Excess Transportation Insurance
Overview — Excess Transportation Insurance from Transportation Risk Services
Transportation Risk Services (TRS) offers a focused Excess and Umbrella program for transportation fleets and specialty auto exposures. As an experienced managing general agency and wholesale broker, TRS places excess follow-form and umbrella limits for a broad range of truck, hazmat and specialty auto classes. Limits are available up to $5,000,000. This program is designed for retail agents and brokers seeking non-admitted/excess capacity and wholesale placement support.
Targeted Classes and Ideal Accounts
The program is targeted to common commercial transportation exposures and specialty fleets, including:
Truck for Hire
Local, intermediate, regional and long-haul truckers
Fleets up to 500 units
Hazmat
Gasoline hauling & distribution
Fuel oil hauling & distribution
LPG hauling & distribution
Fleets up to 500 units
Specialty Auto
Refuse haulers
Ready-mix operations
Moving & storage
Auto carriers
Contractor fleets
Sand & gravel operations
Delivery services and couriers
Fleets up to 500 units
Excluded classes: people haulers (bus, livery, taxi, ambulance), drive-away operations, hazardous chemical haulers and munitions.
Coverage Highlights and Advantages
Excess follow-form and umbrella solutions that mirror underlying terms to simplify placement and claims coordination.
Limits available up to $5,000,000 based on class and underwriting criteria.
Specialized appetite for fuel and LPG haulers as well as common specialty auto operations (refuse, ready-mix, auto carriers, moving).
Wholesale/MGA support from TRS with national experience in transportation placements and markets that understand fleet exposures.
Underwriting Notes and Minimum Premium
Underwriting is class-specific. Typical underlying requirements include:
Auto Liability (AL) — $1,000,000 CSL
General Liability (GL) — $1,000,000 / $1,000,000 / $1,000,000
Employers Liability (EL) — $500,000 / $500,000 / $500,000
Underlying carriers must generally carry an A.M. Best rating of A- or better.
Minimum premium: $5,000 (subject to underwriting).
Territories and Placement Status
This program is available through TRS in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, 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, WY. Placement is handled on a non-admitted / E&S basis (confirm state filing requirements with TRS on submission).
Submission and Service
Send excess transportation risks to
[email protected] for best consideration. TRS provides underwriting guidance, market broking and placement support for agents and brokers handling complex fleet and hazmat accounts.
Why Work With Transportation Risk Services
TRS is a transportation specialist with nationwide wholesale distribution and long experience placing auto liability excess and umbrella coverage for trucking and specialty fleets. Working with TRS gives you access to focused underwriting, markets that understand transportation exposures, and the ability to place larger excess limits for qualified accounts.
Example scenarios where this program fits:
You have a regional gasoline distributor with a 120-unit fleet that needs excess limits above a strong $1M primary program.
Your client operates a 40-truck refuse and recycling fleet seeking umbrella protection and excess follow-form placement with experienced transportation underwriting.
Transportation Risk Services (www.trsinsurance.com) is a leading transportation MGA and wholesale broker serving clients nationwide. TRS specializes in local, intermediate, long-haul and public automobile risks and offers a broad range of solutions including Auto Liability, General Liability, Physical Damage, Cargo, Garage, Contractor's Equipment, Warehouse Legal Liability, Umbrella, and Occupational Accident/Contingent Liability.
Send your Excess Transportation Insurance risks to
[email protected]
Frequently Asked Questions
What types of accounts are a good fit for this TRS excess program?Best fits include truck-for-hire fleets, fuel/gasoline/LPG haulers, and specialty auto operations like refuse, ready-mix, moving, auto carriers and delivery fleets — generally up to 500 units and with standard underlying protection.
What underlying limits and carrier quality are required?Typical underlying requirements are $1,000,000 CSL for auto, $1M/$1M/$1M for general liability, and $500K for employers liability. Underlying carriers are generally required to have an A.M. Best rating of A- or better.
What is the minimum premium and available excess limits?The program commonly carries a minimum premium of $5,000. Excess limits are available up to $5,000,000 subject to underwriting and class eligibility.
Which states is the program available in and is it admitted?TRS places this excess program across a broad set of states (listed in the program materials). It is handled on a non-admitted / excess & surplus basis, so confirm state filing and producer requirements on submission.
How should I submit an account for consideration?Provide complete loss runs, current policy forms and limits, a vehicle schedule, and a description of operations when you submit — this helps TRS underwrite efficiently and identify appropriate excess markets.
Need help placing an account? Connect with a market specialist.