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Frozen food and produce haulers face a distinct set of risks... a good fit for this Frozen Foods or Produce Insurance program?Accounts that c...

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Auto and Trucking Workers' Compensation Program from Phoenix Risk Management Phoenix Risk Management offers a specialized Workers' Compensation program tailored to meet the needs of clients in the auto and trucking industries. Designed for insureds with existing coverage and a minimum of two years in business, this guaranteed cost program is available for a wide range of general classes while accommodating new ventures and risks with prior coverage lapses. As a Managing General Agency and Excess & Surplus Lines Broker, Phoenix Risk Management brings access to multiple carrier options, ensuring flexibility and customization for your clients' unique risk profiles. Whether you're placing business for a local delivery fleet or a regional long-haul trucking operation, this program helps address the complex injury and liability exposures these businesses face. Ideal Accounts and Appetite This program is well-suited for businesses in the auto and trucking sectors, including: Local and regional trucking companies Auto repair and service shops with fleet operations Transport and delivery businesses with commercial drivers New ventures in trucking or auto-related fields Accounts with gaps in prior workers' comp coverage You might have a client who recently launched a freight delivery business and is looking for their first Workers' Compensation policy or a company that had a lapse but now needs coverage to meet contractual or regulatory demands—this program may be a strong fit. Coverage Highlights and Advantages Phoenix Risk Management’s Workers' Compensation program offers: Guaranteed cost coverage for predictable premium planning Flexibility for new ventures and businesses with prior coverage lapses Access to multiple carriers for broader underwriting options Support for insureds with moderate to complex operational risks Claims handling and underwriting services are provided through experienced partners who understand the nuances of transportation and auto-related risks. Underwriting Requirements and Minimum Premiums The minimum premium for this program starts at $1,500.00. To obtain a quote, agents must submit: A completed ACORD Application (with FEIN), signed and dated A completed PRM Supplemental Application, signed and dated For the best quote, also include: At least 4 years (preferably 5) of currently valued Loss Runs (within 90 days of effective date) 4 years of aggregate payroll data Current Experience Mod (X-Mod) Worksheet, if available Detailed reports for any losses exceeding $50,000 Territories and Availability This program is available on a non-admitted basis 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. Why Work With Phoenix Risk Management Phoenix Risk Management brings deep expertise in placing Workers' Compensation coverage for transportation and auto-related businesses. As an MGA and E&S broker partnered with multiple carriers, they offer flexible underwriting, quick turnaround, and solutions for challenging risks. Whether you're working with an established trucking firm or a new venture needing guidance, PRM is a strong partner for your Workers' Comp placements. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trucking companies, delivery operations, auto service businesses with fleets, and new ventures in the transportation sector. Can I submit accounts with prior lapses in Workers' Comp coverage?Yes, Phoenix Risk Management accepts risks with prior coverage lapses, provided other underwriting criteria are met. What documents are required to get a quote?You’ll need a signed and dated ACORD application (with FEIN) and the PRM Supplemental Application. For the best quote, include 4–5 years of loss runs, payroll history, X-Mod worksheet (if available), and details on large losses. Is this program available for new ventures?Yes, new ventures in auto and trucking may be eligible, even without prior Workers' Comp coverage. What is the minimum premium for this Workers' Comp program?The minimum premium starts at $1,500, though actual premiums may vary based on underwriting details. Need help placing an account? Connect with a market specialist.

Trucking and Commercial Auto Program From Continental Risk Continental Risk, an experienced Excess & Surplus Lines Broker, offers a comprehensive Trucking and Commercial Auto Program available in all 50 states. Designed for a wide range of transportation and commercial auto risks, this program brings access to reputable carriers and flexible underwriting to help agents place even the most complex accounts. Ideal Accounts and Appetite This program is a great fit for both established fleets and new ventures. In California, we offer solutions specifically for 11+ unit and 21+ unit fleets. Continental Risk is willing to consider a wide variety of exposures, including: Car haulers (including cargo with DV endorsement) Oil rigging and fracking operations Dumping operations Piggybacking Drive-away exposures Refrigerated (reefer) haulers Flatbed operations General freight and intermodal transport Mixed exposures (for-hire and not-for-hire) All radius types are considered, from local to long-haul operations. Whether your client is a startup logistics company or a growing fleet with diverse exposures, we can help you find competitive coverage options. Coverage Highlights and Advantages Program filed in all 50 states New ventures acceptable No coinsurance penalty on cargo Flexible solutions for mixed-use fleets Appetite for difficult-to-place risks in specialized sectors like oilfield and drive-away This program can help your insureds manage a wide range of auto liability and physical damage exposures, while also offering tailored options for cargo and specialty endorsements. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the specific risk and carrier. Continental Risk works with a variety of markets to help you find the right fit based on your client’s operations, loss history, and geography. We encourage agents to reach out early with account details to determine eligibility and pricing options. Territories and Availability This Trucking and Commercial Auto Program is available in all 50 states, including California, Texas, Florida, New York, and other major transportation hubs. Continental Risk has filed the program nationwide and offers some admitted markets depending on the state and risk class. Why Work With Continental Risk Continental Risk brings specialized knowledge in complex commercial auto risks and access to a broad range of carrier markets. As a trusted Excess & Surplus Lines Broker, we support agents with responsive service, underwriting insight, and a flexible appetite. We understand the nuances of trucking and commercial auto exposures—and we’re here to help you place business that might fall outside standard markets. For more information on our Trucking and Commercial Auto Program, please contact [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fleets with 11 or more units, especially in California, as well as new ventures and operations with specialized exposures like car hauling, oil rigging, or drive-away risks. Are new trucking operations eligible for coverage?Yes. New ventures are acceptable, and we welcome submissions for startup trucking businesses, including those with unique or niche haul types. Is coverage available in my state?Yes. The Trucking and Commercial Auto Program is filed in all 50 states. Some admitted markets may be available depending on the risk and location. What types of radius or hauling distance are acceptable?All radius types are considered—from local to long-haul operations. We can accommodate a variety of hauling distances and routes. Does the program include cargo coverage?Yes. Cargo coverage is available, and there is no coinsurance penalty on cargo, which is a key benefit for many transportation clients. Need help placing an account? Connect with a market specialist.