Business Auto

Innovative solutions for business auto

Lines of business*
  • Automobile liability
  • Physical damage
Liability coverage/limits*
  • Up to $1MM CSL
  • Higher limits available at the underwriter’s discretion
  • Maximum vehicle age is 20 years (liability coverage)
  • Units older than 15 years will require a current mechanic’s statement and a current photo
Physical damage*
  • Minimum $500 deductible for comprehensive and collision coverages
  • Minimum stated value of $5,000
  • Stated values greater than $250,000 must be reinsured
  • Terminal exposures greater than $1MM in total value will be reinsured
  • Units older than 15 years are not eligible for physical damage coverage
Vehicles*
  • Private passenger transportation vehicles (PPTs), pickup trucks, vans, and trucks with gross vehicle weight less than 450,000 pounds
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)
  • New ventures may be acceptable with resume or letter indicating experience operating a similar vehicle type
Targeted business types*
  • Contracting/construction
  • Landscaping (incidental snowplowing only)
  • Manufacturing
  • Residential or commercial repair services
  • Retail sales/delivery
  • Professional services
  • Wholesale/distribution
Ineligible operations*
  • Pizza/Food Delivery
  • Fuel Oil Dealers
  • Freight Forwarders
  • Driving Schools
  • Septic Waste Removal
  • Garages/Dealers
  • Specialized or Timed Delivery
  • Armored Cars
  • Farm Vehicles
  • Snowplows
  • Catering Vehicles with Food Cooked/Sold from Vehicle
  • Vehicles qualifying under the regional trucking program or one of the public auto programs.
  • Tree Removal
  • Tow Trucks
  • Sanitation/Garbage Haulers – Residential or Commercial Pickup
  • Newspaper Delivery
  • Real Estate Agents
  • PPTs without any Business Purpose
  • Sand & Gravel
  • Excavation, Mining, or Quarrying
  • Security Guard Operations
  • Salvaged Vehicles (exceptions made at underwriter's discretion)
  • Junk, Metal, or Scrap Iron Dealer
  • Vehicles modified with special equipment, such as cranes, cherry pickers, and buckets


To obtain more information about business auto insurance with AGMI or to get more specific detail about the information outlined above, please fill out the form below.

*Eligibility of individual risks and availability of insurance services is ultimately determined by AGMI underwriting. You should consult the actual insurance policy or your broker for details regarding policy terms, conditions, coverage, exclusions, products, services, and programs which may be available to you. Your eligibility for particular products and services is subject to meeting underwriting qualifications and final acceptance by the insurance company providing such products or services.