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...al accounts include: Church buses transporting congregations or youth g...shuttle operators, and private school buses or vans. How many ...

...Inc. offers a selective market for buses, focused on shuttle, people-mover and...ations, including fixed-route transit buses and similar non-EMT vehicle fleets...

...s, cargo/passenger vans, and small buses used for client transport and program...passengers as a business. Large coach buses or high-capacity passenger carrier...

...r operations Fixed-route transit buses Non-emergency medical transport (no...sks such as shuttle services, transit buses, non-EMT medical transport, taxis,...

Tailored for School Bus, Charter Bus, Social Services, Ambulance, and ParaTransit Companies. Now includes coverage for Assault & Battery. VAIL - Value Added Insurance Lines, in partnership with Capacity Excess, LLC, offers a specialized Sexual Molestation Coverage program for transportation providers who regularly carry vulnerable populations. This program is designed for school bus contractors, charter operators, social service agencies, ambulance services, and ParaTransit providers. Coverage now extends to include Assault & Battery, giving broader protection for the kinds of high-exposure allegations these businesses face. Ideal Accounts and Appetite This program is intended for agents placing transportation clients that serve children, seniors, people with disabilities, or other at-risk groups. Typical target accounts include: School bus contractors and charter bus operators Non-emergency medical transportation (NEMT) providers Social service agencies that provide passenger transport Ambulance companies and ParaTransit operators You might place a mental-health nonprofit that operates daily shuttle routes or a charter company that runs school shuttles — both are examples of accounts that can benefit from dedicated sexual molestation and assault & battery coverage. Coverage Highlights and Advantages Allegations of sexual misconduct — even unfounded — can result in costly litigation and reputational harm. This program helps manage those risks with: Coverage for both legitimate and frivolous sexual molestation claims Assault & Battery included with the policy Limits available up to $5,000,000 Underwriting Notes and Minimums This is a non-admitted program with streamlined underwriting to speed placement for eligible risks. Key features: Flat rate per vehicle for simplified quoting A simplified application and quick quote turnaround $10,000 minimum premium $25,000 minimum retention Territories and Availability This program is available nationwide in all 50 states and the District of Columbia, offered on a non-admitted basis. If you have a multistate account or concentrated exposure in higher-risk territories, discuss placement options with the underwriting team. Why Work With VAIL and Capacity Excess VAIL specializes in value-added niche solutions and, through Capacity Excess, LLC, provides access to an underwriting team experienced in sexual misconduct and abuse exposures. Agents benefit from focused underwriting, responsive service, and a market that will consider difficult transportation risks other carriers may decline. To learn more, contact Carl Gerson at 201-661-2400 or email [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits school bus operators, charter bus companies, ambulance services, ParaTransit providers, and social service agencies that transport vulnerable populations. Does the policy cover Assault & Battery in addition to Sexual Molestation?Yes. The program now includes Assault & Battery coverage in addition to sexual molestation protections. What is the minimum premium for this coverage?$10,000 minimum premium with a $25,000 minimum retention. Is this program available in all states?Yes. The program is available nationwide in all 50 states and Washington, D.C., on a non-admitted basis. How quickly can I get a quote?VAIL and Capacity Excess use a simplified application and offer fast turnaround on quotes to help you move quickly for your clients. Need help placing an account? Connect with a market specialist.

...ery such as taxis and limousines Buses for schools, churches, and nonprofits...and contractor fleets. Public livery, buses, tow trucks, and delivery fleets a...

McGowan Excess & Casualty Educational - Schools Umbrella Insurance McGowan Excess & Casualty offers a focused Educational - Schools Umbrella Insurance program built for school systems, colleges, and other training organizations. As a managing general underwriter (MGU) with broad carrier access, McGowan provides excess and umbrella capacity to protect institutions from catastrophic liability that exceeds primary policy limits. The program is structured to handle the unique campus, extracurricular, and employment-related exposures that educational entities face across all 50 states and Washington, DC. Ideal Accounts and Appetite Eligible Classes: Public and private school districts Charter schools and multi-campus charter systems Colleges and universities Trade, vocational, and technical schools Miscellaneous training facilities This program is best for institutions that need high-limit liability protection above their primary policies. Typical fits include campus environments with significant athletic, student housing, transportation, or research exposures, as well as multi-campus charter organizations and regional training centers expanding operations. Coverage Highlights and Advantages Products Offered: Commercial umbrella liability Follow form excess liability Available Limits: Umbrella: From $1M up to $100M Excess: Additional layers available from $1M to $100M over lead umbrellas The program helps manage catastrophic risk from student activities, athletic events, campus transportation incidents, and employment practice claims. Follow form excess options preserve continuity with the underlying policies, simplifying layer structure and claims handling for brokers and insureds. Underwriting Notes and Carrier Requirements McGowan generally requires underlying carriers to carry an A- (or equivalent VII) rating or better. Exceptions for Employment Liability carriers may be considered based on the account’s overall risk profile and structure. Underwriting review focuses on loss history, risk management practices, student and staff exposures, and the quality of primary carriers to ensure alignment with participating markets. No formal minimum premium is listed; pricing is determined by account size, exposure profile, limits requested, and the underlying program structure. Territories and Availability This program is available in all 50 states and Washington, DC, 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, WV, WI, and WY. Why Work With McGowan Excess & Casualty McGowan brings deep experience placing complex liability layers and access to multiple excess/umbrella carriers that can write large limits—up to $100M. Their underwriting team understands the operational and legal exposures specific to educational institutions and works with brokers to structure layered programs that match the client’s risk profile and budget. McGowan’s flexibility and carrier relationships make them a strong option for difficult placements that need higher limits or tailored follow-form solutions. Example scenarios that often fit this program: A regional trade school expanding to multiple campuses that needs consistent umbrella limits across locations. A public university seeking large excess layers to address athletic events, student housing, and intercollegiate travel exposures. If you have an educational account—whether a growing charter network, a private college, or a vocational training center—McGowan can provide umbrella capacity and underwriting support to help you place the business. For more information on Educational - Schools Umbrella Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include school districts, charter schools, colleges, universities, trade schools, and training facilities that require higher liability limits than standard primary policies provide. What are the available policy limits?Umbrella limits begin at $1M and can be placed up to $100M. Excess layers can also be structured over lead umbrellas within the same range. Is this program available in all states?Yes. The Educational - Schools Umbrella Insurance program is offered in all 50 states and Washington, DC. What are the underwriting requirements for underlying carriers?Underlying carriers are typically expected to have an A- (or VII) rating. Exceptions for Employment Liability carriers may be made depending on the overall risk and program structure. Who should I contact to get a quote or submit an application?Please reach out to McGowan Excess & Casualty directly for submission guidelines and quoting assistance. Need help placing an account? Connect with a market specialist.

The IPMG Garage Insurance Program is designed with independent agents in mind. We understand the unique challenges you face when placing Garage risks, and our specialized team is here to support you every step of the way. Whether you're working with established clients or pursuing new business, our program offers the flexible underwriting, competitive markets, and expert service you need to succeed. Ideal Accounts and Appetite IPMG provides access to markets that can handle a wide range of garage-related operations. Our appetite includes, but is not limited to: Dealers Open Lot Heavy Vehicle Sales and Service Motorcycle and Off-Road Vehicle Dealers Salvage Yards Valet Parking Services If you're working with clients in these industries, we have the tools and carrier partnerships to help you place that business effectively. Coverage Highlights and Advantages Our Garage Insurance Program provides a broad range of coverages tailored to meet the risks of the automotive service and sales sector. With access to strong markets such as Colony and Catlin, we can offer competitive solutions for both standard and hard-to-place risks. Coverage options typically include: Garage Liability Garagekeepers Legal Liability Dealers Physical Damage Premises Liability Property and Inland Marine Please note that coverage availability and structure will vary based on account details and underwriting requirements. Underwriting Notes and Minimum Premiums Our Garage Insurance markets are available on a non-admitted basis, with some admitted options based on risk and state. The minimum premium starts at $500, making this an accessible solution for smaller accounts and start-ups as well as larger, more complex operations. We work closely with brokers to understand their clients' operations and find the right market fit—whether it’s a small used car dealer or a large commercial truck repair facility. Territories and Availability IPMG’s Garage Insurance Program is currently available in Illinois and Missouri. We are focused on serving agents in these regions with localized expertise and responsive support. Why Work With IPMG? Service is a top priority for the IPMG Garage Insurance team. Our trained professionals listen to your needs and offer solutions that support your client relationships. We value the strength of local partnerships and strive to enhance your existing book while helping you develop new opportunities. With IPMG, OUR markets are YOUR markets. Let us help you write more business and grow your Garage Insurance portfolio with confidence. Contact Matt Becker Surplus Lines Practice Leader 630-485-5952 [email protected] April Cook Brokerage Service Underwriter 314-293-9702 [email protected] Frequently Asked Questions What types of accounts are a good fit for IPMG's Garage Insurance program?We target a wide range of garage risks, including auto dealers, heavy vehicle service centers, motorcycle dealers, salvage yards, and valet services. Is the program admitted or non-admitted?Some admitted markets are available, but most of our Garage Insurance business is placed through non-admitted carriers. What is the minimum premium for this program?The minimum premium starts at $500, making it suitable for both small and mid-sized accounts. Which states is the program available in?This Garage Insurance program is currently available in Illinois and Missouri. Who can I contact for underwriting questions or submissions?You can reach out to Matt Becker or April Cook at the contact details listed above for assistance with submissions or underwriting inquiries. Need help placing an account? Connect with a market specialist.

COMMERCIAL AUTOMOBILE Overview of the Program From CMS, LLC When your direct markets fall short, CMS, LLC helps you place hard-to-place or underserved commercial auto risks. Backed by an A XII Best’s rated carrier and broad access to multiple markets, our Commercial Automobile Product provides flexible solutions for a wide range of transportation-related businesses. Whether you’re placing established fleets or new ventures, CMS offers tailored options and underwriting support to get your accounts bound quickly. Target Classes and Ideal Accounts This program writes a broad array of commercial auto exposures, including but not limited to: Non-emergency ambulette and medical transport services Limousine and chauffeur operations Airport and hotel shuttle operators Dump trucks, flatbed haulers, and oversized-load carriers Refuse haulers and mix-in transit vehicles Moving & storage companies Sand & gravel haulers Dry van fleets and motor truck cargo operators Special riggers and oversized load carriers Stand-alone auto physical damage (non-admitted placement available) While the core program is tailored to fleets of 10 units or more, CMS maintains additional market relationships to consider smaller fleets, single-unit operations, or brand-new businesses when appropriate. Coverage Highlights and Advantages Primary liability limits up to $1,000,000 CSL (select accounts considered up to $2,000,000) Vehicle physical damage capacity up to $25,000,000 Motor truck cargo limits customized to cargo type and exposure No maximum fleet size restrictions through available carriers Competitive commission structures offered to agency partners All new business submissions are accepted on standard ACORD applications. We combine rapid underwriting response with multi-market placement capabilities to help close business efficiently. Underwriting Notes The program’s core appetite favors fleets of 10 or more units; however, CMS leverages additional markets for smaller operations and single-unit risks. Each submission is evaluated on its own merits—complete ACORD applications, current loss runs, drivers’ MVRs, and vehicle schedules will speed review and placement. Territories and Availability This program is available in the following jurisdictions: AL, CA, CT, FL, GA, IL, KY, ME, MI, NH, NJ, NY, NC, PA, RI, SC, TN, TX, VT, VA, and DC. Why Work With CMS, LLC? CMS, LLC is a wholesale broker with deep commercial auto expertise and long-standing carrier relationships. Our strengths include multi-market access, flexible underwriting solutions for specialized exposures, and hands-on support to help agents place difficult accounts. We partner with agents to identify the best market for each risk rather than forcing one-size-fits-all placements. Example scenarios that fit the program: A regional sand-and-gravel hauler with a growing fleet that needs higher cargo limits and split liability/physical damage solutions. A newly launched non-emergency medical transport service seeking coverage for a small fleet while establishing safety and loss-control programs. Submission Contacts: Email: [email protected] or [email protected] Fax: (516) 799-8602 ACORD applications are acceptable. Let CMS put the pieces together for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for commercial auto accounts such as dump trucks, flatbed haulers, healthcare transport vehicles, limousines, cargo haulers, and other transportation-related businesses. We also review new ventures and smaller fleets through secondary markets. Is there a minimum fleet size requirement?The core program favors fleets of 10 units or more. That said, CMS has access to additional markets that can consider smaller operations and single-unit risks depending on the exposure and carrier appetite. Are ACORD applications accepted for submission?Yes. Please submit standard ACORD applications along with supporting documents (loss runs, driver MVRs, vehicle schedule) to expedite underwriting review. In which states is this program available?This program is available in AL, CA, CT, FL, GA, IL, KY, ME, MI, NH, NJ, NY, NC, PA, RI, SC, TN, TX, VT, VA, and DC. What are the available coverage limits?We offer primary liability limits up to $1,000,000 CSL (with select accounts considered up to $2,000,000), vehicle physical damage capacity up to $25,000,000, and motor truck cargo limits tailored to the type of cargo. Need help placing an account? Connect with a market specialist.