https://completemarkets.com/company/usrisk/transportation-and-trucking-coverage/
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.