Metlife decides to exit commercial auto insurance market

It has come to our attention that the insurance giant MetLife has decided not to offer business or commercial auto insurance polices any longer.

The primary reason seems to be due to larger than expected losses.

If you have a MetLife business or commercial auto policy whatever broker that you have used to obtain the policy will now be trying to move your policy to another carrier.  This may or may not be good news for your company.

Business Auto Insurance Policies and General Liability insurance, and Workers Comp help is available (208) 229-8222.

We have some of the highest quality business and commercial auto insurance, commercial property and liability insurance


Air-Conditioning Equipment and Supplies
Analytical Instruments (Photometers, Spectrographs)
Architect, Drafting and Engineer, Equipment, and Supplies
Brick, Stone, and Related Construction Materials
Cameras, Equipment, and Supplies
Caskets, Burial Vaults, and Boxes
Communication Equipment, Except Household
Computers and Computer Peripheral Equipment and Software
Condensers, Electronic
Construction Materials, Not Elsewhere Classified
Cooking Equipment, Commercial
Dry-cleaning Plant and Laundry Equipment and Supplies
Electrical Apparatus and Equipment, Wiring Supplies
Electrical Appliances, Household
Furnaces, Heating
Fixtures, Store Not Refrigerated
Garage Service Equipment
Home Furnishings
Humidifiers and Dehumidifiers, Except Portable
Janitor’s Supplies
Laboratory Equipment, Except Medical or Dental
Motor Vehicle Supplies and New Parts
Musical Instruments
Office Equipment Ophthalmic Goods
Plumbing and Heating Equipment and Supplies
Refrigeration Equipment and Supplies
Resistors, Electronic
Service Establishment Equipment and Supplies
Shoe Repair Materials
Signs, Except Electric
Sporting and Recreational Goods and Supplies

Non-Durable Goods

Artist Materials
Bags, Boxes, Paper, and Disposable Plastics
Beer and Ale
Books, Periodicals, and Newspapers
Bottled and Canned Soft Drinks and Carbonated Waters
Dairy Products, Except Dried or Canned
Fresh Fruits and Vegetables
Groceries and Related Products, Not Elsewhere Classified
Groceries, General Line
Hair Accessories
Ice, Manufactured or Natural
Industrial and Personal Service Paper
Jewelry Boxes
Meats and Meat Products
Men’s and Boys’ Clothing and Furnishings
Packaged Frozen Foods
Pet Supplies, Except Pet Food
Piece Goods, Notions, and Other Dry Goods
Printing and Writing Paper
Stationery and Office Supplies
Toys and Hobby Goods and Supplies
Wine and Distilled Alcoholic Beverages
Women’s, Children’s, and Infants’ Clothing and Accessories

Retail Establishments

Eligible Risks:

Air Conditioning, Heating Supplies
Antique Stores
Aquarium Supplies and Tropical Fish
Army—Navy Stores
Art Gallery or Dealer
Art, Pictures and Posters
Artist’s Supplies
Athletic Footwear
Audio/Visual Equipment
Automobile Accessories
Bagel Shops
Balloon and Novelty Stores
Barber, Beauty Supplies—Retail
Bed and Bath Shops
Beverage Stores, No Alcoholic Beverages
Beverage Stores, Selling Beer or Wine
Bicycle Shops
Blanket and Bedding
Books, Magazines
Brass Specialty Stores
Bric-a-brac and Curio Shops
Bridal Shops
Butcher Shops
Cake Decorating Equipment and Supplies
Camera, Photographic Supplies and Repair
Candle Shops
Candy, Nut, Confectionery
Cards, Stationery
Carpet, Floor Coverings
Catalog and Premium Coupon Redemption Stores
Ceramics and Pottery
Cheese Shops
China and Crystal Stores
Christmas Stores
Clock Shop with Repair
Clothing, Accessories: Children’s and Infants’
Clothing, Accessories: Maternity Clothing
Clothing, Accessories: Men’s and Boys’
Clothing, Accessories: Sports Apparel and Accessories
Clothing, Accessories: T-Shirt Shops
Clothing, Accessories: Women’s and Girls’
Coffee Bars
Collectibles—Coins, Stamps
Collectibles—Sport Cards and Memorabilia
Convenience Store, No Gas Pumps
Convenience Store, Selling Gas
Cookie Stores
Cosmetics, Toiletries
Curtains, Draperies
Dairy Products
Dance Supplies
Delicatessens, No Cooking
Delicatessens, with Cooking
Department Stores
Donut Shops
Dry Goods Stores
Education and School Supplies
Electrical Supplies
Electronics Stores
Equipment, Fixtures, Supplies for Bars, Hotels, Offices or Stores
Equipment, Fixtures, Supplies for Restaurants
Flag and Banner Stores
Florist Shops including Artificial Flowers
Frame Shops
Fruits and Vegetables
Furniture, Patio
General Stores
Gift, Novelty, Souvenirs
Golf Equipment Stores
Gourmet Coffee Shops
Grocery Stores and Supermarkets
Health Food
Hearing Aid and Audiology Centers
Hobby Shops Including Miniatures, Models and Trains
Home Improvement Stores
Ice Cream and Frozen Yogurt Shops, No Cooking
Jewelry Fine
Jewelry—Imitation and Novelty
Juice Bars
Kitchen Accessories, Including Cutlery
Knives and Scissors
Lamps, Lighting Fixtures
Lawn, Garden Outdoor Fixtures
Lawn, Garden Supplies
Leather Goods
Linen and White Goods
Lingerie, Hosiery
Liquor Stores (Liquor Liability Not available in Alabama or Vermont)
Luggage Stores
Mattress stores (Not Stored On Site)
Meat, Fish and Poultry
Mirror and Home Decorations
Musical Instruments—Pianos, Organs
Musical Instruments—other than Pianos and Organs
Newspaper and Magazine Stands
Office Furniture
Office Machines
Office Supplies
Optical Goods
Paint, Wallpaper, Tile
Paper and Paper Products
Party Supply Stores
Pet Store
Pet Food and Supplies
Photography—Portrait, Including Videotaping
Plumbing Fixtures, Supplies
Records, Tapes, Compact Discs
Religious Articles
Running and Track Equipment
Sewing Machines
Ship Chandler Stores
Sign Stores
Specialty Foods
Soccer Apparel and Equipment
Sporting Goods, Bait and Tackle, No Firearms or Skis
Sunglasses Shops
Telephone Stores
Tennis Apparel and Equipment
Ticket Sales
Tie Shops
Tile Stores
Trophy Stores
Tuxedo Rental
Uniform Stores
Vacuum Cleaner Sales and Service without Central Installation
Vacuum Cleaner Sales and Service with Central Installation
Variety Store
Vending Machine Operators
Video Store Wig Shops
Yarn Shop

Getting Best Business Auto Policy Coverages

Insuring the vehicles that your business operates during the course of the day is very important and we are here to help.

Business Auto Policy Coverage’s for our most insured business auto insurance vehicle types.

BAP or Business Auto Policy Coverages are an insurance policy that covers a businesses’ use of cars, trucks, vans, box or straight trucks and other vehicles in the course of conducting its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for company business.

Get free rate quotes for your Business Auto Policy near you now. We offer access the best in class Commercial Auto Insurance in the country.

Business Auto Insurance Policy Quotes are available for many types of vehicles. Call us at (208) 229-8222. Or use our quick and easy form below.


Learn all about the Business Auto Policy Coverages and all available coverage’s near you.

What are the Liability Coverage Types in Business Auto Policy?

Combined single limit (CSL)

Combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combined single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver’s car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.

Split limits

Split limit liability coverage policy splits the coverage’s into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver’s vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.

Bodily injury liability coverage is also usually split into a maximum payment per person and a maximum payment per accident.

The limits are often expressed separated by slashes in the following form: “bodily injury per person”/”bodily injury per accident”/”property damage”.

Professional Services

Actuarial Services
Advertising Agencies
Architectural Consulting Services
Credit and Debt Counseling Services
Interior Decorators
Medical Billing Services
Offices NOC
Public Relations
Real Estate Agents
Tax Return Preparation Services
Telemarketing and Research Services
Title Agents
Wedding Consultants

Business Services

Associations, Not for Profit
Carpet, Rug & Upholstery Cleaning
Charitable Foundations
Commercial Art & Graphic Design
Direct Mail Services
Museums/Art Galleries
Music & Art Studios
Pet Groomers
Photocopy, Duplicating Services
Communications Services Management Providers
Computer and Software Stores
Computer Consultants
Computer Facilities Management Services
Computer Integrated Systems Design
Computer Maintenance or Repairs
Computer/Peripheral Equipment Manufacturers
Computer Programming
Computer Rental or Leasing
Data Communications Vendors
Internet Access Providers
Media Duplication
Pre-Packaged Software – Development and Design
Web Site Design and Development Services


Auto Parts Stores
Bicycle Stores
Book Stores
Card, Stationery & Office Supplies Stores
Costume/Formal Wear Rental Stores
Craft, Hobby & Artist Supplies Stores
Hardware Stores
Housewares Stores
Medical, Hospital & Surgical Supply Stores
Painting and Picture/Frame Stores
Shoe Stores
Sporting Goods Stores


Auto Parts Distributors
Industrial Supplies Distributors
Janitorial Supplies Distributors
Plumbing Fixture & Supplies Distributors

Cookies, Crackers, Pretzels & Other Dry
Bakery Products Mfg
Mold Mfg
Wood Products Mfg, NEC

Medical Offices

Acupuncture Offices
Medical Billing Offices
Medical Management Consultants
Occupational Therapists’ Offices
Offices & Clinics of Doctors of Medicine
Psychologists’ Offices


Bicycle Stores
Book Stores (New)
Bridal Shops
Computer & Computer Software Stores
Custom Made Clothing Stores
Embroidering Of Advertising On Shirts, Etc.
Garden & Nursery Stores
Gift, Novelty & Souvenir Shops
Gourmet & Specialty Food Stores
Mailing or Packaging/Addressing Stores
Musical Instrument & Sheet Music Stores
Optical Goods Stores
Shoe Stores
Sporting Goods Stores