Amwins National Transportation Underwriters, part of the Amwins Underwriting division, offers a specialized Public Auto program designed for agents placing passenger transportation risks. Our underwriting team has more than 100 years of combined experience in public auto exposures and works with a variety of admitted and non-admitted markets to provide flexible solutions for operators such as shuttles, limousines, charter buses, and social service carriers.
Overview of the Program from Amwins Underwriting
This program is delivered through Amwins as a Managing General Underwriter with access to multiple carriers. It provides targeted coverages and underwriting expertise for businesses that transport passengers for hire or on behalf of organizations. Policies can be tailored by account and typically include primary auto liability, physical damage, and excess limits when appropriate.
Ideal Accounts and Appetite
Typical accounts that fit this program include:
- Airport shuttles, airport limousines and courtesy buses
- Limousine and chauffeured luxury sedan services
- Charter and party buses (sightseeing, seasonal recreation, amateur sports)
- Employee transportation and daycare transport services
- Social service transportation providers
Amwins has appetite for single-state and multi-state operations across a broad range of vehicle fleets and seating capacities. We generally consider accounts with organized driver screening and safety programs. Accounts with frequent charter work, special event service, or mixed-use operations may also be eligible.
Coverage Highlights and Advantages
- Auto Liability limits tailored to the account with available excess layers
- Physical damage options for comprehensive and collision on scheduled vehicles
- Flexible underwriting for seasonal operations and mixed fleets
- Access to multiple carriers through Amwins’ underwriting relationships
- Underwriting expertise focused exclusively on public auto exposures
Underwriting Notes
When submitting a request, underwriters typically ask for:
- Completed public auto application and vehicle schedule
- Current loss runs (usually 3–5 years)
- Driver lists and MVRs for principals and drivers
- Details on safety programs, maintenance, driver hiring, and training procedures
While this program handles many public auto classes, it is not intended for high-hazard freight or specialized hazmat transport. Accounts with a history of frequent or severe losses, or with inadequate driver controls, may not be eligible.
Territories and Regulatory Positioning
The program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage availability and filing requirements vary by state; Amwins can advise on admitted vs. non-admitted placement options as appropriate for the risk.
Why Work with Amwins on Public Auto
- Deep, focused expertise in public auto—underwriters who understand passenger transportation exposures
- Managing General Underwriter access to multiple carrier capacities and flexible policy forms
- Responsive underwriting and tailored solutions for single-vehicle owners up to larger fleet operators
- Ability to consider specialized or niche operations that require a nuanced approach
Example submissions you may have: a regional airport shuttle operator with a mixed fleet of 8–12 vehicles and a documented driver training program; or a luxury limousine service seeking liability and physical damage coverage for chauffeurs and high-value sedans. Both are the kinds of risks our team regularly evaluates.
To learn more about our Public Auto insurance program, please visit our website.