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Underwriting Guidelines

Commercial Auto Underwriting Guidelines

Everything you need to get up to speed and submit your clients for coverage

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Commercial auto is currently available in the following states: Arizona, Illinois, Indiana, Maryland, Tennessee, Texas, Pennsylvania, and Wisconsin.

Coverages/limits available:

  • Symbols 7, 8, and 9
  • Symbol 1 available on a case-by-case basis
  • Primary Liability from $100k CSL to $1M CSL
  • UM/UIM/UMPD
  • Med pay with options at $1,000/$2,000/$5,000
  • Comp/Collision with deductible options at
  • $500/$1,000/$5,000
  • Additional coverages include: roadside, rental reimbursement, Pie signature broadened coverage, OEM parts, Customized equipment, blanket AI (with primary non-contributory), and blanket WOS
  • Paid-in-full discounts available

Typical business classes and vehicles

  • Artisan contractors (e.g. plumbers), land services (e.g. landscapers), services (e.g. realtors, attorneys, consultants)
  • Pickups, cargo vans, SUVs, box trucks, flatbed trucks, dump trucks (landscapers and contractors only)

Driver scoring

  • Individual driving filings (e.g. SR22) not available
  • No major violations within the prior 36 months
  • Policy level modification will be applied based on driver activity
  • Policy level modification available if customer provides vehicle telematics data access
  • Valid U.S. driver’s license required

Submission requirements

Needed for indication (non-bindable)

  • Vehicle information (VIN preferred, year/make/model acceptable)
  • Coverage and limit selections
  • Garaging zip code
  • Class of business (description of operations)
  • Driver information (name, age)

Needed for final quote (bindable), all of the above plus:

  • Driver details – date of birth and driver’s license number
  • Vehicle details – VIN
  • Prior claims
  • Loss run details (10+ vehicles only)
  • Current coverage information (lapse, new venture, <> 1 year of coverage)
  • EIN (if available)

Unacceptable vehicle types

  • GVW > 26k
  • > 15 passenger capacity or paratransit vehicles
  • Emergency use (lights/sirens)
  • Military-type vehicles and vehicles not licensed for on-road
  • Kit cars or gray market vehicles
  • Cargo requiring placard
  • Recreational vehicles or golf carts
  • Vehicles with permanent specialized equipment with value > 25% of vehicle (e.g. lifts/cranes)

Unacceptable business classes

  •  New venture operations
  • Passenger transportation (for-hire or not)
  • For-hire transportation
  • Dirt, sand, and gravel, logging, waste and other high hazard for-hire use classes
  • Towing or roadside assistance operations
  • Residential in-home delivery (including food delivery)
  • Couriers and other package delivery (e.g. Amazon/FedEx contractors)
  • Driving schools
  • Government agencies requiring BMC-91, MCS-90, Form E, Cargo, or any other similar filing


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“Ford Pro Insure” is a brand of commercial auto policies issued by The American Road Insurance Company (“TARIC”) (NAIC 19631), an admitted insurance carrier and subsidiary of Ford Motor Company and Ford Credit. Ford Pro Insure policies are sold and administered by Pie Insurance Services, Inc. (“Pie Insurance”), a licensed insurance producer and non-affiliate of TARIC. (Licenses available at pieinsurance.com/legal/). Information provided is subject to Pie’s and TARIC’s privacy policies (pieinsurance.com/privacy and fordpro.com/privacy). Not available in all states and situations. Coverage subject to policy terms and conditions.