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Overview — Legends Environmental Services: Recycling Insurance Program Legends Environmental Services offers a tailored Recycling Insurance Program for agents placing waste and recycling operations in small- to medium-sized communities. Working with carrier partners, Legends delivers competitively priced, flexible coverage with several broadened endorsements and enhancements crafted for recycling-specific exposures. Ideal accounts and appetite This program targets recycling and collection operations and related facilities that have straightforward recycling or transfer operations. Typical accounts include: Local curbside collection and transfer operations Recycling facilities handling scrap metal (no on-site processing), paper, plastic, glass, rubber, textiles, electronics, and automobiles Small- to mid-sized transfer stations and consolidation operations Accounts generally need to be operations-focused (collection, storage, transfer) rather than heavy processing or smelting. Risks involving large-scale processing, significant on-site dismantling, or high-hazard waste streams are typically outside the program’s appetite. Coverage highlights and advantages The program is designed to address the unique property, auto, GL and pollution exposures that recycling operations face. Key features include: Property Enhancement endorsement — increased debris removal limits and amendments/extensions to Business Personal Property. Commercial Liability Broadening endorsement — blanket additional insured status and primary/non-contributory wording when required by contract. Commercial Auto Broadening endorsement — higher limits for physical damage to hired autos and Lease Gap coverage. Broadened Pollution Liability for Covered Autos — covers sudden and accidental pollutant discharges from autos. Equipment breakdown coverage and MCS-90 endorsements available where required. Multiple coverage parts available: General Liability, Automobile, Inland Marine, Pollution, Property, and Umbrella. Underwriting notes and minimum premiums Minimum premium: $4,500 (program minimum; final terms depend on underwriting and state placement). Required submission materials: completed ACORD applications for each coverage part, the program-specific questionnaire, five years of currently valued company loss runs, and drivers list with Motor Vehicle Records. Good risks typically show established safety programs, documented vehicle maintenance and driver screening, and clear separation of processing activities from storage/transfer. Territories and admitted positioning The Recycling Insurance Program is available in most states, excluding AK, CO, NV, LA, and NY. Legends places business through admitted and non-admitted markets as appropriate to meet client needs and to secure the specific broadenings required for recycling operations. Why place recycling business with Legends Environmental Services? Wholesale broker access to multiple carrier partners experienced in environmental and transportation exposures. Program wording designed specifically for recycling operations — not a general waste form retrofit. Flexible endorsements to satisfy contract requirements (blanket additional insured, primary/non-contributory, auto pollution extensions, lease gap). Dedicated submission checklist and underwriting focus that help speed placement for eligible risks. Example client scenarios You might have a municipality-operated transfer station seeking GL, auto, and pollution coverage with primary additional insured wording for contracted haulers. Or an independent scrap metal dealer (no processing) needing inland marine for stored inventory, broadened auto pollution coverage, and equipment breakdown protection. Frequently Asked Questions What types of recycling accounts are a good fit for this program?Collection, transfer, and storage operations in small- to mid-sized communities are ideal — including scrap metal (no processing), electronics, paper, plastic, glass, rubber, textiles, and automobiles. High-hazard processing or large-scale dismantling operations usually do not fit. Which coverage parts can I place through this program?Legends can place General Liability, Automobile, Inland Marine, Pollution, Property, and Umbrella coverages with program-specific endorsements and broadenings. What minimum documents and information are required for submission?You will need ACORD applications for each coverage part, the program-specific questionnaire, five years of currently valued company loss runs, and a drivers list with Motor Vehicle Records. Need help placing an account? Connect with a market specialist.

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Occurrence or Claims-Made CGL Form available. Nose coverage and prior acts available for qualified accounts. Defense costs are typically outside the policy limits for Commercial General Liability. Pollution Liability available on a claims-made basis (separate application required). Overview of the Waste Facilities Liability Program The Waste Facilities Liability program from National Environmental Coverage Corporation (NECC) is designed to help agents and brokers place complex environmental liability risks for waste management and recycling operations. With a focus on hard-to-place and specialized environmental exposures, NECC offers customized coverage solutions through non-admitted carriers. This program addresses the unique liability challenges faced by facilities that handle solid waste, recycling, and related environmental processes. Whether your client operates a composting center or a construction debris landfill, NECC provides tailored liability coverage that helps protect against environmental claims, bodily injury, property damage, and pollution-related incidents. Ideal Accounts and Eligible Classes NECC is actively seeking accounts in a wide range of waste-related operations, including but not limited to: Solid Waste Facilities Composting Centers Recycling Facilities Waste Water Treatment Construction Debris Landfills Land Farms Transfer Stations Used Oil Recycling And Others! If you have a client who operates a regional composting facility or a recycling business that handles used oil and hazardous materials, this program may be a strong fit. NECC understands the exposures involved and can help you secure appropriate coverage for these operations. Coverage Highlights and Advantages Occurrence or Claims-Made Commercial General Liability (CGL) forms available. Optional Nose Coverage and Prior Acts coverage for qualified risks. Defense costs are generally outside the policy limits for CGL coverage. Standalone Pollution Liability coverage available (claims-made basis, separate application required). Coverage is flexible and can be tailored to the exposures of each facility. Whether your client needs protection against third-party bodily injury or environmental cleanup costs, NECC’s program offers adaptable solutions. Underwriting Notes and Minimum Premiums Base limits up to $1,000,000 per occurrence with a $1,000,000 aggregate (higher limits may be available). Minimum deductible starts at $2,500. Minimum premium begins at $2,500, depending on risk characteristics. All submissions are subject to underwriting review. Prior acts coverage may require proof of continuous comparable coverage. Some risks may qualify for limited or no retroactive coverage depending on the exposure and history. Territories and Availability NECC’s Waste Facilities Liability program is available in most states across the U.S., including but not limited to CA, FL, TX, NY, IL, and PA. The program is written on a non-admitted basis, allowing for greater flexibility in underwriting specialized or non-standard environmental risks. Why Work With National Environmental Coverage Corporation? NECC specializes in environmental liability solutions and brings deep expertise in evaluating and underwriting waste-related operations. As a trusted market for environmental exposures, NECC helps agents and brokers succeed in placing hard-to-insure risks. Their responsiveness, program flexibility, and niche focus make them a valuable partner for your environmental accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for solid waste facilities, composting centers, recycling operations, transfer stations, and similar environmental service businesses. Is pollution liability included in the standard coverage?Pollution Liability is available but requires a separate application and is written on a claims-made basis. Are occurrence forms available, or is this strictly claims-made?Both occurrence and claims-made CGL forms are available, depending on the risk and underwriting requirements. What is the minimum premium for eligible risks?The minimum premium starts at $2,500, though this may vary based on the size and nature of the operation. What states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Need help placing an account? Connect with a market specialist.

tKg Comp, a division of Keating, offers a specialized Garbage Hauling Workers' Compensation Insurance program tailored for the unique risks of waste-related operations. This program is designed specifically for agents and brokers looking to place business for clients in the commercial and residential garbage hauling industries. Overview of the Program From Keating Our workers' compensation solution serves a range of waste handling operations, including construction debris hauling, junk removal services, recycling operations, and salvage businesses. With access to several carriers, we offer flexible options to help agents secure coverage for hard-to-place accounts in this niche sector. Coverage is available in both admitted and non-admitted markets, depending on the state and exposure. Ideal Accounts and Appetite This program is an excellent fit for businesses involved in: Construction waste and demolition debris hauling Recycling and salvage operations Commercial or residential garbage collection Junk removal companies You might have a client with a fleet of roll-off trucks servicing construction sites, or a regional company offering curbside recycling services — these are ideal accounts for this program. We also welcome startup operations, provided they meet underwriting guidelines. Coverage Highlights and Advantages Competitive workers' compensation solutions for high-risk waste industry classes Support for both commercial and residential hauling operations Expert underwriting team familiar with the exposures and compliance demands of the industry We understand the operational hazards faced by waste haulers — from vehicle-related injuries to exposure to hazardous materials — and design our coverage to help mitigate these risks. Underwriting Notes and Minimum Premiums Minimum premiums start at $20,000. Actual premium and eligibility will vary depending on the state and specific business exposure. Our underwriters review each submission in detail to assess risk and determine the best fit among our carrier partners. Territories and Availability This program is currently available in the following states: Arizona, Connecticut, Georgia, Illinois, Indiana, Kansas, Missouri, North Carolina, Nebraska, Nevada, Pennsylvania, Tennessee, and Vermont. We continue to expand our reach as carrier appetite allows. Why Work With Keating? Keating brings strong market relationships and deep underwriting knowledge to niche industries like waste hauling. Our specialized team at tKg Comp understands the operational and regulatory challenges your clients face and works closely with agents to find tailored solutions. Whether you're looking to place a single-location junk removal company or a multi-state waste management firm, we can help you provide the right coverage for your clients. Contact us today to learn more about how we can assist with your garbage hauling workers' compensation submissions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for businesses involved in garbage hauling, construction debris removal, recycling, salvage, and junk removal services. What is the minimum premium for this workers' comp program?The minimum premium starts at $20,000, though this may vary depending on the risk and state. In which states is this program available?Coverage is available in AZ, CT, GA, IL, IN, KS, MO, NC, NE, NV, PA, TN, and VT. Does the program cover both commercial and residential waste hauling?Yes, the program supports both commercial and residential garbage hauling operations. What carriers are used in this program?We partner with several carriers to provide flexible and competitive options, depending on the account and state. Need help placing an account? Connect with a market specialist.

Overview — Amwins Underwriting Waste Haulers Insurance Amwins Underwriting offers a specialized Waste Haulers Insurance program designed for brokers and agents placing accounts in the waste transportation and waste services sector. Our underwriting team has more than 25 years of industry experience and has operated this long-standing program since 1987. The program is offered on admitted paper, provides excess limits up to $5 million, and targets classes that need comprehensive automobile and environmental protection with competitive pricing. Target Clients Hazmat haulers (25+ power units, four years in business, satisfactory DOT; excludes aggregate haulers and haulers of home heating oil) Carting companies Construction and demolition debris collection, separation, and transport Landfills Medical waste haulers Medical waste treatment facilities Non-hazardous waste disposal, transport, storage and treatment operations Portable toilet service companies Recycling operations Refuse haulers Roll-off bin and dumpster rentals Sanitation contractors Septic service companies Solid waste haulers Sweeping operations Transfer stations Trash hauling operations Coverage Highlights and Advantages Auto Liability (including pollution) tailored to waste transportation risks Auto Physical Damage Environmental Impairment Liability to address first- and third-party pollution exposures General Liability for Waste Haulers designed for operational exposures commonly found in the industry MCS-90 endorsement included where required Umbrella available for layered limits Admitted paper with excess capacity up to $5M through established carriers Underwriting Appetite and Typical Limits This program is built for commercial waste and transportation operations that demonstrate stable operating histories and acceptable safety records. Appetite includes both hazardous and non-hazardous haulers (with specified eligibility requirements for hazmat), recycling and carting operations, transfer stations, and related service providers. Appetite is generally not available for aggregate haulers or haulers of home heating oil under the hazmat criteria. Limits vary by account and exposure; admitted terms and competitive pricing are available. Excess limits can be placed up to $5,000,000. Underwriting Requirements and Minimums Completed industry standard application Current plus four years of prior loss runs DMV reports EIA supplemental application Expiring premium information Minimum premium: $15,000 (auto) Territories and Availability The program is available in most U.S. states. The program is not available in D.C., Hawaii, Louisiana, or Maryland. Availability is restricted in portions of New Jersey and Virginia — New Jersey: Bergen, Essex, Hudson and Passaic counties; Virginia: Arlington, Fairfax, Loudoun and Prince William counties. States currently supported include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, WY. Markets and Program Structure This program is offered through Amwins Underwriting as a Managing General Agency with admitted paper placed with carriers including Great Divide Insurance Company, Nautilus Insurance Company, and Key Risk Insurance Company. The program emphasizes stable placement, experienced underwriting for waste exposures, and tailored solutions for auto and environmental risks. Why Work With Amwins Underwriting on Waste Haulers Business Specialized, long-running program with underwriters focused on waste transportation and related operations. Admitted paper and excess capacity up to $5M provide placement flexibility. Competitive rates and experienced claims relationships through named carriers. Clear submission requirements streamline underwriting and quoting for experienced agents. Example Accounts That Fit This Program An established carting company with a five-year operating history, a clean DOT record, and mixed route refuse operations seeking combined auto liability and environmental coverage with umbrella limits. A regional medical waste hauler with specialized handling procedures, documented training programs, and four years of loss history looking for admitted paper and higher excess limits. Frequently Asked Questions What types of waste haulers are a good fit for this Amwins program?The program fits a wide range of waste service operations: refuse and solid waste haulers, carting companies, roll-off and dumpster rental operators, recycling and portable toilet services, transfer stations, and many medical waste handlers. Hazmat haulers can qualify with 25+ power units, four years in business, and satisfactory DOT records (with some exclusions). What coverages and limits are commonly available?Common coverages include auto liability (including pollution), auto physical damage, environmental impairment liability, general liability, MCS-90 where required, and umbrella/excess limits. Admitted paper is available with excess capacity up to $5,000,000; specific limits are determined by underwriting. What are the key submission items agents should provide?Provide a completed application, current plus four years of loss runs, DMV reports, the EIA supplemental application, and expiring premiums. Accurate DOT and safety information speeds review and improves placement chances. Are there minimum premiums or eligibility thresholds?The program has a minimum auto premium of $15,000. Hazmat accounts typically require 25 or more power units and at least four years in business, along with satisfactory DOT records. Where is the program available?The program is available in most U.S. states (see the list of supported states). It is not available in D.C., Hawaii, Louisiana, or Maryland, and there are county-level restrictions in portions of New Jersey and Virginia as noted in the underwriting guidelines. Need help placing an account? Connect with a market specialist.

Workers Compensation Program for Waste Haulers PMC Insurance Group offers a specialized Workers Compensation program for Waste Haulers, designed to meet the needs of both small and large operations in the waste management sector. Whether your client operates a small junk removal business or a large-scale commercial waste hauling company, PMC delivers tailored solutions backed by underwriting expertise and risk management support. Ideal Accounts and Target Classes This program is built to serve a wide range of waste hauling operations, including: Commercial waste haulers Residential waste haulers (automated pickup only) Construction waste transportation Recycling and salvage operations Junk removal services Accounts should have a minimum of 3 years of operational experience to qualify. The program is especially well-suited for agents working with larger accounts that require more than just standard coverage—those that need loss-sensitive structures and dedicated risk management services. Coverage Highlights and Program Advantages PMC partners with admitted, A-rated carriers to provide robust Workers Compensation solutions that can be structured to meet the unique risk profiles of waste hauling businesses. Key features include: Guaranteed cost options for smaller accounts seeking budget predictability Loss-sensitive deductible programs for larger operations looking to manage costs through risk control Access to experienced underwriters who understand the waste hauling industry Risk management consulting to help reduce claims and improve safety Underwriting Guidelines and Premiums Minimum premiums start at $5,000, with final pricing based on account size, claims history, and operational complexity. All submissions must demonstrate at least three years of experience in waste hauling or a related operation. Larger accounts may be eligible for more customized structures, including deductible and retrospective rating plans. Available States This program is available in the following states: AL, AZ, CT, GA, IN, KS, MD, MO, MT, NE, NV, NJ, NC, PA, SC, TN, VA If you have clients located in these states who need reliable Workers Compensation coverage for waste hauling operations, PMC can help you place the business efficiently. Why Work With PMC Insurance Group? PMC Insurance Group is a trusted wholesale broker with deep expertise in workers compensation programs. Their Waste Haulers Workers Compensation program reflects a commitment to offering niche, high-value solutions that give agents and brokers a competitive edge. With access to multiple carriers and flexible program structures, PMC is a valuable partner for agents seeking responsive underwriting and risk management support for this challenging class of business. Whether you’re working with a growing junk removal company or a multi-state commercial hauler, PMC delivers the tools and support you need to place and retain quality accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial and residential waste haulers (automated pickup only), construction waste haulers, recycling/salvage companies, and junk removal services with at least 3 years of experience are ideal. Is the program available for new ventures?No, accounts must have a minimum of three years of operating history to qualify for this program. Are loss-sensitive deductible plans available?Yes, for larger accounts, PMC offers loss-sensitive deductible programs in addition to guaranteed cost options. What is the minimum premium for this program?The minimum premium starts at $5,000, but final pricing depends on account size, risk profile, and coverage structure. In which states is the program available?This program is available in AL, AZ, CT, GA, IN, KS, MD, MO, MT, NE, NV, NJ, NC, PA, SC, TN, and VA. Need help placing an account? Connect with a market specialist.

Amwins Program Underwriters' Demolition Contractors program through Amwins Underwriting is a specialty placement for demolition, wrecking and salvage contractors. As a managing general agency, Amwins offers a focused package that combines general liability, auto, pollution, and excess liability to address the primary exposures of demolition operations. The program targets established demolition contractors and provides specialty underwriting, loss-control support, and superior claims handling via an AM Best "A" rated carrier. Overview of the Program from Amwins Underwriting This program is designed for contractors who perform demolition and salvage work as their primary business. Coverage can include: Commercial General Liability Automobile Liability (including pollution-contaminant liability on autos) Pollution liability (operations-related) Excess/Umbrella limits to broaden protection Limits are competitive for this class: General Liability up to $1,000,000 per occurrence / $2,000,000 aggregate and Automobile up to $1,000,000 CSL. General Liability is placed on non-admitted paper; other lines are typically written on admitted paper. Ideal Accounts and Appetite This program is a strong fit if your client meets the following: At least 75% of gross receipts are from demolition-related activities. Primary operations include selective demolition, structure dismantling, salvage, and site clearance without high-hazard methods. Clients who handle recycling of construction debris, excavation, or grading as incidental operations (collectively up to 25% of GL receipts). Examples of good-fit accounts: A mid-sized contractor performing commercial interior and selective structural demolition with on-site salvage and debris recycling. A salvage operator who specializes in controlled dismantling and scrap recovery with limited subcontracting. Underwriting Notes and Restrictions Minimum premium: $10,000 for General Liability. Subcontracting limits: not eligible if more than 25% of demolition operations are subcontracted to others. Ineligible operations: wrecking-ball demolition and blasting performed by the insured are excluded. Inspections and loss control reviews are commonly required for new and renewal accounts. Coverage Advantages Program tailored specifically to demolition/salvage exposures rather than placed in a broader construction marketplace. Access to admitted wording for most lines (GL on non-admitted paper only) with an AM Best "A" rated insurer behind the program. Local rating and underwriting decisions through Amwins' specialty team and superior claims and loss control service designed for this class. Territories and Availability Available in all U.S. states except Alaska (AK) and Hawaii (HI). Underwriting availability and specific terms may vary by state due to regulatory differences. Why Place This Business with Amwins Underwriting As a managing general agency, Amwins Underwriting brings niche expertise in demolition risks, strong carrier relationships, and dedicated service for agents. Use this program when you need a market that understands demolition exposures, will consider packaged liability/auto/pollution placements, and can offer excess capacity for larger accounts. Frequently Asked Questions What types of demolition contractors are a good fit for this program?Contractors whose primary business (at least 75% of receipts) is demolition, wrecking, salvage or selective dismantling and who do not perform blasting or wrecking-ball work. Incidental excavation, grading and debris recycling are acceptable up to 25% of GL receipts. Is General Liability placed admitted or non-admitted?General Liability for this program is generally placed on non-admitted paper; other lines such as auto and pollution are typically placed on admitted paper. Final placement depends on state availability and underwriting. What are the key underwriting requirements I should expect?Expect a minimum GL premium of $10,000, subcontracting limits (no more than 25% of demolition operations subcontracted), and routine loss-control reviews or inspection reports for new or higher-exposure accounts. Are blasting, wrecking ball, or heavily subcontracted jobs eligible?No. The program excludes blasting and wrecking-ball operations performed by the insured, and it will not accept accounts where more than 25% of demolition operations are subcontracted out. Need help placing an account? Connect with a market specialist.

Overview — Colonial General Insurance Agency: Garbage Hauling Insurance Colonial General Insurance Agency, Inc. offers a targeted Garbage Haulers and Waste Disposal program designed for independent agents and brokers placing commercial waste-hauling risks. As an experienced managing general agency and excess & surplus lines broker, Colonial General works with a variety of admitted and non-admitted markets to provide flexible liability, physical damage, cargo and excess auto options for roll-off, residential/ commercial trash, recycling and related waste operations. Ideal Accounts and Appetite This program is a good fit for: Local and regional refuse haulers (residential and commercial routes) Roll-off/dumpster operators, transfer station pickups and container services Recycling haulers and mixed solid waste carriers Hazardous materials haulers in eligible classes (note: specific limits in CA) Less appropriate accounts typically include long-haul interstate fleet operations with specialized high-hazard exposures or heavily deteriorated safety programs. Each submission is reviewed by underwriting for class, fleet size, safety record and loss history. Coverage Highlights and Advantages Program features give you multiple ways to structure coverage for the unique exposures of waste haulers: Auto Liability: Primary limits available up to $1,000,000 (in California hazardous materials haulers may qualify for $1,200,000 primary). Buffer/Layered Auto Liability: Options to add buffer layers to achieve combined limits. Physical Damage: Comprehensive and collision available with deductible choices typically ranging from $500 to $5,000. Cargo: Limits up to $100,000; coverage can include refrigerated cargo breakdown where applicable. Excess Auto: Capacity to place higher limits via excess layers. Radius options: Flexible territory/radius schedules up to 500 miles to match operational patterns. Regulatory and state filings: Assistance with filings where required by state regulators. Underwriting Notes Underwriting focuses on fleet safety, driver hiring and monitoring practices, vehicle maintenance, loss history and the types of materials transported. Common items under review include: CSA scores and MVRs for drivers Recent loss runs and frequency/severity trends Equipment age and maintenance programs Special operations (e.g., hazardous waste) that may require enhanced terms Carriers and admitted status vary by state and account profile; Colonial General places business in both admitted and surplus markets as appropriate. Territories and Availability The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Availability and admitted vs. non-admitted placement will depend on the carrier, the class of business and the insured’s operations. Why Work With Colonial General on Garbage Hauling Business Colonial General combines program underwriting expertise and market access to help you place challenging waste-hauling risks. The MGA’s flexibility on limits, physical damage deductible options and cargo protection — plus support for state filings — makes this program a practical option when standard markets are constrained. Carriers vary by account; underwriting is geared to evaluate and structure coverage for common hauler exposures rather than offer one-size-fits-all terms. Example placements You may have a local roll-off operator with a mixed residential/commercial route and a modest fleet who needs $1,000,000 auto liability, physical damage with a $1,000 deductible and cargo limits — this program can be structured to fit that profile. A small municipal contractor running within a 200-mile radius with clean loss runs and maintained equipment could qualify for primary liability and excess options through Colonial General’s carrier panel. Frequently Asked Questions What types of garbage hauling accounts are a good fit for this program?The program targets local and regional refuse haulers, roll-off and dumpster services, transfer pickup operators, and recycling haulers. Accounts with documented safety and maintenance programs and standard solid waste operations are best suited. What liability and cargo limits are available?Primary auto liability limits are available up to $1,000,000 (with select hazardous materials haulers in California eligible for $1,200,000 primary). Cargo limits are available up to $100,000 and can include refrigerated cargo breakdown where applicable. Excess layers are also available through market capacity. Are admitted markets available?Yes — Colonial General places business in both admitted and excess & surplus markets. Actual admitted availability depends on state and the specific risk characteristics. What submission information do underwriters typically need?Provide a completed application, current loss runs (usually 3–5 years), driver MVRs or summary, vehicle list and details on safety/maintenance programs. The more detail on operations and controls, the better the chance of favorable terms. Need help placing an account? Connect with a market specialist.

Workers' Compensation Solution for the Transportation Industry Overview — Amwins Underwriting: Workers' Compensation - Transportation Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator. The ASCS Trucking Program offers a consolidated solution that can cover a motor carrier’s full work-related injury exposure for employees and independent contractors. The program combines fleet workers’ compensation, occupational accident, contingent liability and corporate workers’ compensation into a single, streamlined placement. Coverage is provided through an A- XI rated carrier, with claims handled by industry specialists experienced in transportation losses. Ideal accounts and target classes Trucking operations—predominantly long-haul fleets, including auto transport, moving & storage, flatbed haulers, and refuse haulers Couriers and delivery services, including last-mile carriers that work with major platforms Bus companies (passenger transit and charter operations) Insureds in business for at least three years with an established safety program and full-time safety director Coverage highlights and advantages Single-program approach: places multiple related exposures (employee WC, occupational accident, contingent liability, corporate WC) together for consistent handling and policy terms Specialized claims handling through transportation-focused adjusters and teams Capacity with an A- XI rated carrier backing the program Flexible structure to address both employee and contractor exposures typical in transportation operations Underwriting notes and minimum premium The program generally targets established transportation operations with documented safety controls and satisfactory Department of Transportation (DOT) ratings. Minimum premium is $50,000; there is no stated maximum premium. Typical factors underwriters will review include loss history, driver hiring and monitoring practices, hours of service compliance, and whether a dedicated safety director is in place. Excluded operations: hazardous exposures such as gas hauling, explosives, liquid chemicals, or anhydrous ammonia are not accepted. Territories and availability This program is available in the following jurisdictions: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. It is positioned as a non-admitted placement (wholesale MGA capacity) to give broader flexibility where appropriate. Why place transportation accounts with Amwins Underwriting Underwriting expertise focused on specialty transportation risks and complex contractor/employee exposures Program structure that reduces the need to stack separate policies across multiple carriers Claims handled by specialists who understand transportation industry loss patterns, which can improve recovery and control costs Responsive wholesale support for agents placing larger or complex transportation risks Example accounts that frequently fit A regional long-haul trucking fleet with a dedicated safety director, three years in business, and a satisfactory DOT rating seeking a single program to cover employee and contractor injuries. A last-mile courier operation with mixed employee and independent-contractor drivers looking to consolidate occupational accident and contingent liability exposures into one placement. Interested in more detail? Visit the program page on the Amwins site: https://www.amwins.com/products/workers-compensation---transportation. Frequently Asked Questions What types of transportation accounts are a good fit for this program?Accounts that typically fit are established motor carriers and delivery operations with at least three years in business, a satisfactory DOT rating, and a full-time safety director. Long-haul trucking, flatbed and auto transport, moving & storage, refuse haulers, couriers/delivery services, and bus companies are core targets. Does the program cover independent contractors as well as employees?Yes. The program is designed to address both employee workers’ compensation and occupational accident coverage for independent contractors, along with contingent liability and corporate workers’ compensation components, all within one placement. What are the key underwriting requirements agents should prepare for?Underwriters will request at minimum: three years of loss history, DOT safety records, evidence of a safety program (including a full-time safety director), driver hiring and monitoring procedures, and details on operations to confirm no excluded hazardous exposures. What is the minimum premium and how is territory handled?Minimum premium for the program is $50,000. The program is available in the states listed on this storefront and is written through an admitted A- XI rated carrier as part of the Amwins underwriting platform; placement is typically handled on a wholesale/MGA basis to provide flexibility for larger or complex risks. Need help placing an account? Connect with a market specialist.