Commercial Auto coverage provides public liability protection and client asset protection. Public liability protection is provided at a $1,000,000 limit if a client causes property damage or bodily injury to a claimant resulting in legal liability from the operation of any insured truck, pickup, tractor truck or trailer. Asset protection is provided by using the Comprehensive and Collision coverage parts of the business auto policy.

As an additional coverage, all clients have liability protection if they rent, lease or borrow any vehicle or trailer. Protection is also provided the client if an employee uses his own vehicle on behalf of the client and the employee is involved in an incident causing either bodily injury or property damage.

As the particular business situation demands, the program is equipped to add lien holder protection and additional named insured protection. Filings, both intrastate and interstate, are easily provided if needed. Certificates of insurance for proof of insurance are available by fax or e-mail request.

Commercial Liability coverage provides public liability protection for all aspects of the business operation other than those parts specifically addressed by the Commercial Auto coverage.

As an additional coverage, all clients have liability protection for fire in the field, which under the standard ISO Commercial General Liability is excluded under the care, custody and control exclusion. This special endorsement is an important additional coverage to standard liability coverages required by custom harvesting operations.

Inland Marine coverage provides asset protection for business property other than trucks and trailers. Included in the protection provided in this section is coverage for combines, tractors, grain carts, goats, muletrains and other mobile agricultural equipment. Additionally, coverage is offered for radios, tools and parts on a blanket basis.

Cargo coverage provides protection for the grain belonging to the client’s customer while the client is transporting that grain in his truck or trailer. Again the care, custody and control exclusion of all auto and liability policies makes the coverage important.