Program Sweet Spot
Target accounts include manufacturers, distributors and installers of truck bodies, trailers and mounted equipment. This program is not available for RVs, buses, campers or unrelated vehicle conversions.
Eligible Risks and Revenue Tests
To qualify:
- At least 75% of a company's revenue must come from truck equipment manufacturing or installation.
- Trailer manufacturers must generate at least 90% of sales through trailer dealers.
Truck equipment covers equipment designed to mount on bare truck chassis to convert the truck to a special-use vehicle, including but not limited to:
- Ambulance / emergency response trucks
- Beverage trucks
- Dump trucks
- Fire trucks
- Tow trucks
- Utility trucks
Eligible Types of Trailers
Eligible trailers include (but are not limited to):
- Utility trailers
- Cargo trailers
- Heavy equipment trailers
- Semi-trailers
Coverage Highlights
This program provides package solutions that can be combined to match an account's exposures. Available coverages include:
- General Liability including Product Liability
- Property
- Inland Marine
- Crime
- Equipment Breakdown
- Cyber
- Automobile
- Umbrella
- Workers' Compensation
Underwriting Notes
Underwriters look for clear revenue segmentation that demonstrates a primary focus on truck equipment or trailer manufacturing. Typical considerations include:
- Percentage of sales from manufacturing vs. repairs, service or unrelated business lines.
- Distribution channel for trailers (dealer-direct sales requirement for trailer manufacturers).
- Product testing, quality control and installation procedures for mounted equipment.
- Completed operations and product liability exposures tied to mounted bodies and trailers.
Provide detailed loss runs, description of product types, photos of operations and installation practices to speed placement.
Availability
Available in all U.S. states and the District of Columbia. States served: 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, DC, WV, WI, WY.
Why Place This Business With Amwins Underwriting
As a Managing General Agency working with markets such as Markel, Amwins Underwriting combines specialty underwriting expertise and admitted paper to provide capacity for niche truck equipment and trailer risks. The program is structured to handle product liability and completed operations exposures common to manufacturers and installers while offering complementary property and inland marine options for equipment and finished units.
Example Accounts
- A regional company that fabricates utility bodies and installs service cranes on flatbeds—75%+ revenue from manufacturing/installation and standard dealer distribution for any trailers—seeking GL, auto and inland marine coverage.
- A trailer manufacturer that sells primarily through dealers (90%+ dealer sales), requesting combined property, product liability and umbrella limits for completed trailers and transit exposures.
Submission Guidance
To submit accounts or request a quote, send complete submissions (ACORD applications, current loss runs, product descriptions and photos) to: [email protected].
Carrier & Program Positioning
Carrier relationships (for example: Markel) provide admitted capacity and program consistency. Amwins Underwriting positions accounts with underwriters who understand the manufacturing and installation life cycle—from fabrication to dealer distribution and service—so you can place accounts with fewer gaps in coverage.