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Amwins National Transportation Underwriters offers deep industry expertise and broad market access that spans all corners of the commercial auto market. Overview of the Program from Amwins Underwriting Amwins Underwriting’s Local/Long Haul Trucking program provides agents with flexible placement options for owner-operators up through large fleets. The program is built around transportation-focused underwriting, multiple coverage parts, and access to a variety of admitted and non-admitted capacity. Use this program when you need tailored commercial auto solutions that include liability, physical damage, cargo, and ancillary coverages designed for both short-haul local operations and regulated long-haul exposures. Ideal Accounts and Appetite Owner-operators and single power-unit accounts (including passenger accident options) Regional and national motor carriers with mixed local/long-haul operations For-hire carriers, private fleets, and dedicated account operations Dry van, refrigerated, flatbed, and select specialized haulers (depending on underwriting) Typical risks that fit this program have formal driver hiring and safety policies, regular maintenance records, and clear cargo handling controls. Accounts with high loss frequency, severe CSA history, or unusual hazardous cargo should be submitted with full loss runs and underwriting notes and may require specialty capacity. Coverage Highlights and Advantages Primary Auto Liability — tailored limits for both local and long-haul exposures Non-Trucking Liability — coverage for owner-operators when equipment is used off-hire Physical Damage — comprehensive and collision options for power units and trailers Motor Truck Cargo — coverage for common carrier and contract carrier exposures General Liability and Excess Liability — layered solutions to protect overall risk Occupational Accident and Passenger Accident Insurance — options for different driver classifications and passenger exposures By packaging multiple parts through Amwins, you can present insureds with coordinated limits and consistent underwriting across liability, cargo and physical damage — a benefit for accounts with mixed operations or multiple vehicle types. Underwriting Notes and Minimum Premiums Underwrites consider fleet size, driving history and CSA performance, cargo types, radius of operations, and loss control practices. Expect to submit a completed application, recent loss runs, MVRs, and vehicle schedules for most submissions. Minimum premiums and pricing vary by carrier and underlying capacity; discuss market options with your Amwins contact or consult the program’s market availability link below for current appetite and delegated authorities. Territories and Availability This program places trucking business in the following states: 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, WY. Availability may vary by state and by carrier appetite. For the latest market availability and specific state restrictions, see Amwins transportation capabilities. Why Work with Amwins Underwriting on Local/Long Haul Trucking Transportation-focused underwriting teams with broad carrier relationships provide placement options across admitted and non-admitted markets. Ability to combine multiple coverage parts (liability, physical damage, cargo, excess) for cleaner presentations and more complete offers to clients. Scalable appetite — from single-unit owner-operators to multi-state fleets. Access to specialized coverages like occupational and passenger accident for driver and passenger exposures. Example Accounts A regional dry-van carrier with 25 power units that needs primary liability, physical damage, and motor truck cargo limits coordinated under one program. An owner-operator who leases to multiple brokers and requires non-trucking liability plus occupational accident options — ideal for single power-unit submissions. Submission Tips for Agents Include current loss runs (three years preferred), MVRs, vehicle schedules, and details on cargo and routes. Document safety programs, drug testing, and maintenance logs to improve placement chances and pricing. When possible, provide a summary of CSA history and any remedial actions taken for prior violations. Frequently Asked Questions What types of trucking accounts are a good fit for this Amwins program?This program fits owner-operators, local delivery operations, regional haulers, and national fleets that need coordinated liability, cargo, and physical damage coverage. Accounts with clear safety programs and standard cargo types (dry van, reefer, flatbed) are the best fit. Which coverage parts can I package through Amwins Underwriting?You can assemble primary auto liability, non-trucking liability, physical damage, motor truck cargo, general liability, excess liability, and occupational/passenger accident coverages depending on the account and available markets. Are placements admitted or non-admitted?Amwins works with a mix of admitted and non-admitted carriers to provide placement flexibility. Specific admitted status depends on the carrier selected and state regulations for the risk. What documents should I include with a submission?Provide a completed application, recent loss runs (typically 3 years), vehicle schedules, driver MVRs or summaries, CSA information, and details on cargo, routes, and safety programs to expedite underwriting. Where can I find current market availability?Refer to the program’s market availability page at the link above for the latest carrier appetites, state restrictions, and delegated authority details. Need help placing an account? Connect with a market specialist.

Liquor Liability Insurance For more than 25 years, Axiom Insurance Managers Agency, LLC has administered specialized liquor liability programs for the hospitality and retail alcohol sectors. As a program administrator, Axiom partners with experienced non-admitted carriers (A.M. Best A XV) to provide flexible, market-focused solutions for accounts that sell, serve, or distribute alcoholic beverages. Our underwriting is designed to address the operational, legal, and risk-management nuances of bars, restaurants, package stores, and specialty beverage venues so you can place accounts others may decline. Ideal Accounts and Appetite This program targets businesses where alcohol is a primary or significant part of operations. Typical classes we place include: Neighborhood bars, taverns, lounges, and cocktail bars Adult entertainment venues, cabarets, and gentlemen’s clubs Comedy clubs, jazz clubs, and dance/nightlife venues Liquor stores, convenience stores, and grocery stores with alcohol sales Wineries, wine bars, microbreweries, and upscale spirits bars Country clubs, fraternal organizations, and hospitality venues with on-site service Wholesale distributors and specialty beverage retailers Incidental exposures related to hospitality, gaming, retail, and habitational operations can be considered when tied to a primary liquor-related operation. Ineligible accounts typically include stadiums and arenas, college fraternities/sororities, venues with contact sports or high-hazard activities (e.g., pyrotechnics, stunts), and liquor manufacturers. Coverage Highlights and Advantages Axiom’s program offers a package of liability products tailored to liquor exposures, with optional enhancements that help agents assemble comprehensive placements: General Liability: $1M per occurrence / $3M aggregate Liquor Liability: $1M each common cause / $2M aggregate (per-location aggregates apply) Umbrella/Excess: Limits available up to $10M Optional coverages include property, business income, food and beverage spoilage, and assault & battery options (excluded, silent, sublimited, or full up to the GL limit). Additional enhancements available through the program include defense outside the limits, combined single limit wording, hired & non-owned auto liability, valet liability, equipment breakdown, and employment practices liability. Underwriting Notes and Minimum Premiums To obtain competitive terms, submit a complete package. Required materials include: Fully completed and signed ACORD applications 3–5 years of currently valued loss runs or a signed no-loss statement A completed supplemental application (Axiom’s or another carrier’s) Target pricing or expiring premium details The program generally requires a minimum annual revenue of $250,000 and a minimum premium starting at $2,500. A thorough submission helps underwriters evaluate mitigations (security, training, ID checks, incident logs) that can improve terms. Territories and Availability This Liquor Liability program is offered on a non-admitted basis through A.M. Best A XV rated carriers and is available in most U.S. states, including the District of Columbia. Direct bill and premium financing options are available. States available: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. Why Work With Axiom Insurance Managers Agency Axiom combines deep hospitality underwriting experience with market access to places hard-to-place liquor accounts. We work closely with agents to evaluate exposures, suggest risk controls, and structure terms that align with the insured’s operations. Because we operate as a program administrator, we can be flexible on wording and optional coverages while relying on stable carrier relationships. Example account scenarios you can place through this program: A rapidly growing wine bar with curated tastings, modest food service, and a documented server training program seeking liability and liquor limits with an umbrella. A chain of neighborhood liquor stores with valid ID procedures, loss runs showing minimal liquor-related incidents, and interest in combined GL/liquor liability wording. If you need help assembling a submission or confirming state availability, connect with a market specialist: Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for businesses that sell or serve alcohol as a core activity—bars, clubs, liquor stores, wineries, and similar retail or hospitality operations. Are incidental risks like gaming or hospitality eligible?Yes. Incidental exposures tied to a primary liquor operation—such as limited gaming, small event hosting, or attached food service—can be considered on a case-by-case basis. Is this program available in all states?The program is available in most U.S. states, including the District of Columbia. Availability may vary by state—confirm with Axiom before submitting. What is the minimum premium for this program?Minimums typically start at $2,500, and a minimum revenue threshold of $250,000 is generally required for eligible accounts. What submission materials are required?Provide a signed ACORD, 3–5 years of loss runs (or a no-loss statement), a supplemental application, and target or expiring premium details to help secure the best terms. Need help placing an account? Connect with a market specialist.

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