Select Country:
Energy & Engineering
Inland Marine
Primary Casualty
Excess Casualty
Management Liability
Professional Liability
Property & Casualty
Navigators Re
Environmental Casualty
Protection & Indemnity
Specialty Auto
Commercial Auto
Buffer Auto

Navigators’ Commercial Division offers business auto insurance to insureds within target industries affording the convenience of packaging their primary auto coverage with other P&C lines purchased through Navigators. Business auto insurance can be written in conjunction with our primary lines of business in the following industry “verticals”: Environmental, Life Sciences/Allied Health, Technology, and Media Arts & Entertainment. We do not write business auto insurance on a monoline basis or where auto is the predominant risk (premium-bearing) exposure.


Following is a general outline of our appetite for Business Auto by industry Vertical:



  • Most manufacturers and distributors (“NP3”) and environmental consulting firms (“NP4”) qualifying for our Integrated Casualty product (combination of General Liability, Pollution Liability and, for NP4 risks, Professional Liability) are eligible.
  • Long haul, hazardous material hauling or accounts supporting monoline pollution policies are not eligible.
  • Very selective on larger (XX+ vehicles) fleet, auto-intensive accounts.
  • Auto must be supported with our NP3/4 + Cyber Policy.

Life Sciences/Allied Health

  • The majority of auto risks qualifying for our Life Science Division package and products/professional policies are eligible.
  • No emergency or non-emergency medical (NEMT) transport or otherwise extensive patient transport.
  • Auto must be supported with our package policy (excluding products) or Products/Professional/Excess policy at a minimum.



  • The majority of auto risks qualifying for our Technology Division package policies are eligible.
  • Auto must be supported with a Technology Package Policy at a minimum.


Media Arts & Entertainment

  • The majority of auto risks qualifying for our Media Arts & Entertainment Division package policies are eligible.
  • Auto must be supported with a Media Arts & Entertainment Package Policy at a minimum.
  • No bus or public transportation.



  • Up to $1 million CSL primary

Open brokerage – only to accommodate other lines


Territories where this product can be provided
United States (except Alaska, Hawaii and Massachusetts. Limited in Louisiana, Florida and Michigan)


Key Features:

  • Admitted product
  • Business Auto policy (CA 00 01 10 13)
  • $1 million combined single limit
  • Available only with accompanying lines of business
  • Various proprietary and ISO coverage forms
  • Navigators Commercial Auto Extension endorsement with imbedded coverage extensions, including Additional Insured, Waiver of Subrogation, Transportation Expense and others
  • MCS-90 if needed (requires underlying Transportation Pollution Liability (TPL) or CA 99 48 insurance)
  • Pollution liability coverage form (CA 99 48) available as optional

Submission Guidelines:

  • Completed Auto Acord Application
  • 3-5 years of currently valued loss runs, including the current year
  • MVRs, if available
  • Details on any loss > $10,000
  • Full description of operations
  • Current and complete drivers list
  • Expiring and target premiums

        Supplemental Information (may be required):

  • Driver training/fleet safety manual
  • Fleet maintenance plan
  • 2 years financials (preferably audited)
  • Spill contingency plan (if applicable)


Tom McNamara    (212) 613-4236