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Jun 29
Commercial Auto: What About Temporary Substitutes?

As a Big “I" Markets agent you have access to monoline commercial auto markets through Travelers and Progressive. A common question agents receive around this coverage is answered in detail in a Big “I" Virtual University article.

The question reads, "My customer has a Business Auto Policy (BAP) with Symbol 1 for liability and Symbol 7 for physical damage. One of their autos will be in the shop for two weeks for repairs and I want to make sure there are no gaps in coverage. Since they will rent a vehicle during this time, it will be a temporary substitute auto and the BAP responds for liability and physical damage claims, right?"

To read the Big “I" member-exclusive VU content that contains the answer, log in here. Let us know at if the answer surprised you!

Read on for more details on the markets available through BIM. Liability ranges from $1-2 million. Coverages and availability vary by state and carrier.

Travelers small commercial auto coverage provides up to $1 million of liability protection and can be written on a monoline basis for classes of business that would be eligible for the Travelers Select MasterPac program.

Travelers will entertain vehicles used commercially, but is NOT a market for:

  • Livery services
  • Hauling of hazardous materials
  • Truckers
  • Dump Truck operators

Coverages available but not limited to:

  • Liability - $1M
  • Broad range of deductibles
  • Ability to write multi-state exposures on one policy
  • Hired Auto Physical Damage
  • Employee Hired Auto
  • Blanket Additional Insured
  • Auto Loan Lease Gap

Travelers Select Commercial Auto is available to members in all states except AK & HI.

Progressive Insurance offers a wide range of commercial auto insurance programs to fit the needs of the small business operation. Progressive's Commercial Auto product is currently available to Big "I" members in all states except AK, HI & MA as of the date of this publication.

To submit a quote, log into Big "I" Markets and click on "Commercial Auto - Monoline." Contact Big "I" Markets commercial underwriter Claire McCormack at or (800) 221-7917 ext. 5415 with any questions.

​127 South Peyton Street
Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556

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