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Transportation and Trucking Coverage from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a Transportation and Trucking Coverage program tailored for commercial auto operations that need wholesale, Excess & Surplus (E&S) solutions. Through access to an A.M. Best–rated A+ (Superior) FSC XV E&S carrier and other markets, we place complex or hard-to-place trucking risks that may not fit standard admitted carriers. This program is designed for agents and brokers who need capacity, flexible underwriting, and solutions for unique fleet exposures. Ideal Accounts and Appetite We write a wide range of for-hire and private fleets. Typical classes include: Contractor fleets Cement mixers and sand & gravel haulers Patrol and security companies Parcel and document delivery services Container haulers and building materials dealers Hotel and motel courtesy vans Airport shuttles and taxis Ambulances (emergency and non-emergency) Selective long-haul fleets (40+ units) Local trucking operations (up to a ~500-mile radius) Garbage and recycling haulers Select fuel haulers We also consider many other classes—contact us with specific operations that may appear outside typical appetite. Coverage Highlights and Advantages This program balances capacity with flexible underwriting to serve both standard and specialty exposures: Primary commercial auto liability and physical damage coverage Underwriting flexibility for complex operations and unique exposures Capacity for large fleets and regional trucking programs Options for sizable deductibles and Self-Insured Retentions (SIRs) Non-admitted/E&S market advantages for risks not eligible for admitted markets Underwriting Notes and Minimum Premiums We focus on accounts that may not fit standard carriers due to fleet size, operational complexity, or higher risk profiles. The program’s typical minimum premium begins at $35,000, so it is best suited for mid-size to large fleets or operations with elevated exposures. Underwriting emphasizes vehicle count, radius of operation, cargo type, driver selection and training, loss history, and safety controls. Examples of good fits: An independent contractor fleet of mixed heavy equipment and dump trucks operating regionally with a strong safety program but large aggregate limits needs E&S capacity and SIR options. A municipal solid-waste hauler with multiple routes across state lines requiring primary liability and physical damage limits not available in standard markets. Territories and Availability This program is available in most U.S. states, 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, DC, WV, WI, and WY. Availability may vary by state and specific risk characteristics—confirm with underwriting for state-specific terms. Why Work with U.S. Risk Insurance Group? As an experienced E&S broker, U.S. Risk combines deep carrier relationships with hands-on underwriting expertise in transportation and trucking. We move quickly on submissions, structure programs with flexible retentions and limits, and help place accounts that require non-standard solutions. If you have a trucking client who can’t get acceptable terms in admitted markets—or who needs larger deductibles, SIRs, or specialty coverage—we can help you find workable options. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mid-size to large transportation fleets, especially those involved in local or selective long-haul trucking, delivery, or specialized hauling (for example, fuel, cement, or garbage haulers). Is this program available nationwide?Yes. The program is available in most U.S. states, including major transportation hubs such as TX, CA, FL, IL, and NY. State availability may vary by risk; confirm with underwriting. What is the minimum premium for this coverage?The typical minimum premium starts at $35,000. Accounts with very large fleets or unique exposures may require higher premiums or additional underwriting information. Can you write accounts with high deductibles or SIRs?Yes. We have appetite for accounts with large deductibles or Self-Insured Retentions, particularly for experienced operators with strong safety programs and loss control measures. Do you offer coverage for emergency service vehicles?Yes. We can provide coverage for ambulances (emergency and non-emergency) and other specialized vehicles such as taxis and courtesy vans, subject to underwriting review. Need help placing an account? Connect with a market specialist.

...gage brokers and bankers Home inspectors and field investigators Land surv...appraisers, mortgage brokers, home inspectors, surveyors, and radon testers ar...

...policy limits available Excess/umbrella limits up to $25,000,000 Included ...verage at policy limits, and excess/umbrella up to $25,000,000. Property, equi...

...5,000 limit—Included. Excess / Umbrella capacity up to $25,000,000 to broade...ccurrence and aggregate, and excess/umbrella capacity up to $25,000,000. Prope...

UPA, offered through U.S. Risk Insurance Group, is a specialized market for placing workers’ compensation coverage for clients in the hospitality industry. Built for hotels, restaurants, resorts and related operations, this program pairs tailored underwriting with access to financially strong carriers and responsive service. Whether you represent a single-location boutique hotel or a multi-state resort group, UPA helps you secure appropriate coverage while supporting long-term risk management and claims cost control. Ideal Accounts and Appetite Hotels – including premier full-service and boutique properties Resorts and spas Bed and breakfasts Restaurants and casinos This program fits both single-location operations and multi-location, multi-state portfolios. UPA will consider accounts coming out of PEO arrangements and risks with elevated experience modification factors, which makes it a flexible option for brokers handling challenging or transitional accounts. Coverage Highlights and Advantages Monoline workers’ compensation solution focused on hospitality exposures UPAY-As-You-Go premium payment option to improve client cash flow Placement with A-rated carriers that have national reach Loss control resources — manuals, safety tips and operational checklists tailored to hospitality Experienced claims handling focused on reducing total claim costs and return-to-work outcomes UPA is positioned to give your clients more than a policy — it is a program that supports safer workplaces, stabilizes workers’ comp costs, and helps control frequency and severity over time. Underwriting Notes and Submission Requirements Multi-location and multi-state risks are welcome Accounts with higher experience mods and PEO exits are considered To submit a risk, include: Completed ACORD application 3–5 years of currently valued loss runs Mod worksheet and large account supplemental for risks with over $75,000 in annual premium Territories and Availability Available in all 50 states and Washington, DC. UPA leverages national carrier relationships to place single-state and multi-state programs. Why Work With U.S. Risk on Hospitality Workers' Comp? U.S. Risk Insurance Group is a wholesale broker with deep hospitality expertise. Through UPA you get a dedicated underwriting team, flexible guidelines for complex loss histories, and practical loss control support designed for hospitality operations. Example scenarios where UPA is a strong fit: A regional boutique hotel chain seeking consistent compensation terms across three states while improving workplace safety programs. A restaurant group transitioning off a PEO with a higher mod factor that needs access to A-rated capacity and targeted loss control. If you need help placing an account or want guidance on submission strategy, connect with a U.S. Risk market specialist who knows hospitality workers' comp. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, resorts, spas, restaurants, casinos, and other hospitality-related businesses, including multi-location and multi-state operations. Can I submit accounts with high experience mods?Yes, UPA can consider accounts with higher experience mods, including those emerging from PEO arrangements or with challenging loss histories. What documents are required to submit a risk?Submissions should include a completed ACORD application, 3–5 years of currently valued loss runs, and a mod worksheet with a large account supplemental if premium exceeds $75,000 annually. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, DC, with access to national A-rated carriers. What are the key benefits for my hospitality clients?Clients benefit from strong carrier options, loss control support, flexible payment options like UPAY-As-You-Go, and proactive claims handling. Need help placing an account? Connect with a market specialist.