Carriers

Your Insurance Certificate must:

  • List all subsidiaries or DBA's covered by the certificate provided.
  • Provide at least 30 days prior notice of cancellation or material modification of any policy.
  • Must include a modified cancellation clause. The wording "Endeavor to" and "but failure to mail such notice shall impose no obligation or liability of any kind upon the company" must be deleted from the certificate.
  • Show complete insurance carrier names as listed in the A.M. Best Property & Casualty Guide.

The Certificate of Insurance must be completed in its entirety and signed. Binders are not acceptable.

Commercial General Liability

(occurrence form) coverage not less than $1,000,000.

Each Occurrence Coverage must be placed with a carrier rated not less than B, V by A. M. Best.

Commercial Automobile Liability

$1,000,000 Combined Single Limits.

Coverage must be placed with a carrier rated not less than B, V by A. M. Best. Must indicate coverage for Any Auto, or All Owned, Hired and Non-Owned Autos.

Cargo Liability

$100,000 Per Trailer Or Conveyance.

Coverage must be placed with a carrier rated not less than B, V by A. M. Best.

Workers' Compensation

State Statutory Limits.

Employers' Liability Coverage
$100,000 Each Accident
$100,000 Disease - Policy Limit
$100,000 Disease - Each Employee

Coverage must be placed with a carrier rated not less than B, V by A. M. Best.