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Commercial Automobile Truckers Application

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COMMERCIAL AUTOMOBILE/TRUCKERS APPLICATION

National Casualty Company

Home Office: Madison, Wisconsin

Adm. Office: 8877 Gainey Center Dr.
Scottsdale, Arizona 85258

Scottsdale Insurance Company

Home Office: One Nationwide Plaza
Columbus, Ohio 43215

Adm. Office: 8877 North Gainey Center Drive
Scottsdale, Arizona 85258

Scottsdale Indemnity Company

Home Office: One Nationwide Plaza
Columbus, Ohio 43215

Adm. Office: 8877 North Gainey Center Drive
Scottsdale, Arizona 85258

Scottsdale Surplus Lines Insurance Company

Adm. Office: 8877 North Gainey Center Drive
Scottsdale, Arizona 85258

1-800-423-7675 • Fax (480) 483-6752

Name of Applicant:

D/B/A:

Street Address:

P.O. Mailing Address:

Phone Number: FEIN/Social Security/Soundex No.

Web site:

Agent Name:

Address:

Agent No.:

PROPOSED EFFECTIVE DATE:

From To

12:01 A.M., Standard Time, at the address of the Applicant.

PLEASE ANSWER ALL QUESTIONS

DESCRIPTION OF OPERATIONS

1. Applicant is: Individual Partnership Corporation Joint Venture LLC Other:

2. Description of operations:

Attach appropriate supplemental application as needed.

3. How long has this operation been in business?

4. How many years of experience does your management have in the truck/transportation business?

Provide an explanation of their experience:

5. Have you had any insurance canceled, declined or non-renewed in the last three years? Yes No

If yes, explain:

6. Has there been any change in the nature of operations, ownership, management or the name of the operation during the last five years? Yes No

If yes, provide details:

7. Is the applicant a subsidiary of another entity or does the applicant have any subsidiaries or has the applicant operated under a different name? Yes No

If yes, provide details:

8. Is there a formal safety program? Yes No

If yes, provide details or a copy:

9. List commodities transported:

10. Any exposure to flammables, explosives, chemicals or hazardous materials (including medical or contaminated waste)? Yes No

If yes, provide specific details:

11. Radius of operations: Intrastate only Interstate

0-100 miles , 101-300 miles , 301-500 miles , Over 500 miles

12. List all states in which vehicles operate:

a. For all states, list largest cities entered:

b. For all states, list farthest city entered from garaging location:

13. Is your operation subject to time constraints when delivering the commodity? Yes No

14. Do you haul for others? Yes No

If yes, indicate percentage and for whom:

15. Do you back haul? Yes No

If yes, advise for whom and commodities transported?

16. Do you have a signed trailer interchange agreement? Yes No

If yes, provide a copy of the signed agreement, cover letter and provider list.

17. Do you operate under a UIIA (Uniform Intermodal Interchange Association) contract? Yes No

If yes, provide a copy of the signed contract, cover letter and provider list.

18. Do any units have special equipment, customizations or alterations? Yes No

a. If yes, describe:

b. If a boom, how far does the collapsed length of the boom extend beyond the front or rear bumper?

19. Are any vehicles used by family members? Yes No

If yes, list and provide MVRs:

20. Is there personal use of vehicles? Yes No

If yes, explain:

21. Do you allow passengers? Yes No

If yes, explain:

22. Are any vehicles or equipment loaned, rented, or leased to others? Yes No

If yes, explain:

23. Are all drivers covered by Workers’ Compensation insurance? Yes No

DRIVER INFORMATION

24. Is there a formal driver hiring procedure? Yes No

If yes, provide a copy.

25. Is there a formal driver training program? Yes No

If yes, provide a copy.

26. Do you:

Perform employee drug & alcohol screening/testing? Yes No

Perform criminal background checks? Yes No

Have a “Good Driver” incentive program Yes No

Order MVRs prior to allowing employees to drive? Yes No

27. Criteria for hiring drivers: minimum age: years of experience:

Describe MVR standards:

28. Average driver turnover per year: Number of drivers hired in the past twelve (12) months:

29. Is there an accident review procedure? Yes No

If yes, please describe:

30. Are all drivers employees? Yes No

If no, provide copy of contract.

31. How are your drivers paid? Per load Per hour Other:

32. Do you agree to screen and report all potential operators immediately upon hiring? Yes No

33. Maximum number of hours driver will operate a vehicle in a 24-hour period:

34. Are driver teams used? Yes No

35. Are drivers assigned to specific units? Yes No

36. List below all drivers, owners/officers, partners currently employed as of the proposed effective date.

Driver’s Name D/C* Date of Birth Driver’s License No. State Class of License No. of Years Driving Similar Vehicle Length of Employment List Past Three Years of Accidents & Traffic Violations

*Designation Code: O—Owner/Officer, P—Partner, E—Employee

VEHICLE INFORMATION

37. Number of vehicles owned: Light Medium Heavy Extra Heavy
Tractors Trailers Private Passenger Types

38. Number of vehicles leased: Light Medium Heavy Extra Heavy
Tractors Trailers Private Passenger Types

39. Do you use double or triple trailers? Yes No

If yes, what percentage of trips involves the use of multiple trailers?

40. Do all trailers have DOT-required reflective tape? Yes No

41. Provide details on your vehicle maintenance program:

42. Are any vehicles owned, operated or leased that are not included in the vehicle schedule? Yes No

If yes, provide details:

PRIOR CARRIER AND LOSS EXPERIENCE SUMMARY

Include a minimum of four years currently valued company loss runs for all accounts.

The following Prior Carrier and Loss Experience Section must be completed:

Policy Period Prior Carrier Policy No. Past Deductible Amount Liability Premium Physical Damage Premium No. Of Losses Liability Losses Paid/Open* Physical Damage Losses Paid/Open*
OPERATION HISTORY
Year Gross Receipts Mileage Number of Power Units
Current Year
Projected for Coming Year
FILING INFORMATION

43. Do you hold an ICC/FHWA permit or UCRA/DOT registration? Yes No

If yes, provide: US DOT No. , MC No. , Base State

44. State filings required? Yes No

If yes, list states and provide necessary state motor carrier number, if applicable:

45. Provide exact name and address as shown on application for filings, permits, certificates, etc.:

46. Are there any special requirements needed for City permits, Certificates of Insurance, oversize and/or over weight permits? Yes No

If yes, provide details:

HIRED AUTO INFORMATION—Coverage Subject to Audit

47. Why is hired auto coverage being requested?

48. Do you lease, hire, rent or borrow any vehicles from others? Yes No

What is the average term of the lease?

Is there a written agreement? Yes No

Does it include a Hold Harmless agreement and/or Additional Insured clause? Yes No

Provide a copy of the agreement.

49. Do you hire independent contractors? Yes No

If yes, do you require certificates of insurance? Yes No

Provide a copy of the contract.

50. If owner/operators are leased, will they be scheduled on your policy? Yes No

If yes, provide a copy of the agreement you use.

51. Do you use sub-haulers? Yes No

If yes, provide cost of hire. $

Provide a copy of the contract.

52. Do you lease, hire, rent, or borrow any vehicles from others without drivers? Yes No

Will they be scheduled on the policy? Yes No

What is the average term of the lease?

53. What is your cost to lease, hire, rent or borrow vehicles? With drivers $ Without drivers $

Estimated cost of hired autos: This year: $ Last year: $

54. Is Hired Auto Physical Damage coverage desired? Yes No

If yes, average value of auto hired? $

55. How many autos are hired on average within a twelve (12) month period?

56. How many hired autos are in the insured’s possession at any one time?

57. What type of vehicles do you lease, hire, rent or borrow? Truck-Tractors Trailers
Heavy & Extra Trucks Pickup trucks or Vans Private Passenger Cars

58. At any time will your employees, subcontractors, or owner/operators lease vehicles in your name? Yes No

If yes, explain:

59. Do you arrange or dispatch loads for others, not including your own hired truckers? Yes No

Explain:

Are you named on the Bills of Lading? Yes No

Annual number of Truckers: Loads:

60. Do you have motor carrier brokerage authority? Yes No

If yes, is the brokerage authority held under the same name and motor carrier number as your trucking operation? Yes No

What is your motor carrier brokerage number?

Whose name appears on the bill of lading as the carrier?

What is your brokerage revenue for the most recent twelve (12) months?

Estimated next twelve (12) months?

61. Do you understand that we may audit your records for Hired auto exposure, which might result in an additional premium? Yes No

NON-OWNED AUTO INFORMATION—Coverage Subject to Audit

62. Why is non-ownership liability coverage being requested?

63. What types of non-owned autos will be used in your business?

Total number of non-owned autos used: How will they be used?

64. How often are non-owned autos used in your business? Daily Weekly Monthly Other:

Estimate the number of hours per month:

Estimated annual mileage for use of all non-owned autos:

65. Do any employees use their autos in your business? Yes No

If yes, what limit of liability insurance are they required to maintain?

Do you require evidence of insurance? Yes No

66. Will you use non-owned autos other than those owned by employees? Yes No

If yes, describe the relationship:

67. Total number of employees: Total number of officers and partners:

68. If a social service operation, do you use the autos of volunteers? Yes No

Maximum number of volunteers at any one time:

How will they use their vehicles?

69. Are volunteers required to have their own insurance? Yes No

Minimum limits required:

70. Do you obtain motor vehicle records for all employees and volunteers? Yes No

71. Do you understand that we may audit your records for Non-Owned auto exposure, which might result in an additional premium? Yes No

LIMIT AND COVERAGE INFORMATION

72. Liability: Combined Single Limits $

Split Limit: B.I. Per Person: $ B.I. Per Accident $ Property Damage: $

Liability Deductible: $1,000 Over $1,000 + Submit to company—financials may be required

73. Hired Auto: Cost of Hire: $

Hired auto coverage is subject to audit.

74. Non-owned Auto: Number of: Partners: Employees: Volunteers:

Non-owned auto coverage is subject to audit.

75. Uninsured Motorist: Rejected Limits Accepted

76. Underinsured Motorist: Rejected Limits Accepted

(Complete appropriate UM/UIM Selection/Rejection Form for Questions 75. and 76.)

77. Optional no-fault state: PIP rejected? Yes No

78. Mandatory no-fault state: PIP basic limits accepted? Yes No

(Complete appropriate Personal Injury Protection Selection/Rejection Form for Questions 77. and 78.)

79. Medical Payments: Rejected Limits accepted:

80. Trailer Interchange: Limit $ Number of Trailers:

Deductibles: Comp $ SCOL $ Coll $

81. Do you understand that we may audit your records, which might result in an additional premium? Yes No

82. Are any Lessors or other entities to be added as additional insureds? Yes No

If yes, list:

NAME VEHICLE ADDRESS RELATIONSHIP/INTEREST
VEHICLE SCHEDULE

(Attach copies of the vehicle registration for all vehicles and explain if registration name is different from applicant’s name.)

Vehicle No.:
Year:
V.I.N.:

Make/model/type of vehicle:

ACV ST AMT: $ Value of perm. attached equip.: $

Mfg. seating capacity: Radius: Farthest city:

City, state, zip where garaged:

License state: License plate No.:

GVW/GCW: Class.:

Deductibles COMP SCOL COLL

Commercial Retail Service

Leased Vehicle? Yes No

Loss payee/additional insured/lessor:

If limousine, name of coach builder: Length:

Vehicle No.:
Year:
V.I.N.:

Make/model/type of vehicle:

ACV ST AMT: $ Value of perm. attached equip.: $

Mfg. seating capacity: Radius: Farthest city:

City, state, zip where garaged:

License state: License plate No.:

GVW/GCW: Class.:

Deductibles COMP SCOL COLL

Commercial Retail Service

Leased Vehicle? Yes No

Loss payee/additional insured/lessor:

If limousine, name of coach builder: Length:

Vehicle No.:
Year:
V.I.N.:

Make/model/type of vehicle:

ACV ST AMT: $ Value of perm. attached equip.: $

Mfg. seating capacity: Radius: Farthest city:

City, state, zip where garaged:

License state: License plate No.:

GVW/GCW: Class.:

Deductibles COMP SCOL COLL

Commercial Retail Service

Leased Vehicle? Yes No

Loss payee/additional insured/lessor:

If limousine, name of coach builder: Length:

This application does not bind YOU or US to complete the insurance, but it is agreed that the information contained herein shall be the basis of the contract should a policy be issued.

FRAUD WARNING:

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

FRAUD WARNING (APPLICABLE IN FLORIDA):

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

FRAUD WARNING (APPLICABLE IN MAINE):

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

FRAUD WARNING (APPLICABLE IN TENNESSEE AND WASHINGTON):

It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.

FRAUD WARNING APPLICABLE IN THE STATE OF NEW YORK:

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, and any person who knowingly makes or knowingly assists, abets, solicits or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency, the department of motor vehicles or an insurance company, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or stated claim for each violation.

APPLICANT’S NAME AND TITLE:

APPLICANT’S SIGNATURE: DATE:

(Must be signed by an active owner, partner or executive officer.)

PRODUCER’S SIGNATURE: DATE:

AGENT NAME: AGENT LICENSE NUMBER:

(Applicable in Florida Agents Only)

IMPORTANT NOTICE

As part of the underwriting procedure, a routine inquiry may be made which will provide applicable information concerning character, general reputation, personal characteristics and mode of living. Upon written request, additional information as to the nature and scope of the report, if one is made, will be provided.

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What the Commercial Automobile Truckers Application Is

The Commercial Automobile Truckers Application is a standard insurance intake form used by trucking companies, owner‑operators, and brokers to request commercial automobile coverage. It gathers legal entity details, driver qualifications, vehicle descriptions (VIN, GVW), requested liability and physical damage limits, prior loss history, and regulatory compliance information needed for underwriting and FMCSA recordkeeping. Carriers rely on the application to assess risk, determine premiums, and set policy terms. Where permitted, electronically completed and signed applications are accepted under ESIGN (15 U.S.C. §7001) and applicable state rules.

Why a Complete Application Matters for Trucking Risks

A thorough Commercial Automobile Truckers Application standardizes underwriting information, reduces follow‑up, and documents material facts essential to coverage decisions. Complete submissions help underwriters set accurate premiums, reduce the likelihood of coverage disputes, and create a defensible record for claims and audits.

Why a Complete Application Matters for Trucking Risks

Who Typically Completes This Application

Carriers, independent agents, fleet managers, and owner‑operators commonly complete Commercial Automobile Truckers Applications for coverage and renewal purposes.

  • Insurance carriers: Underwriting intake, risk assessment, premium calculation, and policy issuance.
  • Brokers and agents: Collect applicant details, supporting documents, and route to multiple insurers.
  • Fleets and owner‑operators: Provide vehicle, driver, and safety program information for eligibility.

Accurate completion by the responsible party accelerates underwriting, lowers administrative rework, and improves the chance of receiving favorable terms.

Typical Roles Completing or Reviewing the Form

Fleet Safety Manager

A fleet safety manager completes multiple applications for trucks and drivers, ensuring VINs, MVRs, CSA scores, and safety programs are accurately listed. They coordinate supporting documents and follow up with underwriters to resolve questions before coverage effective dates.

Insurance Broker

An insurance broker gathers business data, compares carrier appetite, submits the application to insurers, and tracks quotation responses. Brokers manage endorsements and binders once underwriting requirements are satisfied to secure client coverage.

Security and Compliance Considerations for Electronic Submission

Encryption in Transit: TLS 1.2 and 1.3 encrypt data in transit for secure transmission.
Encryption at Rest: AES‑256 encryption protects stored application data and documents.
Third‑Party Certifications: SOC 2 Type II and ISO 27001 certification demonstrate controls.
HIPAA Support: BAA available when the application contains protected health information.
Regulatory Standards: Compliant with ESIGN, UETA, and 21 CFR Part 11 where required.
Accessibility: WCAG 2.0 Level AA accessibility features for form access.

Core Sections Every Professional Truckers Application Should Include

A professional Commercial Automobile Truckers Application groups applicant, vehicle, driver, coverage, claims history, and compliance declarations into clear, underwriter‑ready sections for efficient review.

Applicant Details

Provide legal business name, DBA if applicable, mailing and physical addresses, Federal EIN or SSN, contact person and title, and broker/agent contact information so underwriters can identify responsible parties and billing contacts.

Business Operations

Describe the business model, cargo classes, typical routes and radius, gross annual receipts, number of power units and trailers, and any subcontracting arrangements affecting underwriting classification and exposure.

Vehicle Information

List each power unit and trailer with full VIN, year, make, model, GVWR, ownership status, primary use, and safety equipment to ensure correct vehicle classification and premium assignment.

Drivers & Qualifications

Include full legal names, dates of birth, CDL class, license states, MVR abstracts, years of experience, safety training, and any prior suspensions or disqualifications required for driver screening.

Claims & Loss History

Attach loss runs covering the requested period (commonly three to five years), describe recent claims and reserves, and document corrective actions so underwriters can evaluate prior frequency and severity.

Coverage & Declarations

Specify requested liability limits, UM/UIM, cargo coverage, physical damage deductibles, trailer interchange, and applicable endorsements. Signed declarations confirm representations and authorize carrier verification.

Step‑by‑Step: Complete and Submit the Application

[INTRO] Gather documents, complete fields, attach supporting records, sign electronically if allowed, and submit to the carrier or broker specified.

  • 01
    Step 1 — Gather: Collect business, driver, vehicle, and safety program documents.
  • 02
    Step 2 — Fill: Enter legal names, EIN/SSN, VINs, and coverage limits.
  • 03
    Step 3 — Attach: Upload MVRs, loss runs, safety manuals, and CDL copies.
  • 04
    Step 4 — Sign & Send: Sign, date, and transmit via insurer portal or email.

Configuring an Online Workflow for Truckers Applications

[INTRO] Configure your online application workflow with field logic, signer roles, and audit trails to meet carrier underwriting and compliance needs.

Field Configuration
Authentication Email, SMS code, or advanced authentication
Conditional Fields Show fields based on previous answers
Bulk Submission Bulk send for fleet applications
Audit Trail Capture IP, timestamps, and action history

Technical Requirements for eSubmission and Storage

Ensure your platform supports required file types, signer authentication, and secure storage before eSubmission.

  • File Formats: PDF, DOCX, and fillable forms supported
  • Integrations: Salesforce, NetSuite, Google Workspace, Box, Procore
  • Browser Support: Modern browsers; mobile signing supported

Where to Send the Completed Application

Submission path depends on whether you use a broker, carrier portal, or direct email; choose the method the carrier specifies to avoid processing delays.

  • To Insurer: Submit via carrier portal or secure email address.
  • Through Broker: Broker collects, reviews, and forwards to selected carriers.
  • Via Agency Portal: Use agency systems for bulk or batch submissions.
  • Regulatory Filing: Provide copies for FMCSA or state regulators when required.

Penalties and Risks from Incorrect or Incomplete Applications

1099 Penalties: $60/$130/$330 per form depending on lateness
Intentional Disregard: $660+ per form, no cap
Backup Withholding: 24% withholding for incorrect TIN
I‑9 Violations: $281–$2,789 per violation
Coverage Denial: Incomplete facts can lead to claim denial
Data Breach Liability: Regulatory fines and remediation costs

Common Mistakes to Avoid When Preparing the Application

  • Submitting applications with mismatched applicant names or tax IDs causes underwriting delays and may trigger requests for corrected tax forms or backup withholding.
  • Omitting vehicle details such as full VIN, GVWR, or vehicle use classification leads to incorrect premium quotes or coverage exclusions.
  • Incomplete driver history or missing motor vehicle records (MVRs) can result in higher risk classification or declination by carriers.
  • Failing to attach required supporting documents (loss runs, safety program evidence, CDL copies) prolongs underwriting and may delay binding.

How a Truckers Application Differs from a Standard Commercial Auto Form

A side‑by‑side comparison highlights fields and obligations specific to trucking operations versus general commercial fleets.

Criteria Standard Commercial Auto Commercial Automobile Truckers Application
Purpose general fleet trucking operations
Driver Info basic driver list full cdl and mvr details
Cargo Details rarely required required (cargo type, limits)
Regulatory Data limited fmcsa and compliance fields

eSignature Vendor Pricing and Feature Snapshot for Application Workflows

Compare entry pricing and core features for vendors commonly used to complete and sign insurance applications; signNow is listed first per platform comparisons.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day trial Varies Varies Varies Varies
Bulk Send Yes Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

Timelines, Deadlines, and Processing Expectations

Typical timing and deadlines cover submission, underwriting review, document updates, policy effective dates, and renewals; carriers set specific expectations.

Application Submission:

Submit before requested effective date; late submissions delay coverage.

Underwriting Review:

Commonly 3–10 business days for standard fleets; complex accounts take longer.

Document Updates:

Provide requested documents within 10–14 days to avoid processing delays.

Policy Effective Date:

Coverage begins on the insurer‑stated effective date once premium is paid.

Renewal Notice:

Submit renewal information 30–60 days before policy expiration for timely renewal.

Key Milestones from Submission to Policy Binding

Track these sequential milestones to manage underwriting progress and confirm coverage start and obligations.

01

Prepare Application

Gather information and supporting documents prior to submission.

02

Submit to Carrier

Send complete application via broker or carrier portal.

03

Underwriting Decision

Carrier assesses risk, requests clarifications, and issues terms.

04

Bind Coverage

Accept terms, pay premium, and receive policy documents.

Real Examples of Application Use in Organizations

Practical examples show how organizations streamline application intake and signature collection for trucking operations.

Optica Ventures LLC

Optica centralized its commercial auto intake to reduce manual entry and follow‑ups for multiple owner‑operators.

  • The interface simplified collection across devices and teams.
  • "The interface is simple and easy‑to‑use for our team; more importantly, it is just as easy for our customers."

Xerox (NetSuite Ops)

Xerox integrated application templates with backend systems to prefill repeatable data and speed submissions.

  • Integration reduced duplicate entry and improved accuracy.
  • "airSlate SignNow provides us with the flexibility needed to get the right signatures on the right documents, in the right formats, based on our integration with NetSuite."

FAQs and Troubleshooting for Commercial Automobile Truckers Applications

Answers to common questions about eSigning, notarization, required documents, corrections, and signer authority for truckers applications.


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