Embedded IC coverage
Auto Liability & Cargo
On-the-road protection for your contractors.
In-service auto liability for your independent contractors, offered through Parallax Insurance Services, placed through Arthur J. Gallagher and underwritten by Lloyd's of London. Subject to underwriting.
What your contractors get
A+ (Superior) carrier.
Lloyd's of London, rated A+ by AM Best.
$100K combined single limit.
Bodily injury and property damage, per accident.
Legal defense included.
Lawyer costs are paid on top of the $100K limit.
Covered under dispatch.
En route, loading, unloading and the drive back.
Protection from uninsured drivers.
Plus injury coverage, at state minimums.
Spill cleanup included.
Up to $25K per accident after a covered collision.
Maximize your auto limits
Add $200K of excess liability on top of the $100K primary for $300K per accident on any covered vehicle. The excess follows the primary's terms and takes over the defense once the primary limit is used.
Primary
$100K per accident for bodily injury and property damage.
Excess add-on
$200K more per occurrence, above the primary.
Total protection
$300K per accident on any covered vehicle.
Why you need it
Your contractors are protected.
Responds to liability from a covered delivery accident while under dispatch.
Claims are handled for you.
The carrier investigates, settles and defends covered claims.
Your business is protected.
Contractors carry their own liability, so an accident isn't yours alone.
How it works
- 1
Quote
Send contractor counts, vehicle weights, and settlement or mileage data. Most quotes return within a few business days.
- 2
Enroll
Sign the application, schedule each vehicle, and coverage starts on your effective date.
- 3
Report
Report your exposures and we handle the rest.
- 4
Claims
Submit the claim to GigSafe. The carrier investigates and defends covered claims.
Filing a claim: Have the date, location and any photos ready.
Underwriting criteria
Common questions
When is a contractor covered?
Only while under dispatch: en route to a delivery, loading or unloading, or heading back from the final stop. Personal driving isn't covered.
What vehicles are covered?
Scheduled vehicles under 26,000 lbs, plus a similar substitute vehicle for up to 30 consecutive days.
Can someone else drive?
Yes. An approved substitute driver who meets the program's qualifications can drive for up to five days when the contractor can't.
What isn't covered?
Damage to the contractor's own vehicle or cargo, trailers carrying cargo, assault, punitive damages, and accidents in Mexico.
Where does coverage apply?
The United States, its territories and possessions, Puerto Rico and Canada.
When does coverage end?
When the contractor's contract with your platform ends, or if the policy is cancelled.
Notes
- 1 Written by Certain Underwriters at Lloyd's, London as surplus lines (non-admitted) coverage.
- 2 While under contract and en route to a delivery, loading or unloading, or returning from the final stop to the garage.
This page is a summary, not a policy. Coverage is subject to underwriting and to the terms, conditions and exclusions of the policy issued.
Ready to get Auto Liability & Cargo?
A Parallax specialist reviews every application and follows up with your quote.