Commercial Auto

Learn more about our Commercial Auto Property & Casualty Program.

While AIA’s Commercial Auto is available on a standalone basis, this coverage is also an ideal complement to our Workers’ Compensation and Businessowners’ Policies, and we make the Commercial Umbrella/Excess available as well.

Together these products provide a multi-policy solution able to address the characteristic insurance needs of our targeted customers. Using a traditional ISO form with competitive basic pricing and an optional stretch endorsement, we also feature Schedule Credits/Debits for qualifying accounts.

Target Classes

  • Restaurants
  • Retail Goods & Services
  • Professional Offices
  • Artisan Contractors
  • Auto Service Operations
  • Habitational Risks
  • General Contractors
  • Hotels/Motels
  • Dry Cleaners
  • Landscapers/Lawn Care

Coverage Options


Up to $1M

Physical Damage

— Comprehensive
ACV with deductible up to $5K
— Collision Comprehensive
ACV with deductible up to $5K
— Towing (Private Passenger Autos)
$50 per disablement

Statutory Endorsements

— No- Fault Coverage (State Specific)
Statutory Limit (Mandatory)
— Uninsured Motorists
Up to Liability Limit
— Underinsured Motorists
Up to Liability Limit

Other ISO Coverage

Available via endorsement – elections

— Hired Auto Liability
— Non-owned Auto Liability
— Drive Other Car Coverage
— Rental Reimbursement
— Lessor as Addnl Insured and Loss Payee
Negotiable coverage terms and/or a change in limits can be elected and may impact the policy’s final estimate premium.

Underwriting Guidelines

Although final qualifying criteria for any applicant depends upon the nature of the risk, we offer the following general guidelines.

General Eligibility

  • Supporting Businessowner’s or Workers’ Comp Policy preferred
  • All classes eligible for Businessowner’s Policy considered

General Underwriting Guidelines

  • Physical Damage coverage for commercial vehicles up to $250,000 and private passenger-type vehicles up to $100,000. (Larger amounts require special approval.)
  • Local/intermediate travel only (maximum radius 200 miles).
  • Maximum gross vehicle weight (GVW): typically less than 45,000 lbs.
  • No “Physical Damage Only” policies

Unacceptable Risks

  • Bobtail Liability/truckers (common and contract)
  • Vehicles transporting commodities defined as hazardous by the Federal Motor Carrier Act
  • Food delivery (unless written with our Businessowner’s Policy)
  • Medium to long-haul transport of perishables
  • Courier and messenger services
  • Buses, limos, taxis, and other passenger transportation operations
  • Driver training/schools
  • Armored vehicles
  • Antique or classic motor vehicles
  • Carnival and circus vehicles
  • Church organizations
  • Logging vehicles; tree service (vehicles with booms)
  • Garbage/trash removal; sand/gravel haulers; scrap metal dealers and recyclers
  • Auto dealers (including wrecked, salvaged, and rebuilt cars; repossessed)
  • Emergency service vehicles
  • Leasing or rental operations
  • Motorcycles
  • Motor homes
  • Snow plows and snow removal
  • Tow trucks (unless written with our Businessowners’ Policy)
  • Risks requiring ICC or USDOT filings

Unacceptable Drivers

Drivers are unacceptable who…

  • Lack the right license for the vehicle driven
  • Have three or more accidents (regardless of fault) during the past three years
  • Have had narcotics, drug, or felony convictions involving a vehicle, regardless of citation date
  • Have less than three years experience
  • Have over 9 Driving Record “points” during the past 12 months or over 11 during the past 36 months
  • Have unacceptable Motor Vehicle Records (MVRs) – contact UW for specific MVR guidelines

Get access to world-class Commercial Specialty markets and products today.