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Business Auto Insurance Coverage for a Wide Range of Classes Overview of the Program from Amwins Underwriting Amwins National Transportation Underwriters (part of the Amwins Underwriting Division) offers a targeted Business Auto Insurance program for both for-hire and not-for-hire operations. Our underwriting team focuses on trucking and transportation exposures and works with a panel of financially sound carriers to deliver practical, market-aware solutions for commercial auto risks. Ideal Accounts and Appetite The program has a broad appetite across many transportation-related classes. Typical accounts that fit well include: Armored cars Building material haulers Contractors (vehicle fleets supporting trades) Courier and distribution services (magazines, newspapers, wholesale/retail delivery) Cranes & boom trucks Dairies, food delivery and food trucks Driver training — auto, truck & tractor Escort vehicles and mobile offices Funeral operations Farmer vehicles Waste disposal (note: no landfill exposure) Classes not listed may still be considered on a case-by-case basis; reach out with details to confirm appetite. Coverage Highlights and Advantages Primary commercial auto liability and physical damage options tailored to trucking and specialty vehicle fleets. Available extensions commonly used by transportation accounts: hired/non-owned auto, trailer interchange, cargo coverage where appropriate, and medical payments/UM/UIM as allowed by the market. Access to multiple underwriting teams and carrier relationships through Amwins’ transportation platform, improving chances to place complex or specialty risks. Underwriters experienced in occupational and operational exposures typical to delivery, contractor, and fleet operations. Example Accounts A regional courier fleet with mixed package delivery vehicles and hired drivers that needs liability plus hired/non-owned auto protection. A contractor with building material haulers and several jobsite trucks seeking combined liability and physical damage coverage with flexible limits and deductible options. Underwriting Notes and Documentation Underwriting considers fleet composition, vehicle types, driver qualifications, loss history, and territory of operations. Common submission items: current loss runs, schedule of vehicles, driver lists/MVRs, and a description of operations and controls (especially for driver training or armored operations). Waste disposal accounts are evaluated only where there is no landfill exposure (as noted in appetite). Territories and Availability The program is available in most states. Current availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage form and admitted/non-admitted market placement may vary by state and by carrier. Why Place Business with Amwins Underwriting Specialized transportation underwriting expertise within a large wholesale platform. Relationships with multiple financially sound carriers to match coverage to account complexity. Practical placement approach for both standard and harder-to-place classes within the transportation and specialty fleet space. If you have a submission that fits the classes above — from single-vehicle food trucks to multi-unit contractor fleets — submit details and supporting documents so our underwriters can assess available options and provide a timely response. Frequently Asked Questions What types of accounts are a good fit for this Business Auto program?Accounts in trucking, delivery, contractor fleets, couriers, food trucks, driver training, cranes/boom trucks, armored cars, and similar specialty fleet operations are all typical fits. Waste disposal accounts are considered only when there is no landfill exposure. What submission information should I provide to get a quick decision?Include a current vehicle schedule, driver roster with MVRs or summary driver qualifications, three to five years of loss runs, a description of operations (routes, radius, cargo types), and any risk control measures in place. More complex accounts may need additional documentation. Is this program admitted or non-admitted?The program is underwritten with various financially sound carriers and may place business on either an admitted or non-admitted basis depending on the carrier and the state. Availability and form will depend on the account and jurisdiction. Are cargo and hired/non-owned coverages available?Yes — cargo and hired/non-owned auto coverages are commonly available through the panel, subject to carrier appetite, the cargo type, and specific underwriting review. How do I confirm state availability for a specific account?State availability can vary by carrier. Submit the account details and state(s) of operation and our underwriting team will confirm whether placement is possible in the required jurisdictions. Need help placing an account? Connect with a market specialist.

The Distel Group offers a robust Commercial Auto Insurance program tailored for trucks and specialized hauling operations. With broad coverage options and a strong appetite for niche transportation risks, this program gives agents the flexibility and strength they need to place hard-to-fit accounts. Whether you're helping a contractor with dump trucks or a hauler transporting construction materials, The Distel Group has solutions designed to meet your clients’ unique needs. Ideal Accounts and Appetite This program is ideal for a wide range of commercial auto exposures, including: Truckers for hire, with a radius of up to 500 miles (state-dependent) Garbage haulers and waste disposal services (excluding landfill operations) Dirt, sand, and gravel haulers Dump trucks and mix-in-transit vehicles Public livery such as taxis and limousines Buses for schools, churches, and nonprofits Social service fleets, including non-emergency medical transport Delivery operations—wholesale and retail Contractor fleets and tow trucks Auto dealers and more Please note: Risks involving ownership or operation of a landfill are not eligible. Coverage Highlights and Advantages Our Commercial Auto Insurance program offers a comprehensive range of coverages, including: Auto Liability, Physical Damage, Cargo, and Excess Auto—many available in all 50 states Primary Liability limits up to $1 million (up to $1.2 million for hazardous materials haulers in California) Excess Auto Liability up to $4 million excess of $1 million Buffer layer Auto Liability limits to help meet combined limit requirements State and regulatory filings provided For insureds purchasing Physical Damage coverage, our Special Coverages Endorsement includes: Down-time Loss Expense up to $3,600 Electronic Equipment coverage up to $5,000 Personal Effects coverage up to $2,500 Loan or Lease Gap coverage if the stated value equals or exceeds the financial obligation Towing expenses in addition to the stated limit Windshield repairs without a deductible Diminishing Deductible—reduced each loss-free year and eliminated after five years Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the specific class of business, coverage selections, and underwriting details. The program is underwritten on a non-admitted basis in most markets, allowing for flexibility in structuring policies to meet unique risk profiles. Territories and Availability This program is currently available in CT, ME, MA, NH, RI, and VT. Our extensive carrier relationships also allow us to support accounts in other states where eligible, depending on risk characteristics and regulatory requirements. Why Work With Joseph Distel & Co. Inc. As a Managing General Agency and E&S Lines Broker, Joseph Distel & Co. Inc. brings decades of experience and market access to transportation-related risks. Our deep understanding of commercial auto exposures—especially in niche hauling classes—makes us a valuable partner for agents placing complex or specialized accounts. We work with a variety of carriers to help you find the right fit for your client’s needs and provide responsive underwriting and service support. You might have a client operating a fleet of dump trucks for a local construction company or a regional hauler transporting gravel and sand. Our program is designed to cover these types of operations—giving you the tools to secure competitive, comprehensive coverage. Call The Distel Group today for all of your Commercial Auto Insurance needs! Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in trucking operations such as dump trucks, dirt/sand/gravel haulers, garbage haulers (non-landfill), and contractor fleets. Public livery, buses, tow trucks, and delivery fleets are also eligible. Are there any excluded risks?Yes, risks that own or operate a landfill are not eligible for this program. Other exclusions may apply based on underwriting review. Is the coverage available on an admitted or non-admitted basis?Most markets are non-admitted, offering flexibility in structuring policies for unique or hard-to-place risks. In which states is this program currently available?This program is available in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. What types of endorsements are included with Physical Damage coverage?Special endorsements include down-time expense, electronic equipment, personal effects, towing, windshield repair with no deductible, and a diminishing deductible feature. Need help placing an account? Connect with a market specialist.

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Insurance coverage for Underground Storage Tanks is becoming increasingly difficult to secure, especially as many carriers are choosing not to renew policies due to the age and condition of tanks. Under federal requirements, owners and operators of underground and aboveground storage tanks must demonstrate financial responsibility for corrective actions and third-party liability resulting from accidental releases. This includes bodily injury and property damage claims caused by leaks or spills. Comprehensive Coverage From Prime Insurance Company Prime Insurance Company offers a flexible and robust pollution liability solution for a wide range of tank exposures. Whether your insured operates a gas station, municipal fueling site, or agricultural facility, this program is designed to help you place hard-to-insure accounts with confidence. Ideal Accounts and Target Classes Prime is actively seeking risks across a variety of industries that own or operate aboveground or underground storage tanks. Target classes include: • Gas stations • Airports (aboveground or underground storage tanks) • Trucking companies (with their own gas or diesel tanks) • Governmental entities (municipalities, cities, or towns with fueling operations) • Agricultural risks (farms with on-site fuel tanks) • Heating oil distributors (with aboveground or underground tanks) This program is ideal for insureds who need coverage to meet federal or state financial responsibility requirements, or who are facing non-renewals due to tank age. Coverage Highlights and Features Prime’s policy offers broad protection for pollution-related exposures, including: • Sudden and accidental release coverage • Non-sudden accidental release coverage • Self-Insured Retention (SIR) options for third-party bodily injury/property damage—minimum $10K • Bodily injury/property damage deductible applies to state-mandated corrective action • Occurrence form available *Please note: This coverage excludes prior, existing, or ongoing leakage or contamination. Coverage is suspended during tank modifications, repairs, or replacement. All tanks must comply with state and federal regulations regarding filling and maintenance. Underwriting Notes Prime underwrites each submission individually, offering a flexible and responsive approach to tank-related risks. While there is no stated minimum premium, the SIR and deductible structures are designed to address high-risk exposures with competitive terms. Available Nationwide This program is available in all 50 states plus Washington, DC. Whether your client is in a rural agricultural area or a densely populated urban market, Prime can help you find a solution. Why Work With Prime Insurance Company? As a specialty carrier, Prime Insurance Company has the experience and flexibility to handle complex environmental and pollution-related risks. Their responsive underwriting, broad appetite, and willingness to look at challenging risks make them a strong partner in this difficult class of business. You’ll benefit from direct access to underwriters and a streamlined quoting process—often with same-day turnaround. You might have a client who owns a chain of gas stations and recently lost coverage due to aging tanks. Or a municipality that operates several fueling stations for its service vehicles. Prime can help you place these accounts when others won’t. To get started, visit Prime Insurance Company's CompleteMarkets profile or request a quote directly through the Underground Storage Tanks program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for gas stations, airports, trucking companies, municipalities, farms, and heating oil distributors with underground or aboveground storage tanks. Can older tanks still qualify for coverage?Yes, Prime considers older tanks, even when other carriers are non-renewing due to age. However, tanks must not have existing leakage or contamination and must meet regulatory compliance. Is coverage available in my state?Yes, this program is available in all 50 states and Washington, DC. Does the policy include coverage for both sudden and gradual pollution events?Yes, coverage is available for both sudden and non-sudden accidental releases, subject to terms and underwriting approval. How quickly can I get a quote?Prime offers same-day quoting in many cases. Submit a complete application and necessary tank information to expedite the process. Need help placing an account? Connect with a market specialist.

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