Ask Your Peers  Looking for Commercial Auto for Artisan Contractor with high losses 

I have an insured that has 6 vehicles and 3 losses that total $54k. I have been declined by all of the standard markets I have access to and am having trouble getting surplus companies to respond to my request to a quote. Any suggestions for a market?

Did you try Progressive? If not try a surplus lines broker like Risk Placement Services 1-859-245-2500

Hi Melissa,

I would recommend reaching out to Maximum and GMI Insurance. They both have a transportation division that will write Artisan Contractors. I'm not 100% sure about their requirement on losses, but they are easy to talk to and should be able to quickly let you know if they can help. I've included contact links for both companies below. 

Maximum - Transportation 

GMI Insurance - Business Auto Monoline Insurance

Please let me know if any of these markets don't work out for you and we can try some alternate options. 

Thank you!
Erin

Try this group. This is what they do, hard to place commercial. Good Luck!
http://www.primeis.com/product-lines/commercial-auto/

Progressive is $22K for 6 vans.

I was declined my GMI, but I will reach out to Maximum.

William,

Prime Insurance only has non-admitted paper... which most states will not accept to meet the financial responsibility requirement. Also review their form. I looked at one a couple years ago that was on a claims made basis with a sunset clause. Not sure if they still use such a restrictive form.

Hi Kenneth,
I am aware that every state will be different, given laws and other restrictions, and i don't know Texas. I was offering a solution. the question was not about it needing to be admitted, and i agree admitted is always the first choice.
Facts being what they are, many times there are little to no viable options that's when we go outside to normal protocol. "Think outside to box"

William,

I agree.... but I believe most states have an assigned risk.... and that should be used before non-admitted. I believe Louisiana allows primary auto liability to be written on a non-admitted basis... might be one or two other states that allow it.... problem is, when they have an accident and have to show proof of financial responsibility to the court, they will not accept any carrier that is not on the bureau of motor vehicle approved list (Which does not include non-admitted carriers). They will then get fined, lose their license and come back after the agent who sold it to them.

States such as NY prohibit primary auto to be written on a non-admitted basis.

Bottom line.. tread lightly here....

One option is to get the primary auto written with the assigned risk at the state minimum, then get a carrier to write excess auto over that.

Try BERKSHIRE HATHAWAY HOMESTATE.

https://www.bhhc.com/

They like that type of risk!

http://www.taga1.com?utm_campaign=CompleteMarkets&utm_medium=Referral&utm_source=CompleteMarkets.com

Melissa,

Did you try BERKSHIRE HATHAWAY?