Overview of the Program From U.S. Risk Insurance Group
U.S. Risk Insurance Group’s Bus Insurance program is designed for large people-mover operations, including fixed-route transit buses. Our carrier partner offers admitted paper with high limits and competitive pricing, making this a go-to solution for agents and brokers working with transit-focused accounts. The program is available in all 50 states and Washington, D.C., and is best suited for accounts with annual premiums of $75,000 or more.
Ideal Accounts and Appetite
We are currently targeting large bus accounts, specifically those that fall into the following categories:
- Fixed-route public transit operations
- Large people-mover fleets
- Urban and suburban shuttle services
This program is ideal for clients operating in metropolitan or regional markets with significant passenger volume and consistent routing. For example, you might have a client running a city-wide transit system or a large shuttle fleet serving corporate campuses or airports—these are strong fits for our underwriting appetite.
Coverage Highlights and Advantages
- Auto liability limits up to $5 million available
- Physical damage coverage included
- Low deductibles to reduce out-of-pocket exposure
- Optional incidental general liability coverage
- Access to top-tier claims and loss control services
Underwriting Notes and Minimum Premiums
To be considered for this program, submissions must meet our underwriting criteria and be complete. A full submission should include:
- ACORD forms 125, 127, 137 (and 126 if including incidental GL)
- A completed Public Auto questionnaire
- Vehicle schedule including use, garaging, radius, capacity, and cost new
- Five years of currently valued loss runs
- Current financial statements
- Current driver list and MVRs
We are primarily seeking accounts with minimum premiums of $75,000, though this may vary based on risk characteristics and state.
Territories and Availability
This program is available in all 50 states and Washington, D.C., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.
Why Work With U.S. Risk Insurance Group
As an experienced excess and surplus lines broker, U.S. Risk Insurance Group provides agents and brokers with access to specialized markets and underwriting support for complex public auto risks. With our strong carrier relationships and focus on service, we help you deliver tailored solutions that meet the operational and compliance demands of your bus operator clients.
Frequently Asked Questions
What types of accounts are a good fit for this bus insurance program?
We are targeting large people-mover operations, especially fixed-route public transit systems with premiums of $75,000 or more.
Is the coverage written on admitted paper?
Yes, we offer coverage through an A+ XV-rated admitted carrier.
Can incidental general liability be added to the policy?
Yes, incidental GL can be written in conjunction with the bus coverage when needed.
What documents are required for a complete submission?
Submissions must include ACORD forms, a Public Auto questionnaire, a full vehicle schedule, five years of loss runs, financials, and driver/MVR info.
Is this program available nationwide?
Yes, the program is available in all 50 states and the District of Columbia.
Need help placing an account? Connect with a market specialist.