COMMERCIAL AUTOMOBILE
Overview of the Program From CMS, LLC
When your direct markets fall short, CMS, LLC helps you place hard-to-place or underserved commercial auto risks. Backed by an A XII Best’s rated carrier and broad access to multiple markets, our Commercial Automobile Product provides flexible solutions for a wide range of transportation-related businesses. Whether you’re placing established fleets or new ventures, CMS offers tailored options and underwriting support to get your accounts bound quickly.
Target Classes and Ideal Accounts
This program writes a broad array of commercial auto exposures, including but not limited to:
- Non-emergency ambulette and medical transport services
- Limousine and chauffeur operations
- Airport and hotel shuttle operators
- Dump trucks, flatbed haulers, and oversized-load carriers
- Refuse haulers and mix-in transit vehicles
- Moving & storage companies
- Sand & gravel haulers
- Dry van fleets and motor truck cargo operators
- Special riggers and oversized load carriers
- Stand-alone auto physical damage (non-admitted placement available)
While the core program is tailored to fleets of 10 units or more, CMS maintains additional market relationships to consider smaller fleets, single-unit operations, or brand-new businesses when appropriate.
Coverage Highlights and Advantages
- Primary liability limits up to $1,000,000 CSL (select accounts considered up to $2,000,000)
- Vehicle physical damage capacity up to $25,000,000
- Motor truck cargo limits customized to cargo type and exposure
- No maximum fleet size restrictions through available carriers
- Competitive commission structures offered to agency partners
All new business submissions are accepted on standard ACORD applications. We combine rapid underwriting response with multi-market placement capabilities to help close business efficiently.
Underwriting Notes
The program’s core appetite favors fleets of 10 or more units; however, CMS leverages additional markets for smaller operations and single-unit risks. Each submission is evaluated on its own merits—complete ACORD applications, current loss runs, drivers’ MVRs, and vehicle schedules will speed review and placement.
Territories and Availability
This program is available in the following jurisdictions: AL, CA, CT, FL, GA, IL, KY, ME, MI, NH, NJ, NY, NC, PA, RI, SC, TN, TX, VT, VA, and DC.
Why Work With CMS, LLC?
CMS, LLC is a wholesale broker with deep commercial auto expertise and long-standing carrier relationships. Our strengths include multi-market access, flexible underwriting solutions for specialized exposures, and hands-on support to help agents place difficult accounts. We partner with agents to identify the best market for each risk rather than forcing one-size-fits-all placements.
Example scenarios that fit the program:
- A regional sand-and-gravel hauler with a growing fleet that needs higher cargo limits and split liability/physical damage solutions.
- A newly launched non-emergency medical transport service seeking coverage for a small fleet while establishing safety and loss-control programs.
Submission Contacts:
Fax: (516) 799-8602
ACORD applications are acceptable.
Let CMS put the pieces together for you.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is well suited for commercial auto accounts such as dump trucks, flatbed haulers, healthcare transport vehicles, limousines, cargo haulers, and other transportation-related businesses. We also review new ventures and smaller fleets through secondary markets.
Is there a minimum fleet size requirement?
The core program favors fleets of 10 units or more. That said, CMS has access to additional markets that can consider smaller operations and single-unit risks depending on the exposure and carrier appetite.
Are ACORD applications accepted for submission?
Yes. Please submit standard ACORD applications along with supporting documents (loss runs, driver MVRs, vehicle schedule) to expedite underwriting review.
In which states is this program available?
This program is available in AL, CA, CT, FL, GA, IL, KY, ME, MI, NH, NJ, NY, NC, PA, RI, SC, TN, TX, VT, VA, and DC.
What are the available coverage limits?
We offer primary liability limits up to $1,000,000 CSL (with select accounts considered up to $2,000,000), vehicle physical damage capacity up to $25,000,000, and motor truck cargo limits tailored to the type of cargo.
Need help placing an account? Connect with a market specialist.