Non-owned Auto Liability Coverage

The minimum premiums for risks written on the Mileage Basis shall be increased for excess limits. Non-owned Auto Liability Coverage.

If a risk involves three or more Private Livery and/or Public Livery Automobiles and/or Busses owned by one assured, a policy may be written for Public Liability and Property Damage insurance (but not for Collision insurance) on the Earnings Basis to cover all such automobiles owned by the assured during the policy term.

Rates on the Earnings Basis will be found in the State Rate Sheets and shall apply to each $100 of gross livery earnings (whether collected or not) developed by audit. The advance premium for Public Liability and Property Damage insurance shall be based upon the estimated total earnings for the policy period. The earned premium shall be based upon the total earnings developed by audit. The minimum annual premium for the policy shall be 75% of the total of the specified car premiums for each automobile insured.

The minimum premiums for risks written on the earnings basis shall be increased for excess limits.
Note: The earnings basis shall not be used for metered Taxi- cabs, Hotel Omnibuses, School Busses, Golf or Country Club Busses, Real Estate Dealers’ Busses or Funeral Directors’ auto-mobiles.
For definitions, coverages and general policy forms see the General Rules Section, and for rules relating only to Private Passenger, Commercial or Public Automobiles, refer to the respective sections.


Comments are closed.