To round out accounts for the most effective and efficient risk management, PMA offers Commercial Automobile insurance to our business clients. Providing coverage solutions for your commercial auto and workers' compensation insurance needs allows for an extremely powerful loss prevention approach, as motor vehicle accidents are the number one cause of workplace fatalities, according to the Bureau of Labor Statistics. Thus, risk control measures taken to promote worker safety can be effective in minimizing commercial automobile losses and reducing clients' overall business costs.

The PMA Commercial Automobile Program

PMA offers a full line of Commercial Automobile liability and physical damage coverages.

In addition, our program offers superior options, including the following:

• A customized Fleet Safety Program coordinated by our Risk Control Department, which can include comprehensive training seminars and classes for fleet safety managers and drivers.
• A driver monitoring program, utilizing vehicle decals to encourage the public to report safe and unsafe driving actions via a toll-free number, is offered to all qualified accounts at no additional charge. PMA driver monitoring clients have experienced impressive auto claim frequency improvements relative to all PMA auto clients.
• The PMA ExcelleratorPLUS Endorsement--For a competitive premium charge, this broad form endorsement provides frequently requested coverage enhancements. The PMA ExcelleratorPLUS Endorsement includes:
  • Unintentional Failure to Disclose Hazards
  • Knowledge and Notice of Accident
  • Supplementary Payment Extensions
  • Drive Other Car Coverage for Designated Individuals
  • Employees as Insureds Excess Coverage
  • Rental Reimbursement Coverage Designated Vehicles
  • Employers Non-Ownership Liability Coverage
  • Hired Auto Liability and Physical Damage Coverages
  • Audio, Visual and Data Electronic Equipment Coverage
  • Glass Repair - Waiver of Deductible
  • Airbag Mechanical Breakdown Coverage
  • Extension for Newly Acquired Subsidiaries
  • Towing
  • Physical Damage Additional Transportation Expense Coverage

The PMA Preferred Automobile Program

For accounts meeting the PMA Preferred Automobile Program criteria, PMA offers all the benefits of the standard program plus the additional benefits of:

• More attractive rates than offered by our standard program.
• The PMA ExcelleratorPLUS Endorsement at no additional premium charge, where regulatorily approved.
• Customized Fleet Safety seminars and classes at no additional premium charge.

We also offer a Composite Rating Plan that provides for convenience in the handling of large fleets.