Ideal Accounts and Appetite
TRS places both standard and hard-to-place commercial auto liability risks. The program fits a wide range of transportation classes, including:
- Contractor fleets
- New ventures with well-documented 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, limousines, and party buses (no stripper poles)
- Local and intermediate trucking (up to 500 miles)
- Selective long-haul fleets (over 40 units)
TRS also evaluates niche transportation segments such as prisoner transport, garbage hauling, Drive Away & Toters, and selective fuel haulers. If you have a specialized risk, submit the details—TRS can often find creative placements.
Coverage Highlights and Advantages
The program offers flexible underwriting supported by an A+ rated carrier. Coverage can be placed on admitted paper in most states and non-admitted where required. Policies are structured to address operational exposures common to trucking, public auto, and specialty transport operations—liability limits, tailored endorsements, and layered programs are available as appropriate.
Beyond Auto Liability, TRS can help place related products including Physical Damage, Cargo, General Liability, Garage, Contractor’s Equipment, Warehouse Legal Liability, Umbrella, and Occupational Accident/Contingent Liability.
Underwriting Notes and Minimum Premiums
The minimum premium for this program is $50,000, so it is best suited for mid-sized to large accounts that need comprehensive liability protection. TRS will consider new ventures that present a solid operating plan and favorable underwriting factors. Accounts with limited prior coverage history may be acceptable if safety controls, loss control programs, and management practices are strong.
Unacceptable Risks
To preserve underwriting integrity, the following classes are not eligible:
- 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 eligible, contact TRS 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 and can place risks in the 48 contiguous states plus AK, HI, and DC, using admitted or non-admitted paper as appropriate.
Why Work With Transportation Risk Services
Based in Barrington, IL, TRS is a niche MGA and wholesale broker with deep relationships in the trucking and public auto markets. Agents benefit from TRS’s underwriting expertise, market access, and experience structuring layered and specialty programs. TRS provides practical guidance on exposures, loss-control expectations, and submissions to help get challenging accounts placed.
Example scenarios where this program performs well:
- You have a regional contractor fleet of mixed-use trucks with solid safety programs seeking high-limit liability and physical damage options.
- An ambulance operator expanding into non-emergency medical transport needs combined auto liability and occupational accident solutions and has a detailed training and maintenance plan.
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 selective long-haul fleets with more than 40 units.
Is this program available to new ventures?
Yes. TRS will consider new ventures that present strong business plans, effective safety programs, and sound operational controls. Each submission is reviewed on its merits.
What is the minimum premium for this program?
Minimum premium starts at $50,000, making the program suitable for mid-sized and larger commercial auto accounts requiring substantive liability limits and coverages.
What types of risks are not eligible for this program?
Unacceptable risks include Uber/rideshare services, fast food delivery, franchised dealers, visiting nurse services, non-owned employee staffing, and accounts with hydraulic fracturing exposure.
In which states is this program offered?
TRS offers this program in most states across the U.S., with admitted options where available and non-admitted placements where necessary.
Need help placing an account? Connect with a market specialist.