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Commercial Auto Liability Insurance Transportation Risk Services (TRS) offers a focused Commercial Auto Liability Insurance program for retail agents and brokers placing transportation-related risks. As a Managing General Agency and Excess & Surplus Lines broker, TRS provides access to both admitted and non-admitted paper through an A+ (Superior) rated carrier, giving you underwriting flexibility and financial strength across a broad range of accounts. 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.

AFC Insurance Inc. offers a focused Paratransit Program built for Non-Emergency Medical Transportation (NEMT), ambulette services, and other paratransit operations serving the Health & Human Services sector. If your client operates wheelchair-accessible vans, appointment shuttles, or similar non-emergency transport vehicles, this program is structured to help manage their transportation risks with tailored coverages and practical underwriting. Ideal accounts and appetite The program is designed for agents placing non-emergency transportation accounts, including: Paratransit vehicle operators Non-Emergency Medical Transportation (NEMT) providers Ambulette services Organizations and vendors within the Health & Human Services space Vehicles that have lights installed may be eligible, provided they do not carry EMT staff and are not used for emergency services. This program is not intended for ambulance or emergency providers, taxi, limousine/black car operations, or general shuttle services. Coverage highlights and advantages AFC provides access to a broad suite of coverages tailored to paratransit exposures. Highlights include: Commercial Auto Liability Hired and Non-Owned Auto Liability available Combined Single Limit options Capacity across multiple markets General Liability — limits available up to $1,000,000 Property Coverage Workers’ Compensation Directors & Officers (D&O) Accident & Health Crime Insurance These options help protect operators from vehicle liability, third-party claims, employee injuries, and organizational exposures common to human services providers. Underwriting notes and minimum premiums AFC’s underwriting emphasizes practical, experienced evaluation of paratransit risks. Typical eligibility requires that vehicles not be staffed with EMTs and not operate as emergency vehicles. Minimum premiums vary by account size, vehicle count, and exposure profile; agents should expect pricing to be quoted on a case-by-case basis. Territories and availability The program is available across the United States — all 50 states and Washington, D.C. — with capacity in both admitted and non-admitted markets where appropriate. AFC can place accounts in urban and rural territories. Why work with AFC Insurance Inc. on paratransit business As a dedicated Program Administrator, AFC brings focused expertise in transportation and human services exposures. They offer agents access to a variety of carrier markets and flexible placement options, making them a strong choice for niche NEMT and ambulette accounts that need tailored coverages and experienced underwriting. Example accounts that fit this program You have a small NEMT operator with a fleet of wheelchair-accessible vans transporting patients to medical appointments — no EMTs on board and routine routes within the community. An ambulette provider serving a county health department with a mix of part-time drivers and volunteer staff that needs combined auto liability and workers’ compensation solutions. Ineligible risks The program will not consider emergency services, ambulance operations, vehicles carrying EMT staff, taxi/shuttle services, limousine/black car operations, or similar for which different underwriting and coverages are required. Frequently Asked Questions What types of accounts are a good fit for this program? This program is best suited for non-emergency medical transportation providers — paratransit vehicle operators, ambulette services, and other transportation providers within the Health & Human Services sector. Are emergency medical services or ambulance companies eligible? No. Emergency services, ambulance operations, and any vehicles carrying EMT staff are ineligible for this program. What coverages are included in the Paratransit Program? Available coverages include Commercial Auto Liability (including hired & non-owned), General Liability, Property, Workers’ Compensation, Directors & Officers, Accident & Health, and Crime insurance. Is this program available in all states? Yes. AFC offers this program in all 50 states and Washington, D.C., with placement options across admitted and non-admitted markets. Can vehicles with lights be covered under this program? Yes. Vehicles equipped with lights may be eligible so long as they do not carry EMT staff and are not operated as emergency vehicles. Need help placing an account? Connect with a market specialist.