Ideal Accounts and Appetite
TRS specializes in placing both standard and hard-to-place commercial auto liability risks. This program is a strong fit for a wide range of transportation classes, including:
- Contractor Fleets
- New Ventures with solid business plans
- Cement Mixers and Building Materials Dealers
- Courier and Delivery Services (parcels & documents)
- Container Haulers and Sand & Gravel Haulers
- Ambulance Services (Emergency and Non-Emergency)
- Hotel/Motel Courtesy Vans and Airport Shuttles
- Taxis, Limos, and Party Buses (no stripper poles)
- Local and Intermediate Trucking (up to 500 miles)
- Selective Long Haul Fleets (over 40 units)
If you have a client in a niche transportation segment, such as prisoner transport or garbage hauling, this program may be an excellent fit. TRS can also accommodate Drive Away & Toters and selective fuel haulers.
Coverage Highlights and Advantages
This program offers flexible underwriting backed by an A+ rated carrier, available on Admitted paper in most states and Non-Admitted where necessary. Coverage is tailored to meet the needs of transportation and commercial auto clients, with the ability to structure policies that address specific operational risks. TRS’s broad market access and underwriting expertise make it easy for agents to place both common and specialized risks with confidence.
Underwriting Notes and Minimum Premiums
The minimum premium for this program is $50,000, making it suitable for mid-sized to large accounts that require comprehensive liability coverage. TRS is open to evaluating new ventures with strong operating plans and can assist with accounts that may have limited prior coverage history, provided other underwriting factors are favorable.
Unacceptable Risks
To ensure underwriting integrity, the following classes are not eligible under this program:
- Non-Owned Employee Staffing
- Uber and Rideshare Services
- Individual Trip Risks
- Visiting Nurse Services
- Franchised Auto Dealers
- Pizza or Fast Food Delivery
- Railroad Employee Transportation
- Risks with Hydraulic Fracturing Exposure
If you are unsure whether a specific class is acceptable, TRS encourages you to reach out for clarification.
Territories and Availability
This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, GA, and PA. TRS serves clients nationwide, offering solutions in all 48 contiguous states plus AK, HI, and DC.
Why Work With Transportation Risk Services
Based in Barrington, IL, TRS has built a strong reputation as a go-to MGA and wholesale broker for transportation risks across the country. With deep market relationships and a focus on the trucking and public auto sectors, TRS helps agents secure competitive coverage options for both standard and complex risks. In addition to Auto Liability, TRS can assist with Physical Damage, Cargo, General Liability, Garage, Contractor’s Equipment, Warehouse Legal Liability, Umbrella, and Occupational Accident/Contingent Liability products.
Whether you're working with a local delivery fleet, a start-up long-haul trucking operation, or a non-emergency medical transport provider, TRS brings underwriting knowledge, operational insight, and flexible solutions to help you secure the right coverage for your clients.
Frequently Asked Questions
What types of accounts are a good fit for this Commercial Auto Liability program?
This program is ideal for contractor fleets, local and intermediate trucking, delivery services, ambulances, taxis, limos, and other commercial auto operations, including selective long-haul fleets with over 40 units.
Is this program available to new ventures?
Yes, TRS is open to new ventures, particularly those with strong business plans and sound operations. Each submission is evaluated on its own merits.
What is the minimum premium for this program?
The minimum premium starts at $50,000, making it suitable for mid-sized and larger commercial auto accounts.
What types of risks are not eligible for this program?
Unacceptable risks include Uber/rideshare services, fast food delivery, franchised dealers, visiting nurse services, and accounts with hydraulic fracturing exposure.
In which states is this program offered?
This program is available in most states across the U.S., including CA, TX, FL, NY, IL, and more. Both Admitted and Non-Admitted options are available depending on the state.
Need help placing an account? Connect with a market specialist.