Commercial Auto Coverage Insurance Program
Our Commercial Auto Coverage Insurance program offers enhanced protection
for light and medium vehicles.
Eligibility
These endorsements broaden coverage for a select number of classes including:
—— Non-Trucking Risks (Local/Intermediate) —— Wholesalers
—— Light and Medium Vehicles
—— Service Vehicles
—— Contractor Fleets
Coverage Enhancements
Basic expanded coverages: All eligible risks written on Business Auto Coverage
policies may purchase our expanded coverage endorsement. Changes In Commercial
Auto Coverage Form — CA 79 10 endorsement (CA 80 19 in Louisiana) ($250 per
policy) provides 22 added or expanded coverages including:
Examples of Classes Written
—— Personal Effects
—— Hired Car Physical Damage
—— Electronic Equipment
—— Waiver of Subrogation
—— Pollution
—— Fellow Employee Coverage
Changes in Commercial Auto Coverage Form - CA 79 10 (CA 80 19 in Louisiana)
Standard ISO Forms
CA 00 01 (BAP)
CA 00 20 (Motor Carrier)
Changes in Commercial
Auto Form - CA 79 10
(CA 80 19 in Louisiana)
$250 / Policy
Enhancements
Description
Airbags
Covers cost to replace an airbag that
accidentally discharges
Not Included
 Included
Blanket Waiver of
Subrogation
Blanket waiver of subrogation for those
that require this of the insured in a written
contract signed before any accident occurs
Not Included
 Included
Custom Signs &
Decorations
Covers cost to repair or replace custom
windows, custom painting, other decals or
graphics
Not Included
$5,000 combined limit for
custom signs & decorations
Duties in the Event
of a Loss
An insurance manager or other authorized
representative has the authority to notify us
of an accident, claim, suit or loss
Not Included
 Included
Electronic
Equipment
Covers loss to permanently installed
electronic equipment
$1,000 for audio, visual &
data electronic equipment
only
$1,500 combined limit for
electronic equipment
Mental Anguish
Extends definition of bodily injury to include
mental anguish from other bodily injury,
sickness or disease
Not Included
 Included
Personal Effects
Provides coverage to tangible property worn Not Included
or carried by the insured & in the covered
auto at the time of auto theft
Supplemental
Payments –
Increased Limits
Covers bail bonds & reasonable expenses
for actual loss of earnings
Transportation
Expenses
Temporary transportation expenses incurred $20/day up to a maximum of $50/day up to a maximum of
by named insured because of the total
$600
$3,000
theft of a covered private passenger type
automobile
Unintentional
Failure to Disclose
Information
Unintentional failure to disclose information
will not prejudice the Insured’s rights of
recovery under the policy form
Not Included
 Included
Single Deductible
Per occurrence for auto & trailer; also no
glass deductible for repaired glass
Not Included
 Included
$600
Bail bonds - $2,000 Loss of Bail bonds - $5,000 Loss of
earnings - $250/day
earnings - $500/day
Changes in Commercial Auto Coverage Form - CA 79 10 (CA 80 19 in Louisiana)
Standard ISO Forms
CA 00 01 (BAP)
CA 00 20 (Motor Carrier)
Changes in Commercial
Auto Form - CA 79 10
(CA 80 19 in Louisiana)
$250 / Policy
Enhancements
Description
Blanket Additional
Insureds
Extends coverage to any organization that
requires additional insured status
Not Included
 Included
Employee as
Insured – Hired
Autos
Provides coverage for employees operating
hired autos under a contract in that
employee’s name
Not Included
 Included
Employee as
Insured – Nonowned Autos
Any employee is an insured while using a
Not Included
covered auto not owned, hired or borrowed
for business or personal affairs
 Included
Fellow Employee
Removes exclusion for bodily injury from use Not Included
Exclusion Removed of covered autos you own or hire
 Included
Newly Acquired
Organizations
Coverage extended to certain newly
acquired organizations
Not Included
Hired Auto Physical Extends collision & comprehensive coverage Not Included
Damage
to hired autos
Coverage for 120 days
$50,000
Hired Auto Physical Covers insured’s liability to lessor for an auto $20/day up to a maximum of $75/day up to a maximum of
Damage – Loss of
rented or hired without a driver or lessor’s
$600
$1,000
Use
loss of use as a result of an accident
Rental
Reimbursement
& Lost Income/
Downtime
Pays for up to 30 days of rental
Not Included
reimbursement expenses & any of the
insured’s lost income resulting from loss to a
covered auto
Towing/ Mechanical Coverage for towing the covered auto, any $50 for towing any private
Breakdown/
labor performed at the place of disablement, passenger vehicle; storage &
Storage Charges
& any storage costs incurred
labor performed at place of
disablement are not covered
Downtime & rental
reimbursement are subject to
a combined maximum limit of
$50/day up to $1,500
$750 for towing, storage
& labor performed at place
of disablement; coverage
applies to all covered autos
Pollution Liability
Provides sub-limit of coverage for pollution
liability
Not Included
$100,000
Loan/Lease Payoff
Coverage to pay off loan or lease if “upside
down” from ACV
Not Included
 Included (Not available in
Louisiana)
Send new business submissions to: [email protected]
Send renewal applications, endorsement requests, and requests for loss runs to: [email protected]
Our target states are: AL, AZ, AR, CO, GA, KS, LA, MO, MS, NC, NM, NV, OK, SC, TN, TX and UT
800.239.6871
Dallas, Texas
877.442.1915
Denver, Colorado
800.336.3034
Atlanta, Georgia
800.235.3891
Shreveport, Louisiana
888.713.9050
Houston, Texas
Visit us at deep-south.com or follow us on Twitter:
@deepsouth67
Our “Ask an Expert” Loss Control Service is available 24/7 to provide our insureds with loss control
and workplace safety assistance any time they need it!
This quick reference guide is designed to provide you with an outline of the Deep South Heavy Truck Insurance
Program. It does not include all the features, exclusions and limitations of the policy. For more information, please
contact your underwriter or marketing representative.
(01-25-13)
E-mail or call us at [email protected] or 855.258.8178.