Transportation
heavy truck liability program
The Preferred Large Truck program is designed for various size accounts ranging from a single truck up to a fleet of over 100 power units. While primarily aimed at the long haul interstate truckers operating in the 11 western states, rates are provided for both statewide and 100 miles radius accounts. Pricing and selection methodology allows for competitive pricing for drivers with good driving records and years of operation experience. Coverages include Liability, Uninsured Motorist, Medical Payment and Physical Damage. All mandatory regulatory filings are available at no extra charge. New ventures, poor driving records and inexperienced operators are prohibited.
commercial auto physical damage
The Sutter Insurance Company stand-alone physical damage program is designed for commercial auto risks domiciled in California. The program encompasses a wide selection of vehicles ranging from a light pick-up truck to a tractor-trailer. Public livery and private passenger vehicles may be included as part of a fleet. The driver guidelines allow for inclusion of almost every type of driving record from age 21 and older. Various radius of use endorsements are available up to 11 western states.
motor truck cargo
business auto
The Business Auto program is a liability and physical damage program for light (0-10,000 GVW) and medium (10,001-20,000 GVW) vehicles. Risks must be domiciled in California and operate within a 300 mile radius. The preferred class of business is service type vehicles but the program will extend retail and commercial vehicles as well. Hauling for hire is a prohibited class. The driver guidelines are designed to accept most drivers regardless of MVR activity.
public auto
Personal Lines
homeowners ho3
Homeowner coverage is available to meet the needs of applicants who don't qualify for the preferred or standard market and who may have been declined, cancelled, or non-renewed. We offer the safety of an admitted program that offers most of the bells and whistles of the standard market and considers applicants with updated older homes (including pre-1945), a history of losses (including multiple losses), unconventional mortgages, wood shake roofs, trampolines, and swimming pools with slides or diving boards. Coverage is provided on a replacement cost basis and can be placed for homes with values from $75,000 to over $1 million.
homeowners ho8
We offer the safety of an admitted program that allows for applicants who don't qualify for an HO-3 due to partial upgrades, protection class, or architectural style. Coverage is provided on an actual cash value basis and can be placed for home values from $50,000 to over $300,000.
dwelling fire dp1
Dwelling coverage is offered to meet the needs of homeowners and/or landlords who own dwellings that contain adverse risk conditions that would not normally meet the underwriting guidelines of the preferred or standard carriers (i.e. older homes without upgrades, rentals, seasonal/secondary homes). Coverage is provided on an actual cash value basis and can be placed for dwelling values from $35,000 to over $300,000.
comprehensive personal liability
The Comprehensive Personal Liability program offers stand-alone liability coverage for owner occupied dwellings.