The following are the classes of operations that are currently included in the program:
- Petroleum products including:
- Gasoline
- Diesel
- Kerosene and Propane
- Oils and lubricants
- Chemicals and chemical waste by-products
- Compressed gases
- No accounts that have c-stores, or do any home delivery of heating oil, home delivery of propane or any services associated with this class.
- Low level nuclear is acceptable:
- Furniture, clothing, machinery and parts that have a charge, but no fuel rods or other high octane items. These are usually covered by a nuclear policy.
- Non-hazardous dry bulk such as cement, fly ash, lime, plastic powder and plastic pellets.
- Food grade commodities such as milk, ice cream, vegetable oils, sugars and syrups.
- Tank trailer is mode of transporting the commodities hauled.
Coverages Include:
- Auto Liability & Auto Physical Damage
- General Liability
- Umbrella (if large enough)
- We will consider the property and the MTC if premium is in excess of $25K and no workers’compensation.
- The minimum for transportation is $100K in auto liability only and a fleet minimum of 20-25 tractor units.
- If tank wash facilities and tank farm locations and terminal locations are involved, we can provide pollution coverages in addition to the P&C.
The underwriting information needed is as follows:
- Complete ACORD applications, including all coverage needs and schedule, including all coverages and options.
- Supplemental Environmental Transporters application signed and dated.
- 5 years hard copy currently validated company loss runs within 90 days of x-date. Also, detail on all losses over $50K.
- 3 years audited financial statements.
- Complete drivers list including date of birth & date of hire.
- Copies of current MVRs.
- Resume of key personnel (Safety Director or key safety professionals).
- Copy of vehicle maintenance program.
- Copy of driver training and safety program.
- Driver hiring criteria (written) including what is acceptable from acc/violations, minimum age requirement, and minimum prior experience (tank vs other). Also, include any disciplinary action for monitoring current driving force.
- Does carrier address fatigue management?
- Copy of security plan addressing drivers, vehicles, terminal locations, loading racks and delivery points.
- Copy of accident/spill plan.
- Written procedures for loading and unloading cargo including checks for unloading into the proper container to prevent overfills and mis-deliveries.