J.M. Wilson offers a focused Business Auto Insurance program that helps agents and brokers place coverage for a broad range of commercial auto risks. With access to both admitted and non-admitted markets, we place liability, physical damage, on-hook, and cargo coverages across many vehicle types and business operations. Our appetite supports accounts with up to 50 power units.
Ideal Accounts and Appetite
This program is a strong fit for small- to mid-sized commercial auto risks that do not engage in for-hire transportation. We write many common and specialty classes — examples include:
- Contractors (general contractors, roofing, painting, HVAC, electrical, carpentry)
- Delivery and local distribution (furniture, food delivery, fuel oil)
- Specialty and mobile units (ice cream vendors, concession trailers, blood mobiles)
- Service businesses (landscapers, janitorial firms, exterminators, handyman services)
- Retail and trade accounts (florists, auto parts, furniture and hardware stores)
- Nonprofits and niche operations (book mobiles, animal shelters, archaeological teams)
- Other specialty risks such as wreckers, logging support, and mobile auto repair
Note: this program does not support for-hire trucking or long-haul transportation.
Coverage Highlights and Advantages
J.M. Wilson’s Business Auto program offers flexible solutions to address vehicle-related exposures. Standard and available coverages include:
- Auto Liability
- Physical Damage (collision and comprehensive)
- On-Hook Coverage for tow and wrecker exposures
- Cargo Coverage for eligible delivery and transport operations
For select classes — for example food vendors, book mobiles, and caterers — we require General Liability to be in force in addition to commercial auto.
Example scenarios: You might have a client that runs a small landscaping business with five trucks operating across two counties, or a nonprofit that operates a mobile blood donation unit. These are the types of accounts we regularly place.
Underwriting Notes
We can accommodate accounts with up to 50 power units. Underwriting guidelines vary by class; certain specialty vehicles may carry operational or equipment restrictions (for example, boom or crane trucks limited to a 60-foot reach). Our underwriters are experienced with a wide range of commercial auto exposures and provide practical, market-driven guidance on submissions.
Territories and Availability
J.M. Wilson currently offers this Business Auto program in the following states:
GA, IL, IN, KS, KY, MI, MO, NC, OH, PA, SC, TN, WV, and WI.
We represent a variety of carriers and can place business on either an admitted or non-admitted basis depending on the risk profile and state regulation.
Why Work With J.M. Wilson?
As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson combines deep commercial auto expertise with broad carrier access. We partner with independent agents and brokers to find the right market for each account, offering niche-class experience, responsive underwriting, and the ability to place admitted or surplus lines when appropriate.
Frequently Asked Questions
What types of accounts are a good fit for this Business Auto program?
We’re a strong market for small- to mid-sized businesses with company-owned vehicles, including contractors, delivery services, landscapers, and specialty mobile units that are not engaged in for-hire transportation.
Are there restrictions on vehicle types or usage?
Yes. This program is designed for non-for-hire risks. We can write trailers, boom trucks (up to a 60-foot reach in many cases), and mobile service units, but we do not write long-haul or for-hire trucking operations.
Is this program available on an admitted or non-admitted basis?
We represent multiple carriers and can offer both admitted and non-admitted solutions depending on the account, state requirements, and carrier appetite.
How many vehicles can be included in one account?
This program can accommodate accounts with up to 50 power units. Accounts larger than this may require alternative placement strategies.
In which states is this program available?
The program is available in GA, IL, IN, KS, KY, MI, MO, NC, OH, PA, SC, TN, WV, and WI.
Need help placing an account? Connect with a market specialist.