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Commercial Auto Liability Insurance Transportation Risk Services (TRS) offers a focused Commercial Auto Liability Insurance program for retail agents and brokers placing transportation-related risks. As a Managing General Agency and Excess & Surplus Lines broker, TRS provides access to both admitted and non-admitted paper through an A+ (Superior) rated carrier, giving you underwriting flexibility and financial strength across a broad range of accounts. Ideal Accounts and Appetite TRS places both standard and hard-to-place commercial auto liability risks. The program fits a wide range of transportation classes, including: Contractor fleets New ventures with well-documented business plans Cement mixers and building materials dealers Courier and delivery services (parcels & documents) Container haulers and sand & gravel haulers Ambulance services (emergency and non-emergency) Hotel/motel courtesy vans and airport shuttles Taxis, limousines, and party buses (no stripper poles) Local and intermediate trucking (up to 500 miles) Selective long-haul fleets (over 40 units) TRS also evaluates niche transportation segments such as prisoner transport, garbage hauling, Drive Away & Toters, and selective fuel haulers. If you have a specialized risk, submit the details—TRS can often find creative placements. Coverage Highlights and Advantages The program offers flexible underwriting supported by an A+ rated carrier. Coverage can be placed on admitted paper in most states and non-admitted where required. Policies are structured to address operational exposures common to trucking, public auto, and specialty transport operations—liability limits, tailored endorsements, and layered programs are available as appropriate. Beyond Auto Liability, TRS can help place related products including Physical Damage, Cargo, General Liability, Garage, Contractor’s Equipment, Warehouse Legal Liability, Umbrella, and Occupational Accident/Contingent Liability. Underwriting Notes and Minimum Premiums The minimum premium for this program is $50,000, so it is best suited for mid-sized to large accounts that need comprehensive liability protection. TRS will consider new ventures that present a solid operating plan and favorable underwriting factors. Accounts with limited prior coverage history may be acceptable if safety controls, loss control programs, and management practices are strong. Unacceptable Risks To preserve underwriting integrity, the following classes are not eligible: Non-owned employee staffing Uber and rideshare services Individual trip risks Visiting nurse services Franchised auto dealers Pizza or fast food delivery Railroad employee transportation Risks with hydraulic fracturing exposure If you are unsure whether a specific class is eligible, contact TRS for clarification. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, GA, and PA. TRS serves clients nationwide and can place risks in the 48 contiguous states plus AK, HI, and DC, using admitted or non-admitted paper as appropriate. Why Work With Transportation Risk Services Based in Barrington, IL, TRS is a niche MGA and wholesale broker with deep relationships in the trucking and public auto markets. Agents benefit from TRS’s underwriting expertise, market access, and experience structuring layered and specialty programs. TRS provides practical guidance on exposures, loss-control expectations, and submissions to help get challenging accounts placed. Example scenarios where this program performs well: You have a regional contractor fleet of mixed-use trucks with solid safety programs seeking high-limit liability and physical damage options. An ambulance operator expanding into non-emergency medical transport needs combined auto liability and occupational accident solutions and has a detailed training and maintenance plan. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto Liability program?This program is ideal for contractor fleets, local and intermediate trucking, delivery services, ambulances, taxis, limos, and selective long-haul fleets with more than 40 units. Is this program available to new ventures?Yes. TRS will consider new ventures that present strong business plans, effective safety programs, and sound operational controls. Each submission is reviewed on its merits. What is the minimum premium for this program?Minimum premium starts at $50,000, making the program suitable for mid-sized and larger commercial auto accounts requiring substantive liability limits and coverages. What types of risks are not eligible for this program?Unacceptable risks include Uber/rideshare services, fast food delivery, franchised dealers, visiting nurse services, non-owned employee staffing, and accounts with hydraulic fracturing exposure. In which states is this program offered?TRS offers this program in most states across the U.S., with admitted options where available and non-admitted placements where necessary. Need help placing an account? Connect with a market specialist.

Capitol Special Risks brings deep expertise and market access to help you place your Allied Medical Insurance risks. Just as your clients tailor care to their patients, we tailor coverage to match their evolving risk exposures. Our Allied Medical program is designed to provide flexible, comprehensive solutions for a wide range of non-emergency and alternative healthcare providers. Ideal Accounts and Target Classes We specialize in hard-to-place and niche Allied Medical accounts. Our program is a great fit for healthcare organizations that may fall outside of standard markets due to their size, services, or structure. Below are common target classes we work with: AIDS Foundations & Organizations Alternative & Complementary Medicine Practices Behavioral Health Providers Cord Blood & Stem Cell Banks Correctional/Prison Healthcare Facilities Drug & Alcohol Rehabilitation Centers Drug Testing Clinics Healthcare Staffing Agencies Home Health & Hospice (Inpatient & Outpatient) Humanitarian Medical Relief Groups Medi-Spas Nutraceutical & Supplement Manufacturers Organ & Tissue Procurement and Processing Whether your client operates a mobile addiction counseling service or a medi-spa offering wellness therapies, we can help you secure the appropriate coverage. Coverage Highlights We offer a wide range of coverages to address both professional liability and general exposures. Available coverages through our Allied Medical program include: Medical Malpractice General Liability (Casualty) Employment Practices Liability Insurance (EPLI) Other ancillary coverages available depending on risk profile Coverage terms can be customized based on the services offered by the insured, with options for admitted and non-admitted placements in select states. Underwriting Information and Minimum Premiums Minimum premiums vary by class and exposure. We provide fast turnaround on submissions and do not charge broker fees. Underwriting is handled by experienced professionals who understand the nuances of the Allied Medical sector. We welcome submissions for both new ventures and established operations, including those with challenging risk profiles or prior claims. Available States This program is available in most U.S. states, including but not limited to: 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, WV, WI, WY. Admitted options are available in some states. Contact our team for state-specific availability. Why Work With Capitol Special Risks? As a trusted wholesale broker, Capitol Special Risks has longstanding relationships with multiple carriers and a strong track record of placing complex Allied Medical risks. We offer: Access to multiple markets for competitive quotes Expertise in niche and emerging medical sectors Quick turnaround on quotes and responsive service No broker fees—maximize your client’s premium dollars Partner with us to help your clients stay protected in an evolving healthcare environment. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for non-emergency healthcare providers such as behavioral health clinics, home health agencies, medi-spas, and rehab facilities—especially those that may not fit standard markets. Are start-up healthcare businesses eligible for coverage?Yes, we consider new ventures and start-ups, provided they meet basic underwriting criteria. Prior experience and licensing are typically required. What coverages are included or available?Available coverages include Medical Malpractice, General Liability (Casualty), and EPLI. Additional options may be offered depending on the risk profile. Do you offer admitted and non-admitted options?Yes, admitted coverage is available in some states. We also offer non-admitted options through multiple carrier partners. Is there a broker fee?No, Capitol Special Risks does not charge a broker fee for this program. Need help placing an account? Connect with a market specialist.