https://completemarkets.com/company/Amwinsunderwriting/Workers-Compensation-Transportation/
Workers' Compensation Solution for the Transportation Industry
Overview — Amwins Underwriting: Workers' Compensation - Transportation
Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator. The ASCS Trucking Program offers a consolidated solution that can cover a motor carrier’s full work-related injury exposure for employees and independent contractors. The program combines fleet workers’ compensation, occupational accident, contingent liability and corporate workers’ compensation into a single, streamlined placement. Coverage is provided through an A- XI rated carrier, with claims handled by industry specialists experienced in transportation losses.
Ideal accounts and target classes
Trucking operations—predominantly long-haul fleets, including auto transport, moving & storage, flatbed haulers, and refuse haulers
Couriers and delivery services, including last-mile carriers that work with major platforms
Bus companies (passenger transit and charter operations)
Insureds in business for at least three years with an established safety program and full-time safety director
Coverage highlights and advantages
Single-program approach: places multiple related exposures (employee WC, occupational accident, contingent liability, corporate WC) together for consistent handling and policy terms
Specialized claims handling through transportation-focused adjusters and teams
Capacity with an A- XI rated carrier backing the program
Flexible structure to address both employee and contractor exposures typical in transportation operations
Underwriting notes and minimum premium
The program generally targets established transportation operations with documented safety controls and satisfactory Department of Transportation (DOT) ratings. Minimum premium is $50,000; there is no stated maximum premium. Typical factors underwriters will review include loss history, driver hiring and monitoring practices, hours of service compliance, and whether a dedicated safety director is in place.
Excluded operations: hazardous exposures such as gas hauling, explosives, liquid chemicals, or anhydrous ammonia are not accepted.
Territories and availability
This program is available in the following jurisdictions: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. It is positioned as a non-admitted placement (wholesale MGA capacity) to give broader flexibility where appropriate.
Why place transportation accounts with Amwins Underwriting
Underwriting expertise focused on specialty transportation risks and complex contractor/employee exposures
Program structure that reduces the need to stack separate policies across multiple carriers
Claims handled by specialists who understand transportation industry loss patterns, which can improve recovery and control costs
Responsive wholesale support for agents placing larger or complex transportation risks
Example accounts that frequently fit
A regional long-haul trucking fleet with a dedicated safety director, three years in business, and a satisfactory DOT rating seeking a single program to cover employee and contractor injuries.
A last-mile courier operation with mixed employee and independent-contractor drivers looking to consolidate occupational accident and contingent liability exposures into one placement.
Interested in more detail? Visit the program page on the Amwins site: https://www.amwins.com/products/workers-compensation---transportation.
Frequently Asked Questions
What types of transportation accounts are a good fit for this program?Accounts that typically fit are established motor carriers and delivery operations with at least three years in business, a satisfactory DOT rating, and a full-time safety director. Long-haul trucking, flatbed and auto transport, moving & storage, refuse haulers, couriers/delivery services, and bus companies are core targets.
Does the program cover independent contractors as well as employees?Yes. The program is designed to address both employee workers’ compensation and occupational accident coverage for independent contractors, along with contingent liability and corporate workers’ compensation components, all within one placement.
What are the key underwriting requirements agents should prepare for?Underwriters will request at minimum: three years of loss history, DOT safety records, evidence of a safety program (including a full-time safety director), driver hiring and monitoring procedures, and details on operations to confirm no excluded hazardous exposures.
What is the minimum premium and how is territory handled?Minimum premium for the program is $50,000. The program is available in the states listed on this storefront and is written through an admitted A- XI rated carrier as part of the Amwins underwriting platform; placement is typically handled on a wholesale/MGA basis to provide flexibility for larger or complex risks.
Need help placing an account? Connect with a market specialist.