Courier Services

Do you have a client with a courier service that needs Hired & Non-Owned auto coverage? We have the program to place it in!

We can offer standalone Owned, Hired & Non-Owned auto coverage on various courier service—everything from auto parts stores to companies that offer multiple restaurant delivery services.

Couriers must have a standard route, delivery receipts or driver cost in order to be eligible for the program.

Target Risks

  • Courier Services (Packages, Auto Parts, Misc.)
  • Multiple Restaurant Delivery
  • Bank Couriers
  • Newspaper Drop Box/Magazine Stand Delivery

Prohibited Risks

  • Delivery of any type with a guaranteed timed delivery
  • Risks using trucks (other than pickup trucks) for delivery
  • On-demand-type courier services

Limits Available

  • $100,000 to $5,000,000

Carrier

  • A.M. Best “A:IX” Rated

Availability

  • All states except: CT, IA, OK

Types of Policies Offered

    Standalone Coverage Excess of a Self-Insured Retention (SIR)
  • SIR is erodible by the Driver’s collectible auto insurance.
  • SIRs between $0 and $100,000.
    • Standalone Coverage Excess of a Primary Policy
  • Insured purchases a Primary Owned, Hired & Non-Owned auto policy with limits as low as the state financial responsibility limits (available through the state's assigned risk plan). Our policy would be excess of those limits.

Requirements to Quote

  • Completed Sunderland Application for Excess Commercial Auto Liability (CA AS 0116 0607).
  • Current MVRs on ALL drivers.
  • Five years currently valued Owned, Hired & Non-Owned auto loss runs. If no prior insurance, a no-known loss letter on the Insured’s letterhead stating no prior coverage, and no losses.
  • Copy of Independent Contractors contract if drivers are not employees.

Requirements to Bind

  • Signed and dated Application for Excess Commercial Auto Liability (CA AS 0116 0607).
  • Copy of underlying Declarations page or binder from the underlying carrier (Must show: named insured, effective/expiration date, limits, and type of coverage).
  • Tax/Fee Acknowledgement (if risk is outside of California); D-1 if risk is in California.
  • Signed and dated Additional Self-Insured Retention Provisions (CA AS 0097) if policy is excess of a SIR.

Filing Requirement

  • Sunderland will handle the filings if the risk is located in California. If the risk is outside of California, it is the responsibility of the Producer to collect and file the surplus lines taxes and fees.
For additional information contact:

Holly Belknap at 925.942.4020 x102 or Holly@Sunderlandins.com
Laura Pedersen at 925.942.4020 x101 or Laura@Sunderlandins.com

Terms and coverages subject to change without notice.