
General
Liability
|
$2,000,000 Aggregate /
$1,000,000 Each Occurrence
|
|
Motor Truck Cargo
|
Up to $500,000
|
|
Excess/Umbrella
|
Up to $5,000,000 x $1,000,000
|
States Available:
TCSI has the ability to write
within the entire United States
with the exception of:
- Massachusetts
- Alaska
- Hawaii
Other Services:
- Monthly Reporting of Revenue, Mileage, or Autos.
- Deductible Options including Basket Deductibles.
- FMCSA, States and DMV Filings.
- Loss Control Services including Mock DOT Audits, Hiring and Retention
Seminars, Safety Videos, and Post Collision Analysis.
- Third Party Claims Adjusters for Specialized Claim Handling.
Prohibited Classes:
- Auto and Truck Rental Fleets
- Risks Requiring Petroleum Permits or Filings
- Mobile Crane and Similar Mobile Mounted Equipment
- Rigging Operations
- House Movers
- Logging or Lumbering Off-Road
- Mobile Equipment Subject to State Financial Responsibility Laws
- Mobile Home, Motor Home and Camper Haulers
- Moving and Storage
- Rental or Leasing Without Drivers
- Separate Brokerage Entities
- Towing
- Mix-In-Transit
- Triple Trailers
Minimal Exposure Permissible:
- Log and Pulp Wood
- Anhydrous Ammonia
- Ammonia Nitrate
- Explosives and Ammunition
- Fireworks
- Gasoline
- Flammable Material
- Alcohol
- Diesel Fuel
- Liquid Petroleum Gas
- Bulk Chemicals
- Bulk Agricultural Fertilizers
- Liquid Asphalt
- Milk (Tank Trailers)
- Contaminated Soil
- Garbage or Trash
- Heavy Machinery or Equipment
- Acid and Corrosive Liquids (Bulk or Package) Haulers
- Oil Well Equipment
- Bulk Pressurized Liquid or Gases
- Swinging Meat Haulers
- Steel Coil Haulers
- Livestock Haulers
- Hazmat / Hazardous Waste
Driver Eligibility Requirements:
- All MVRs must be valid within six months.
- All violations and accidents in commercial or personal vehicles
will be measured.
- All accidents on MVRs or loss runs are considered at-fault
unless otherwise supported by a police report.
- Sampling of MVRs may be done under MVR Sampling Table under
F.8.d.(4)
Driver Eligibility
- Drivers must have a current and valid CDL applicable to the
vehicle being driven.
- Have at least two years of professional, over-the-road
experience with a similar operation.
- Must provide proof of a current medical certificate for any
driver over the age of 65.
- No Major Violation (Type I) within 36 months, No Major
Violations (Type II) within 60 months, 5 or more Minor Violation points in the
past 36 months, or 3 or more Minor Violation points in the past 12 months.
Violation
Table
|
Minor Violations
(1 Point)
|
Minor Violation
(2 Points)
|
Major Violation
(Type I) - 36 Months
|
Major Violation
(Type II) - 60 Months
|
|
§ Improper Stop on Highway
§ Lane Violation
§ Speeding 1-15 MPH Over Limit
§ Traffic Control Device
§ Unsafe Operation of a Motor Vehicle
§ 1 At Fault Accident
§ Failure to Yield
§ Red Light
§ Stop Sign
§ Improper U-Turn
§ Improper Backing or Turning
|
§ Speeding 16-20 MPH Over
§ Following too Close
§ Careless Driving
|
§ Failure to Report an Accident
§ Failure to Stop, Aid, or Identify
§ Reckless Driving
§ Wrong Way on Highway
§ At Fault Accident with a Fatality
§ 2 or More At Fault Accidents (referral)
§ Allowing Non-Licensed Operator
§ Speed 21+ (may be referred)
|
§ Driving w/ Suspended-Revoked License
§ DUI/DWI, Drug or Alcohol Possession
§ False Report to Department
§ Fraudulent Use of Driver’s License
§ Hit and Run
§ Leaving the Scene
§ Homicide with a MV
§ Manslaughter with a MV
§ Passing a School Bus
§ Participating in Racing
§ Eluding a Police Officer
§ Railroad Crossing
|
If you have an account that you
would like to submit, please call to discuss it with any available underwriter
or put a full submission together and email it to info@tcs-ny.com to reserve the
account. The assigned underwriter will contact you ASAP to further
discuss the submission.
Please see our account
submission page for all applications, forms and required info.
|
