NEWS ABOUT US CLAIMS CAREERS Commercial Lines Programs Commercial Lines TPCI - PACKAGE, PROPERTY, LIABILITY EXCESS LIABILITY COMMERCIAL AUTO TPCI - Package, Property, Liability Please refer to our Topa Premier Commercial Insurance (TPCI) page for more details. Admitted States: California Non-Admitted States: n/a Excess Liability Wholesale Brokerage: Excess Liability Following Form Excess Liability Admitted States: California, Arizona, Colorado, Nevada, Washington. No contractors in Colorado. Non-Admitted States: U.S. Virgin Islands Class Examples Contractors Property Owners Apartment Owners Lessors Risk Restaurants Course of Construction Hotels/Motels Distributors Homeowner Associations Appliance Delivery Office Parks/Buildings Consultants Retail Industrial Parks Landscape Maintenance Janitorial Capacity $10,000,000 Minimum Premium $1,500 Commercial Auto Commercial Automobile Intra-State Program Commercial Automobile Liability and/or Physical Damage in the state of California Target Classes: Intra-state business auto, motor carrier trucking, radius of 500 miles or less within California with newer vehicles and experienced drivers that are loss free in these classes: Artisans/Construction Workers Business Auto Container Haulers General Freight Haulers Household Goods Movers Produce Haulers Distribution: Appointed General Agents only (No retail agents) Applications: Topa applications preferred but ACORD applications are acceptable. Current MVRs, vehicle registrations and loss runs must be submitted. Coverages BIPD for scheduled autos only - $100,000, $300,000, $500,000, $600,000, $750,000 or $1,000,000 CSL Med Pay - $1,000, $2,000 or $5,000 UMBI - $100,000 per occurrence UMPD - $3,500 Physical Damage (*ACV) - Specified perils, Comprehensive & Collision coverages Cargo - up to $100,000 (some cargo commodity exclusions apply) On-Hook Towing - $25,000, $50,000 or $100,000 Towing & Storage - $5,000 or $10,000 Non-owned auto and hired auto upon approval only, no sub haul over 25% of gross revenue *ACV=Actual Cash Value Minimum Premium $500 for Cargo + $500 for all other coverages combined Ineligible Risks Vehicles operating outside a 500-mile radius from place of principal garaging address If the vehicle remains inside the state of California, yet exceeds the 500-mile radius, it is acceptable Vehicles garaged and/or registered outside the state of California Vehicles leased or rented to the insured for a term less than 12 months Vehicles used as a living or work facility (i.e. motor home, mobile home or mobile office) Any risk that does not meet the DRIVER/MVR standards (see DRIVERS section, 13 in our Commercial Auto Underwriting Guidelines) Vehicles used in mining, tunneling, construction of bridges and/or dams, and oil and gas drilling Vehicles that haul hazardous, flammable or explosive substances Vehicles that haul bulk liquids, pipes/beams, hay/alfalfa, or cotton within 72 hours of ginning Vehicles that require a pilot vehicle, pull triple trailers or have unbaffled/glass-lined tank trucks over 1400-gallon capacity Vehicles used as emergency, repossession, refuse, livery, bobtails, cement mixing, delivery/courier or security guard vehicles Kit cars, salvaged/grey market vehicles or off-road vehicles Vehicles that have attachments (e.g. cranes) or alterations Vehicles that are owned by the insured and rented or leased to others If the risk is required to comply with the Motor Carrier Act of 1980 (due to hazardous material hauling) Back to top ↑ Marketing Producers' Access Industry Links News Contact Us Privacy Policy Terms of Use 24025 Park Sorrento, Suite 300, Calabasas, CA 91302 © 2021 Topa Insurance Company. All rights reserved.