Auto Physical Damage

Auto Physical Damage (APD) coverage helps cover the cost of repair or replacement of damaged commercial vehicles. Different types of coverages exist within the commercial physical damage category. They include: Collision, Comprehensive, and Fire and Theft with combined additional coverage (CAC). Collision insurance will provide protection in case of a collision. Comprehensive insurance will provide protection against almost everything except a collision with another vehicle or object. Fire and Theft with CAC combined additional coverage (CAC) is a limited form of Comprehensive insurance specially designed for specific heavy truck types.

While auto physical damage coverages is optional in most states, the coverage can be an essential part of any commercial auto insurance policy. Company vehicles can be very important to your business, and having a solid policy that includes auto physical damage coverage can ensure that you protect them.

JenCap’s companies have the ability and access to provide you with the APD coverage that your clients need to be completely protected.

We offer this coverage for the following industries and classes:


  • Adult Daycare Vans
  • Airport Shuttles
  • Auto Haulers
  • Bloodmobiles
  • Bookmobiles
  • Buses
  • Contractors
  • Couriers
  • Daycare Vans
  • Dryvans
  • CDL and non-CDL Driver Training Schools
  • Dump Truck Operations
  • Flatbeds
  • Food Trucks
  • Frack Water Haulers
  • Grain Haulers
  • Guided Tours
  • Hazardous Materials Haulers
  • Hoppers
  • Household Goods Movers
  • Limousines
  • Local and Interstate Charter Buses
  • Loggers
  • Mobile Arcades
  • Mobile Health Units
  • Non-Emergency Vehicles
  • Party Buses
  • Public Livery
  • Reefer
  • School Buses
  • Shuttles
  • Sightseeing Buses/Trolleys
  • Social Service Units
  • Tractor Trailers
  • Van Pools
  • Wreckers


This product offers the following features:

Coverage Highlights

  • Collision
  • Covers the owner/operator for the accident itself, the covered vehicle’s impact with another subject whether an automobile or otherwise.
  • Comprehensive
  • Comprehensive coverage is also known as “All perils other than collision”. It’s coverage for damages to the vehicle other than collision and is more of a broad coverage. It will include losses from natural disasters including flood, earthquakes, dust storms, hail, fire and vandalism. This type of coverage will also only cover equipment that is necessary for operating the vehicle itself.

Thrift Store, Shelter, and Transitional Housing

  • Located in Washington
  • Package & Umbrella
  • Premium of $91,000

Credit Monitoring Firm

  • Located in New York
  • Technology & Cyber Liability
  • Premium of $23,571

General Contractor

  • Located in New Jersey
  • General Liability
  • Premium of $59,908

Beverage Manufacturer

  • Located in Georgia
  • General Liability
  • Premium of $33,571

Tract Home Builder

  • Located in Pennsylvania
  • General Liability
  • Premium of $13,708

Boys & Girls Club

  • Located in California
  • Package & Umbrella
  • Premium of $38,438

This product is available in available in: