Transportation and Trucking Coverage from U.S. Risk Insurance Group
U.S. Risk Insurance Group, Inc. offers a Transportation and Trucking Coverage program tailored for commercial auto operations that need wholesale, Excess & Surplus (E&S) solutions. Through access to an A.M. Best–rated A+ (Superior) FSC XV E&S carrier and other markets, we place complex or hard-to-place trucking risks that may not fit standard admitted carriers. This program is designed for agents and brokers who need capacity, flexible underwriting, and solutions for unique fleet exposures.
Ideal Accounts and Appetite
We write a wide range of for-hire and private fleets. Typical classes include:
- Contractor fleets
- Cement mixers and sand & gravel haulers
- Patrol and security companies
- Parcel and document delivery services
- Container haulers and building materials dealers
- Hotel and motel courtesy vans
- Airport shuttles and taxis
- Ambulances (emergency and non-emergency)
- Selective long-haul fleets (40+ units)
- Local trucking operations (up to a ~500-mile radius)
- Garbage and recycling haulers
- Select fuel haulers
We also consider many other classes—contact us with specific operations that may appear outside typical appetite.
Coverage Highlights and Advantages
This program balances capacity with flexible underwriting to serve both standard and specialty exposures:
- Primary commercial auto liability and physical damage coverage
- Underwriting flexibility for complex operations and unique exposures
- Capacity for large fleets and regional trucking programs
- Options for sizable deductibles and Self-Insured Retentions (SIRs)
- Non-admitted/E&S market advantages for risks not eligible for admitted markets
Underwriting Notes and Minimum Premiums
We focus on accounts that may not fit standard carriers due to fleet size, operational complexity, or higher risk profiles. The program’s typical minimum premium begins at $35,000, so it is best suited for mid-size to large fleets or operations with elevated exposures. Underwriting emphasizes vehicle count, radius of operation, cargo type, driver selection and training, loss history, and safety controls.
Examples of good fits:
- An independent contractor fleet of mixed heavy equipment and dump trucks operating regionally with a strong safety program but large aggregate limits needs E&S capacity and SIR options.
- A municipal solid-waste hauler with multiple routes across state lines requiring primary liability and physical damage limits not available in standard markets.
Territories and Availability
This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Availability may vary by state and specific risk characteristics—confirm with underwriting for state-specific terms.
Why Work with U.S. Risk Insurance Group?
As an experienced E&S broker, U.S. Risk combines deep carrier relationships with hands-on underwriting expertise in transportation and trucking. We move quickly on submissions, structure programs with flexible retentions and limits, and help place accounts that require non-standard solutions. If you have a trucking client who can’t get acceptable terms in admitted markets—or who needs larger deductibles, SIRs, or specialty coverage—we can help you find workable options.