| HEAVY TRUCK LIABILITY 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
| COMMERCIAL AUTO PHYSICAL
|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.
|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
|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
|The Comprehensive Personal Liability program
offers stand-alone liability coverage for owner occupied dwellings.