Ideal Accounts and Appetite

• For-hire petroleum transportation operations
• Operations with at least 10% transportation of hazardous materials that require placards (see Prohibited Exposures)
• Non-hazardous tank truck or tank trailer operations hauling bulk liquid or dry commodities
• Bulk food-grade commodities (dry or liquid bulk exposures >119 gallons, >450 liters, or >1,000 pounds)
• Hazardous and non-hazardous waste haulers (excluding garbage and refuse hauling)
• One- to 25-unit risks; available in most states (see Territories)

What This Program Helps Manage

This program addresses the key risks that transportation clients face when a spill or accident threatens pollution liability and third-party damages. It bundles standard commercial auto liability and physical damage with motor cargo and pollution-specific coverages so you can present a coordinated solution to trucking and hauling clients with bulk-product exposure.

Coverages and Advantages

• No radius limitation on operations
• Auto Liability (limits to $1,000,000)
• Auto Physical Damage
• Motor Truck Cargo
• UM/UIM, medical payments, PIP, and statutory no-fault where required
• General Liability with optional Misdelivery of Liquid Products endorsement
• Auto Pollution Liability (form CA9948)
• Admitted paper from an A- XI rated carrier for placement confidence

Limits and Availability

• Automobile liability: up to $1,000,000
• General liability: up to $1,000,000 per occurrence / $2,000,000 aggregate
• Available in all states except AK, HI, MA, and NY

Underwriting Requirements and Submission Guidance

To submit an account, include complete commercial auto and loss-control details. Typical requirements:

• Commercial auto questionnaire — include hazard class and UN number of all hazardous commodities
• Minimum five years currently-valued loss runs
• Drivers schedule with dates of hire, years of experience, and MVRs for all drivers
• Vehicle schedule with year, make, model, body type, full VIN, stated amount, and garaging ZIP
• Target pricing by line of coverage

Underwriters evaluate fleet safety metrics, hazmat handling procedures, routing, tank and valve maintenance, and cargo securement when considering terms. Heavy exposure to excluded classes (see below) will typically make accounts ineligible.

Prohibited Exposures

• Class 2.3 Poisonous Gases
• Class 6.1 Packing Group 1
• Class 6.2 Infectious Substances
• Class 7 Radioactive Materials

Example Accounts That Fit

• A regional tanker fleet hauling petroleum products for retail fuel distribution, with documented driver training and vehicle schedules — good fit for combined auto and pollution limits.
• A food-grade bulk liquid hauler transporting liquid sweeteners and oils in tanker trailers — suitable for motor cargo plus pollution protection when non-hazardous.

Why Place This Business With Amwins Underwriting

Amwins Underwriting pairs a focused transportation-pollution appetite with admitted paper and experienced underwriting for environmental incidents tied to vehicle operations. The program is intended for agents who need a single market to address auto liability, cargo, and pollution exposures for small to mid-sized fleets across most states.