Here is a small list of business use and types of companies that are preferred. If you are not on this list please don’t be discouraged until we speak with you.
Construction – Special Trade Contractors
Tradesman who earns income by performing repair, improvement,
installation or maintenance services at residential and commercial
locations including new construction sites.
Construction – Builders & General Trade Contractors
Contractors or builders managing projects related to housing or
non-housing construction. They are responsible for the entire
project (new work, alterations, remodeling and repair) and hire
special trade contractors for their projects.
Courier, Mail & Newspaper Delivery
Business that earns income by completing the delivery of letters, documents
or packages for a fee. Examples include but are not limited to:
• Medical samples • Legal documents
• Federal Express • Greyhound Package Express
Dirt, Sand & Gravel
Business earns income by transporting dirt, sand, gravel or asphalt
on a for hire basis. Please verify if any state or federal filings are
Farming & Livestock
Businesses earn income by raising livestock or agricultural production.
• Farming • Ranching
• Fisheries • Nurseries/Floriculture production
Food Services, Restaurants & Pizza Delivery
Business earns income by providing and selling prepared food. Vehicles
used to support business by delivering prepared food, picking
up supplies, running errands, etc.
Landscaping, Snowplowing & Firewood
Business earns income by providing Landscaping or Snowplowing services
to residential and commercial properties. Can also earn income by
delivering or selling firewood. Examples include but are not limited to:
• Lawn care installation or maintenance
• Snow removal (residential/commercial)
• Tree trimmers • Delivery of firewood
Logging, Log Transport & Sawmills
Business earns income working in the logging industry or operating
a sawmill. Please verify if any state or federal filings are required.
Establishments engaged in the mass production of products. Manufacturing
does not include logging and sawmills, which is a separate
Applicant uses vehicle for personal use only, no income is earned.
Examples include but are not limited to:
• Personal auto titled in the business name
• Vehicle not acceptable on a personal policy
• Vehicle used to haul: travel trailer, boat, historical vehicles, race
v e h i c l e
• Stake truck hauling firewood for personal use
• Dump truck for clearing own land.
Passenger Transportation (Not for Hire)
Business earns income through a service to their customers. Passengers
are transported as a courtesy and are incidental to the way the
business earns a profit. Transportation of passengers is not done on
a for hire basis.
Retail Trade Operations
Sale of goods in small quantities to public.
Business earns income by providing a service or selling goods. Ve h i c l e s
used to support business by delivering goods, picking up supplies,
running errands, etc. Unacceptable risks include vehicles used to
t transport groups of individuals to neighborhoods for door- t o- d o o r
Towing Services, Gas Stations & Auto Repair
Establishments primarily engaged in providing towing services and
Trucking & Transportation of Goods
Business earns income by manufacturing or transporting raw materials,
goods or equipment. Risks hauling hazardous materials or explosive
materials are unacceptable. Coal haulers are unacceptable.
Establishments primarily engaged in mass distribution of durable and/or non-durable goods to retailers.