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...ou can defend your business from financial loss and unforeseen disasters with ...from a company you can trust. WORKERS' COMPENSATION POLICY - Provides coverage to e...

...(Excellent) rated carrier with a Financial Size Category rating of XV Dedu...

Overview — Restaurants Workers Compensation Insurance from U.S. Ris..., WV, WI. Why place restaurant workers' comp with U.S. Risk Manag...

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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.

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U.S. Risk Underwriters has the markets and expertise to help you place coverage for your Title Agent accounts. With a dedicated in-house underwriting team and access to top-rated markets, U.S. Risk Insurance Group, Inc. offers a national Title Agents Errors & Omissions (E&O) program designed to protect professionals in the title industry. Our specialists provide responsive service and fast turnaround on quotes, helping you meet your clients' needs efficiently. This program is written through an A+ XV rated carrier and is available in most states across the U.S. It features low minimum premiums starting at $2,500 and competitive rates structured to support agencies of all sizes. Ideal Insureds Include: Title Insurance Agents Escrow Agents Title Abstractors Title Searchers Closing Agents Notary Publics Whether your client is a solo notary or a multi-state title agency, this program is designed to address the professional liability exposures unique to their operations. You might have a client who conducts real estate closings and manages escrow accounts—this program can help protect them from claims arising from errors, omissions, or disciplinary actions. Coverage Features: • Prior Acts coverage available • Independent contractor coverage available • Supplemental coverage for disciplinary proceedings • No minimum revenue requirements • Claims expenses included within the limit of liability Limits and Deductibles: • Limits from $100,000 to $1,000,000 per claim and in the aggregate • Deductibles starting at $5,000, applying to both damages and claims expenses Program Availability: U.S. Risk offers this program nationwide in most markets, 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. Why Partner With U.S. Risk: As a leading program administrator, U.S. Risk Underwriters brings deep expertise and strong carrier relationships to the table. Our team is focused on helping independent agents like you successfully place E&O coverage for title professionals, offering you dependable underwriting, consistent communication, and access to competitive products. Frequently Asked Questions What types of accounts are a good fit for this Title Agents E&O program?This program is ideal for title insurance agents, escrow agents, abstractors, title searchers, closing agents, and notaries. Both small and mid-sized firms are eligible, including those using independent contractors. Is prior acts coverage available?Yes, prior acts coverage can be included, subject to underwriting review and approval. Are there revenue restrictions for eligibility?No, this program does not impose minimum revenue requirements, making it accessible for smaller operations as well as larger agencies. What are the minimum premium and deductible requirements?The minimum premium starts at $2,500, with deductibles beginning at $5,000. These apply to both damages and claims expenses. In which states is this program available?The Title Agents E&O program is available in most U.S. states. Please contact U.S. Risk for availability in specific jurisdictions. Need help placing an account? Connect with a market specialist.

U.S. Risk Insurance Group, Inc. – Home Inspectors E&O Insurance Program Overview of the Program From U.S. Risk U.S. Risk Insurance Group, Inc. offers a comprehensive Errors and Omissions (E&O) insurance program tailored specifically for home inspectors. This solution is designed to help insurance agents and brokers place coverage for clients involved in a wide range of residential and commercial property inspections. With flexible underwriting, broad coverage options, and availability in all 50 states, this program is ideal for both independent inspectors and larger inspection firms. Ideal Accounts and Appetite This program is ideal for licensed and experienced home inspectors who perform various types of inspections, including: Residential and commercial property inspections Code compliance inspections Insurance and loss control surveys Pool and spa inspections Septic tank inspections Wood-destroying insect/organism inspections Radon and lead detection and reporting You may have a client who recently launched an inspection business or a seasoned professional expanding into specialized inspection services. This program can accommodate both scenarios, including prior acts coverage when needed. Coverage Highlights and Advantages Key features of this E&O program include: Defense outside the limit option available Limits ranging from $100,000 to $5,000,000 Minimum premium starting at $1,250 Minimum deductible of $1,000 Free certificates of insurance Prior acts coverage available General liability coverage available as an add-on Coverage for contingent bodily injury and property damage Referring agencies can be added as additional insureds Flexible binding options — can bind using other carrier applications This program goes beyond basic E&O protection by also including coverage for high-risk exposures like radon and lead detection, as well as wood-destroying insect inspections — areas where many standard policies exclude or limit coverage. Underwriting Notes and Minimum Premiums The program is underwritten with a minimum premium of $1,250 and a minimum deductible of $1,000. U.S. Risk offers flexibility in using other carrier applications, expediting the process for agents with clients ready to bind coverage. Defense outside the limits is also available, adding further value to this offering for more complex or high-risk inspection businesses. Territories and Availability This program is available in all 50 states, including the District of Columbia. Whether your client is a solo inspector in a rural area or a multi-state operation, U.S. Risk can provide scalable solutions that comply with local standards and industry best practices. Most available markets are admitted, depending on the specific state and risk profile. Why Work With U.S. Risk on This Business U.S. Risk Insurance Group, Inc. brings deep expertise in niche professional liability programs and works with a variety of carriers to offer flexible, competitive solutions. Their home inspector E&O program is backed by responsive service, quick turnaround, and the ability to accommodate a broad range of inspection specialties. As a trusted partner to independent agents across the country, U.S. Risk makes it easier to place and service this specialized line of business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed home inspectors performing residential or commercial inspections, including specialized services like radon detection, septic inspections, and insect evaluations. Is prior acts coverage available?Yes, prior acts coverage is available for qualified risks, helping protect inspectors with existing exposure from previous work. Can I use another carrier’s application to submit business?Yes, U.S. Risk can bind and issue policies using applications from other carriers, making the submission process more convenient for agents. Is general liability available with this E&O coverage?Yes, general liability coverage can be added to the E&O policy, providing broader protection for your client’s business operations. What is the minimum premium for this program?The minimum premium starts at $1,250, with deductibles beginning at $1,000. Premiums may vary based on limits and risk profile. Need help placing an account? Connect with a market specialist.