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| COMMERCIAL AUTO PHYSICAL
DAMAGE |
| The Sutter Insurance Company
stand-alone physical damage program is designed for commercial auto risks
domiciled in California. The program encompasses a wide selection of vehicles
ranging from a light pick-up truck to a tractor-trailer. Public livery and
private passenger vehicles may be included as part of a fleet. The driver
guidelines allow for inclusion of almost every type of driving record from age
21 and older. Various radius of use endorsements are available up to 11 western
states. |
| The Business Auto program is a
liability and physical damage program for light (0-10,000 GVW) and medium
(10,001-20,000 GVW) vehicles. Risks must be domiciled in California and operate
within a 300 mile radius. The preferred class of business is service type
vehicles but the program will extend retail and commercial vehicles as well.
Hauling for hire is a prohibited class. The driver guidelines are designed to
accept most drivers regardless of MVR activity. |
| WESTERN REGIONAL TRUCK PROGRAM |
| The Preferred Large Truck program is designed for various
size accounts ranging from a single truck up to a fleet of over 100 power
units. While primarily aimed at the long haul interstate truckers operating in
the 11 western states, rates are provided for both statewide and 100 miles
radius accounts. Pricing and selection methodology allows for competitive
pricing for drivers with good driving records and years of operation
experience. Coverages include Liability, Uninsured Motorist, Medical Payment
and Physical Damage. All mandatory regulatory filings are available at no extra
charge. New ventures, poor driving records and inexperienced operators are
prohibited. |
| Homeowner coverage is available to
meet the needs of applicants who don't qualify for the preferred or standard
market and who may have been declined, cancelled, or non-renewed. We offer the
safety of an admitted program that offers most of the bells and whistles of the
standard market and considers applicants with updated older homes (including
pre-1945), a history of losses (including multiple losses), unconventional
mortgages, wood shake roofs, trampolines, and swimming pools with slides or
diving boards. Coverage is provided on a replacement cost basis and can be
placed for homes with values from $75,000 to over $1 million. |
| We offer the safety of an admitted program that
allows for applicants who don't qualify for an HO-3 due to partial upgrades,
protection class, or architectural style. Coverage is provided on an actual
cash value basis and can be placed for home values from $50,000 to over
$300,000. |
| Dwelling coverage is offered to meet
the needs of homeowners and/or landlords who own dwellings that contain adverse
risk conditions that would not normally meet the underwriting guidelines of the
preferred or standard carriers (i.e. older homes without upgrades, rentals,
seasonal/secondary homes). Coverage is provided on an actual cash value basis
and can be placed for dwelling values from $35,000 to over $300,000. |
| COMPREHENSIVE PERSONAL
LIABILITY |
| The Comprehensive Personal Liability program
offers stand-alone liability coverage for owner occupied dwellings. |
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