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 competitive Public Auto Insurance program designed for large “wheels” and people-mover accounts. With access to an A+ XV-rated admitted carrier, this program provides up to $5 million in auto liability limits, including physical damage, and offers low deductible options. Incidental General Liability (GL) coverage can also be written in conjunction with auto policies, making this a flexible solution for high-exposure transportation clients.

Ideal Accounts and Appetite

This program is tailored for large transportation risks, particularly those with premium thresholds starting at $75,000 and up. Target accounts 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 (for premiums of $200,000+)

If you have clients operating substantial fleets or providing public or commercial transportation services, this program may be a strong fit.

Coverage Highlights and Advantages

This market offers robust coverage options to help your clients manage high-liability transportation exposures:

Limits up to $5 million in auto liability, including physical damage
Low deductible structures for better risk management
Optional incidental General Liability coverage
Competitive pricing and underwriting flexibility
Responsive claims handling and proactive loss control services

You might have a client with a regional shuttle fleet or a multi-state trucking operation—this program delivers the capacity and risk expertise they need.

Underwriting Notes and Minimum Premiums

To ensure a smooth submission process, a complete application package must include:

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

Minimum premiums start at $75,000 for shuttle and people-mover accounts. For most other large transportation accounts—including taxis and trucking operations—premiums generally begin at $200,000.

Territories and Availability

This Public Auto Insurance program is available in all 50 states, plus Washington, D.C. Wherever your transportation clients operate, U.S. Risk can help you find a solution that fits.

Why Work With U.S. Risk Insurance Group?

U.S. Risk is a trusted Excess & Surplus Lines Broker with deep expertise in complex transportation risks. Through long-standing carrier relationships and a focus on delivering tailored insurance solutions, U.S. Risk helps agents and brokers place challenging auto accounts with confidence. From underwriting to claims and loss control, you can rely on responsive service and knowledgeable support every step of the way.

Frequently Asked Questions

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

This program targets large transportation risks such as shuttle services, transit buses, non-EMT vehicles, taxis, and truckers with premiums starting at $75,000.

Can incidental General Liability be added to the policy?

Yes, incidental GL coverage can be written in conjunction with the auto policy when needed.

What documentation is required for a complete submission?

Agents should provide ACORD forms, a completed questionnaire, vehicle schedule, five years of loss runs, financials, and a current driver list with MVRs.

What are the available liability limits under this program?

The program offers up to $5 million in auto liability limits, including physical damage coverage.

Is the program available in all states?

Yes, the 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 are the available liability limits under this program?

Is the program available in all states?

U.S. States Available