U.S. Risk Insurance Group, Inc.

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U.S. Risk Insurance Group, Inc.

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Public Auto Insurance

Public Auto Insurance

U.S. Risk Insurance Group, Inc. offers a specialized Public Auto Insurance program for large “wheels” and people-mover accounts. Through access to an A+ XV-rated admitted carrier, this program provides up to $5 million in auto liability limits (including physical damage) and competitive low deductible options. Incidental General Liability (GL) can be added to the auto policy when required, giving you flexibility to package coverages for high-exposure transportation clients.

Ideal Accounts and Appetite

This program is designed for large transportation risks where capacity and experienced underwriting matter. Typical targets include:

Shuttle services and people-mover operations
Fixed-route transit buses
Non-emergency medical transport (non-EMT) vehicles
Taxis, truckers, and other large transportation fleets (generally for premiums of $200,000+)

The program works best for accounts with substantial fleets or significant public transportation exposure. Premium thresholds generally start at $75,000 for shuttle and people-mover accounts; other large transportation risks typically begin around $200,000.

Coverage Highlights and Advantages

This market delivers capacity and features tailored to high-limit transportation risks:

Auto liability limits up to $5 million, including physical damage
Low deductible structures to support loss control and client retention
Optional incidental General Liability written with the auto policy
Competitive pricing with underwriting flexibility for complex or multi-state risks
Responsive claims handling and proactive loss control resources

If you have a regional shuttle fleet or a multi-state trucking operation, this program provides the limits and service model needed to place those accounts effectively.

Underwriting Notes and Minimum Premiums

To streamline submission and underwriting, provide a complete package that includes:

ACORD forms 125, 127, 137 (and 126 if GL is requested)
A completed Public Auto or Trucker’s Questionnaire
Detailed vehicle schedule with garaging, primary use, operating radius, passenger capacity, and cost-new values
Five years of currently valued loss runs
Current financial statement
Driver list with current MVRs

Minimum premiums start at approximately $75,000 for shuttle and people-mover operations; most other large transportation accounts (taxis, trucking, etc.) will generally begin around $200,000.

Territories and Availability

This Public Auto program is available nationwide — all 50 states and Washington, D.C. — making it suitable for single-state and multi-state operators.

Why Work With U.S. Risk Insurance Group?

U.S. Risk is an established Excess & Surplus Lines broker with deep experience placing complex transportation risks. Agents benefit from U.S. Risk’s long-standing carrier relationships, underwriting knowledge, and hands-on service from submission through claims. Whether you need capacity, flexible terms, or loss control support, U.S. Risk can help you place challenging public auto accounts with confidence.

Frequently Asked Questions

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

This program targets larger transportation risks such as shuttle services, transit buses, non-EMT medical transport, taxis, and truckers. It is best suited for accounts where annual premiums meet the program’s minimum thresholds (typically starting at $75,000).

Can incidental General Liability be added to the policy?

Yes. Incidental GL can be written in conjunction with the auto policy when the exposure warrants it.

What documentation is required for a complete submission?

Provide ACORD 125/127/137 (and 126 if requesting GL), a completed questionnaire, a vehicle schedule, five years of currently valued loss runs, current financials, and a driver list with MVRs.

What liability limits are available?

The program offers auto liability limits up to $5 million and can include physical damage coverage as part of the package.

Is the program available in all states?

Yes. The Public Auto program is available in all 50 states and Washington, D.C.

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

U.S. States Available

U.S. States Available:

Provider Type:

Excess & Surplus Lines Broker

Admitted:

All Available States

Carriers:

Carrier Ratings:

A+XV

Commission:

Varies

Min Premium:

Varies

Coverages:

Auto Liability Insurance Excess Public Auto Insurance Local and Intermediate Public Auto Insurance Public Auto Insurance Truckers and Public Auto Workers Compensation Insurance Uninsured Motorist Insurance

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U.S. Risk Insurance Group, Inc. has other insurance programs like Artisan Contractors Workers Compensation Insurance.

U.S. Risk Insurance Group, Inc.

U.S. Risk Insurance Group, Inc.

Hi, !

Public Auto Insurance

Ideal Accounts and Appetite

Coverage Highlights and Advantages

Underwriting Notes and Minimum Premiums

Territories and Availability

Why Work With U.S. Risk Insurance Group?

Frequently Asked Questions

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

Can incidental General Liability be added to the policy?

What documentation is required for a complete submission?

What liability limits are available?

Is the program available in all states?

U.S. States Available