EXTRA HEAVY TRUCKS TRACTORS OVER 45,000 Lbs. GCW

Guide - Eligibility and Requirements: This program is intended for Truck-Tractors over 45,000 lbs. GCW. It does not matter if the Tractor is single rear axle or dual rear axle. If the GCW is over 45,000 lbs, it is classified under this category.

Trailers - all types of trailer with a load capacity over 2,000 lbs.

Semi-Trailer - Trailer with a load capacity over 2,000 lbs with wheels at rear only, equipped with a fifth wheel coupling device and hauled behind tractors.

Dry Freight Trailer

Low Boy Trailer

Binding

A picture of the vehicle(s) is required to obtain a Binder.

Application

Use commercial auto application. Extra-Heavy Truck - Tractor
For binding signed Application by the Insured and the Agent is Mandatory.
The Extra Heavy Truck Tractor application is now in an online quote-style format. If you click on Commercial Auto-Extra Heavy Truck-Tractor via the e-apps or PDF of the applications tab, the user will be directed to the familiar ‘create a new quote’ window.

The process is very similar to the existing commercial auto online rater, HOWEVER, agents will only be able to submit to company for underwriting review.

The ‘application’ can be saved for future changes. Also, the users can upload pictures and loss runs along with their submission. As in the existing e-Apps system, the users will get a copy in PDF format of the application they submitted to us via email.

Limits

Maximum Liability Limits $1,000,000 CSL BI & PD.

Policy Forms and Rates

Insurance Service Office and GIC Rules, Rates, Forms apply in all cases.

Territory

State of Florida ONLY

Underwriting Criteria

Multiple Named Insureds - UNACCEPTABLE
No physical damage coverage for vehicles over 15 years old.
Physical damage will only be written in conjunction with liability coverage.
We will not accept any driver/operator whose drivers license has been suspended or revoked with the last three years or who has more than 10 points within the past three years.

Policy Term

Policy Term is Annual

Statute

627.7415. Commercial motor vehicle; additional liability insurance coverage

Commercial motor vehicles, operated upon the roads and highways of the State of Florida shall be insured with the following minimum levels of combined Bodily Liability Insurance and Property Damage Liability Insurance in addition to any other insurance requirements:

Three hundred thousand dollars per occurrence for a commercial motor vehicle with a gross vehicle weight of 44,000 pounds or more

Unacceptable Vehicles

Vehicles used to transport animals
Flammable liquid haulers
Dump trucks used for sand and gravel hauling
Mail carries or message services
Concrete trucks
Vehicles used to haul heavy machinery or equipment
Logging vehicles
Long haul truck men
Car carriers

Prohibited Classes:

Any Risk Hauling, Transporting, Storing, or Handling the following:

Sand and Gravel Haulers
Chemicals
Explosives
Flammable Materials
Oil
Gas
Hazardous Waste
Toxic Substance
Ammunitions or Fire Arms
House Movers
Mobile Home Transport
Risks that haul garbage, debris, or refuse to a dump
Waste and Recycle Material