Trailers
What are the only premium coverages available for Commercial Trailers?
Comprehensive and Collision
What are the requirements for an ENOL, in terms of documentation and reports?
Application, quote, supplement form, loss history reports for three years business on any business vehicles and prior ENOLs.
Does CARE apply to church buses?
No
What is the risk category for food trucks/trailers?
Normal CARE details apply.
What are the main two endorsements we will use on route sheets during the observation?
6123 endorsement and the 6052 endorsement.
What is the risk category for Private Passenger Trailers?
402U
How often can ENOL policies be written or renewed?
Semi-Annual Policy
How does State Farm define a church bus?
a bus-type motor vehicle or private passenger type automobile used exclusively as a church bus.
What type of endorsement is needed for driver training vehicles?
Special equipment endorsement (dual brakes)
What is the purpose of a route sheet?
Route sheets are used to communicate instructions and make changes to policies (particularly when adding or removing endorsements).
Which endorsement is required for commercial trailers with special equipment pulled by a Private Passenger vehicle?
The 6123 endorsement
What are the only coverages should be selected on an ENOL application?
BIPD (liability)
Can a church bus be issued in Standard?
No, a church bus can only be issued in Mutual.
What is the requirement for a vehicle to be eligible as a driver training vehicle?
Photo + the vehicle must be equipped with dual control brakes.
What is one common mistake to avoid when completing a route sheet?
Not including the effective date.
When a commercial trailer is pulled by a commercial vehicle, what endorsement is required to add the number of trailers?
Bonus: How do you add the endorsement?
6052 endorsement.
Bonus: Route Sheet
How can comprehensive and collision coverage be requested on an ENOL application?
Comprehensive and collision coverage can only be requested by endorsing the coverage with a 6166 endorsement.
What is the risk category for insuring a church bus?
The risk category for insuring a church bus is 409
What are the common use codes for driver training vehicles?
Private Driver Training - Exclusive (8H)
Private Driver Training - Other Use (8J)
Other Driver Training - Exclusive (8K)
Other Driver Training - Other Use (8M)
School Driver Training Program - Exclusive (8N), School Driver Training Program - Other (8O).
What information should be included in the exceptions and endorsements section of a route sheet?
The specific endorsements or changes being requested, including the endorsement codes and any relevant details.
What is the risk category for Commercial Trailers?
CARE
What should match between the ENOL application and quote?
The ENOL application and quote should match in terms of applicant name, number of drivers, coverages, effective date, and premium term.
*Everything
What are the 4 components to fill out on the SPI?
Class code, Territory code, RMC and Risk Category
What are the requirements for insuring a food truck or trailer?
Itemized breakdown of the cost of special equipment, exterior photos of all four sides of the trailer, and interior photos of all cooking areas.
Provide an example of when the 6123 endorsement would be used on a route sheet.
The 6123 endorsement would be used on a route sheet when there is a need to exclude special equipment, such as a kitchen package or specific equipment, on commercial trailers pulled by a Private Passenger vehicle.