Ideal Accounts and Appetite
This program is ideal for a wide range of commercial auto exposures, including:
- Truckers for hire, with a radius of up to 500 miles (state-dependent)
- Garbage haulers and waste disposal services (excluding landfill operations)
- Dirt, sand, and gravel haulers
- Dump trucks and mix-in-transit vehicles
- Public livery such as taxis and limousines
- Buses for schools, churches, and nonprofits
- Social service fleets, including non-emergency medical transport
- Delivery operations—wholesale and retail
- Contractor fleets and tow trucks
- Auto dealers and more
Please note: Risks involving ownership or operation of a landfill are not eligible.
Coverage Highlights and Advantages
Our Commercial Auto Insurance program offers a comprehensive range of coverages, including:
- Auto Liability, Physical Damage, Cargo, and Excess Auto—many available in all 50 states
- Primary Liability limits up to $1 million (up to $1.2 million for hazardous materials haulers in California)
- Excess Auto Liability up to $4 million excess of $1 million
- Buffer layer Auto Liability limits to help meet combined limit requirements
- State and regulatory filings provided
For insureds purchasing Physical Damage coverage, our Special Coverages Endorsement includes:
- Down-time Loss Expense up to $3,600
- Electronic Equipment coverage up to $5,000
- Personal Effects coverage up to $2,500
- Loan or Lease Gap coverage if the stated value equals or exceeds the financial obligation
- Towing expenses in addition to the stated limit
- Windshield repairs without a deductible
- Diminishing Deductible—reduced each loss-free year and eliminated after five years
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the specific class of business, coverage selections, and underwriting details. The program is underwritten on a non-admitted basis in most markets, allowing for flexibility in structuring policies to meet unique risk profiles.
Territories and Availability
This program is currently available in CT, ME, MA, NH, RI, and VT. Our extensive carrier relationships also allow us to support accounts in other states where eligible, depending on risk characteristics and regulatory requirements.
Why Work With Joseph Distel & Co. Inc.
As a Managing General Agency and E&S Lines Broker, Joseph Distel & Co. Inc. brings decades of experience and market access to transportation-related risks. Our deep understanding of commercial auto exposures—especially in niche hauling classes—makes us a valuable partner for agents placing complex or specialized accounts. We work with a variety of carriers to help you find the right fit for your client’s needs and provide responsive underwriting and service support.
You might have a client operating a fleet of dump trucks for a local construction company or a regional hauler transporting gravel and sand. Our program is designed to cover these types of operations—giving you the tools to secure competitive, comprehensive coverage.
Call The Distel Group today for all of your Commercial Auto Insurance needs!
Frequently Asked Questions
What types of accounts are a good fit for this program?
We specialize in trucking operations such as dump trucks, dirt/sand/gravel haulers, garbage haulers (non-landfill), and contractor fleets. Public livery, buses, tow trucks, and delivery fleets are also eligible.
Are there any excluded risks?
Yes, risks that own or operate a landfill are not eligible for this program. Other exclusions may apply based on underwriting review.
Is the coverage available on an admitted or non-admitted basis?
Most markets are non-admitted, offering flexibility in structuring policies for unique or hard-to-place risks.
In which states is this program currently available?
This program is available in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.
What types of endorsements are included with Physical Damage coverage?
Special endorsements include down-time expense, electronic equipment, personal effects, towing, windshield repair with no deductible, and a diminishing deductible feature.
Need help placing an account? Connect with a market specialist.