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INSURANCE MARKETS AGENCY INC
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INSURANCE MARKETS AGENCY INC
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Commercial Auto Insurance

We will write almost anything on wheels!
 

Overview of the Commercial Auto Program from INSURANCE MARKETS AGENCY INC

INSURANCE MARKETS AGENCY INC offers a flexible Commercial Auto Insurance program built to help agents place hard-to-insure, specialty, and niche commercial auto risks. Whether your client operates a garbage hauling business, a petroleum transportation fleet, a public livery service, or a general trucking operation, this program delivers tailored solutions for a wide range of vehicle-based exposures.

Ideal Accounts and Appetite

This program targets accounts with specialized vehicle use and experienced drivers. Markets are available for:
  • Garbage & Waste Operations: Residential, commercial, or construction debris hauling using compactors, roll-off trucks, and dump trailers.
  • Petroleum Haulers: Transport of LPG, gasoline, diesel, heating oil, and similar petroleum-based products (with appropriate hazmat documentation).
  • Public Livery Auto: Passenger transport such as limousines, vans, church and hotel buses, sightseeing vehicles, and non-emergency medical transport.
  • Trucking Operations: For-hire or private fleets hauling commodities, equipment, refrigerated goods, livestock, and more — including auto transporters and UIIA-compliant operations.

Ineligible Risks

We are unable to consider risks that involve:
  • Medical or biohazardous waste transportation
  • Hazardous materials classified as explosives, corrosives, radioactive substances, or poisonous gases
  • School transportation, charter buses, or student drivers
  • Non-employee passengers or short-term leased vehicles

Coverage Highlights and Advantages

Key features of the program include:
  • Automobile liability limits up to $5 million
  • Excess/umbrella options available above $5 million
  • Physical damage written on a stated value basis
  • Available coverages: Motor Truck Cargo, Trailer Interchange, Refrigerated Breakdown
  • Broadened Pollution Endorsement (CA 99 48) for eligible petroleum haulers
  • Radius of operations: unlimited
  • General Liability available for qualifying operations
These enhancements help address unique exposures—such as cargo vulnerability, pollutant release for fuel haulers, and passenger liability for livery operations.

Underwriting Requirements and Minimums

To ensure timely review, submissions should include:
  • Loss runs for the past 3–5 years
  • Complete VINs on all power units
  • Driver roster with MVRs; drivers must be at least 21 with a minimum of two years’ relevant driving experience
  • Written safety programs and regulatory compliance documentation for hazmat/petroleum haulers
  • Minimum property damage deductible of $500
Minimum premiums and final terms vary by carrier and class. Contact INSURANCE MARKETS AGENCY INC for pricing guidance on specific risk types.

Territories and Availability

This Commercial Auto program is currently available in New Jersey (NJ) and Pennsylvania (PA). We can place both admitted and non-admitted risks depending on carrier appetite and the specific exposures presented.

Why Work With INSURANCE MARKETS AGENCY INC?

As a Managing General Agency and Excess & Surplus Lines broker, INSURANCE MARKETS AGENCY INC specializes in placing complex and niche commercial auto accounts. Our strengths for agents include:
  • Access to multiple carrier markets for broader placement options
  • Underwriting experienced with petroleum, waste, livery, and specialty trucking classes
  • Responsive underwriting and tailored policy forms for unique operations
  • Ability to place both admitted and E&S business when appropriate
You might have a client that owns a small fleet of roll-off garbage trucks with a clean loss history but limited market options—this program can often provide competitive liability and cargo solutions. Or you may represent a regional petroleum distributor that needs a broadened pollution endorsement and higher liability limits; we have markets that specialize in those exposures.

Frequently Asked Questions

What types of accounts are a good fit for this program?

The program fits garbage haulers, petroleum transporters, passenger transport services, and general freight or commodity trucking operations—especially those with experienced drivers and a reasonable loss history.

Are hazardous material haulers eligible?

Only petroleum-based haulers are typically eligible. Risks involving explosives, corrosives, or radioactive materials are not accepted.

Can I place a mixed-use fleet under this program?

Yes. Mixed-use fleets may qualify if each vehicle’s use and exposure fit within the program guidelines. Submit full vehicle and use details for underwriting review.

Is this program available outside NJ and PA?

Currently, availability is limited to New Jersey and Pennsylvania. Contact INSURANCE MARKETS AGENCY INC for updates on future expansion.

What is the turnaround time for quotes?

Turnaround depends on class and the completeness of the submission. Providing loss runs, VINs, and driver records up front helps speed the quoting process.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    B+ or better
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

261 east grove street
clarks summit , PA 18411
570-586-1471
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INSURANCE MARKETS AGENCY INC has other insurance programs like Artisan Contractors Insurance.