Types of
Business
Automobile
Liability, Automobile Physical Damage, Truck Liability, Truck Physical
Damage, Cargo.
Fleets
Will accept 1 to 4 units as a non-fleet risk. Risks with 5 or more units
will be treated as fleets
Three
year loss history required
Applications
McNabb
application preferred, Acord application acceptable. Current MVR's
must be submitted.
Minimum
Premium.
$500.00
Capacity
15/30/10 to 1 million
(Higher limits available)
Medical Payments - $1,000, $2,000 or $5,000
Uninsured Motorist Bodily Injury- 15/30, 25/50, 30/60
Uninsured Motorist Property Damage - $3-500
Specified Perils only
Collision
on-hook up to $100,000 Csl.
Rating
based on stated value not cost new.
Ineligible
Classes
Vehicles operated outside a 500-mile radius or California
Emergency vehicles
Livery vehicles - public or private
Vehicles used to haul hazardous/explosive materials
Vehicles operating under time constraints - (i.e. pizza delivery,
courier services)
Security guard vehicles if the drivers and/or passengers carry firearms
Vehicles that carry guard dogs
Vehicles leased or rented to others by insured
Driver must be 24-67 years of age
Mobile equipment
Vehicles used as a living facility
Risk that requires ICC or MCS90 filings
Trailer only policies for liability
Units with booms or cranes
Steel hauler or garbage trucks
Pulling triple trailers
Discounts
5% paid in full
10% claim free renewal
OCCUPATION
GUIDE -
not all inclusive or complete
This list is designed to provide you with some examples of the type of
risk or vehicles and the Use Class categories that will be used. McNabb
reserves the right to make the final determination of the Use Class for
each risk.
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Haulers
Asphalt Haulers
Auto Dismantler - Scrapper
Auto Haulers
Building Materials Haulers
Building Wreckers
Caterers
Common Carriers
Container Haulers (Marine or Rail)
Concrete & Building haulers
Contract Hauling
Contractors - Paving
Debris Removal
Delivery Service - Multiple Shoppers
Gravel Haulers
Heavy Equipment Haulers
Household Goods Movers
Tow Trucks
Livestock Haulers
Mail Delivery _ Rural or Suburban
Metal Dealers
Mining Operations
Newspaper Delivery
Quarry Operators
Rock haulers
Sand Haulers
Scrap Metal Haulers
Truckmen
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Appliance
Delivery - Wholesale
Apron, Linen Supply - Wholesale
Auto Parts Pickup
Baggage Transfer
Bakery - Wholesale
Bottled Water Delivery
Building Materials Delivery
Canneries Packing Plants
Caterers _ Delivery
Cleaners
Excavating
Exterminators - Business* Residential
Farm to Market - For Hire (Exempt Commodities Only)
Farmers - Hauls Goods
Fertilizer Delivery
Firewood Delivery - Wholesale
Fish and Seafood Delivery
Florist
Frozen Food Distributor
Frozen Food Delivery
Fruit Dealer
Furniture Delivery _ Wholesale
Grocers - Wholesale
Junk Dealers
Mail Delivery Bulk (Post Office to Post Office Only)
Meat Dealer
Mobile Home Escort
Moving Van/Truck
Pest Control - Business & Residential
Printing Delivery
Produce Hauler
Salesman (No Personal Use & Vehicle is NOT garaged
at Residence)
Security Guards
Septic Tank Cleaning
Tool Dealers
Vending Machine Delivery
Waste Paper Dealer
Water Haulers
Wholesale Delivery - All |
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Appliance
Delivers - Residential
Applicant Repair
Bakery - Retail/Residential
Blacksmiths
Carpet Cleaners
Contractors, General Trade
Department Store - Delivery
Diaper Service
Farmers - Occasionally Leaves Farm
Firewood Delivery - Retail/Residential
Furniture Delivery - Retail/Residential
Furniture Repaid
Grocer - Retail/Residential
Handyman/Repairman
Heating and A/C Service
Janitorial Service
Landscapers
Laundry Delivery - Residential Only
Linen Supply - Residential
Milk Delivery - Retail/Residential
Mobile Auto Mechanic/Detailing
Photographers
Retail & Residential Delivery - All
Roofer
Surveyors/Inspectors
Swimming Pool Cleaners
Tree Surgeons/Trimmers
TV/Radio/VCR Repair
Welders |
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