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Public Auto Specialty Insurance Program
Amwins National Transportation Underwriters, part of the Amwins Underwriting division, offers a specialized Public Auto program designed for agents placing passenger transportation risks. Our underwriting team has more than 100 years of combined experience in public auto exposures and works with a variety of admitted and non-admitted markets to provide flexible solutions for operators such as shuttles, limousines, charter buses, and social service carriers.
Overview of the Program from Amwins Underwriting
This program is delivered through Amwins as a Managing General Underwriter with access to multiple carriers. It provides targeted coverages and underwriting expertise for businesses that transport passengers for hire or on behalf of organizations. Policies can be tailored by account and typically include primary auto liability, physical damage, and excess limits when appropriate.
Ideal Accounts and Appetite
Typical accounts that fit this program include:
Airport shuttles, airport limousines and courtesy buses
Limousine and chauffeured luxury sedan services
Charter and party buses (sightseeing, seasonal recreation, amateur sports)
Employee transportation and daycare transport services
Social service transportation providers
Amwins has appetite for single-state and multi-state operations across a broad range of vehicle fleets and seating capacities. We generally consider accounts with organized driver screening and safety programs. Accounts with frequent charter work, special event service, or mixed-use operations may also be eligible.
Coverage Highlights and Advantages
Auto Liability limits tailored to the account with available excess layers
Physical damage options for comprehensive and collision on scheduled vehicles
Flexible underwriting for seasonal operations and mixed fleets
Access to multiple carriers through Amwins’ underwriting relationships
Underwriting expertise focused exclusively on public auto exposures
Underwriting Notes
When submitting a request, underwriters typically ask for:
Completed public auto application and vehicle schedule
Current loss runs (usually 3–5 years)
Driver lists and MVRs for principals and drivers
Details on safety programs, maintenance, driver hiring, and training procedures
While this program handles many public auto classes, it is not intended for high-hazard freight or specialized hazmat transport. Accounts with a history of frequent or severe losses, or with inadequate driver controls, may not be eligible.
Territories and Regulatory Positioning
The program is available in the following jurisdictions: 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 availability and filing requirements vary by state; Amwins can advise on admitted vs. non-admitted placement options as appropriate for the risk.
Why Work with Amwins on Public Auto
Deep, focused expertise in public auto—underwriters who understand passenger transportation exposures
Managing General Underwriter access to multiple carrier capacities and flexible policy forms
Responsive underwriting and tailored solutions for single-vehicle owners up to larger fleet operators
Ability to consider specialized or niche operations that require a nuanced approach
Example submissions you may have: a regional airport shuttle operator with a mixed fleet of 8–12 vehicles and a documented driver training program; or a luxury limousine service seeking liability and physical damage coverage for chauffeurs and high-value sedans. Both are the kinds of risks our team regularly evaluates.
To learn more about our Public Auto insurance program, please visit our website.
Frequently Asked Questions
What types of public auto accounts are a good fit for this program?We typically write airport shuttles, limousines, charter and party buses, daycare and social service transport, employee shuttles, and seasonal recreation transport. Accounts with documented safety programs and acceptable loss histories are preferred.
Which lines of coverage are available through Amwins’ Public Auto program?The program commonly includes Auto Liability, Auto Physical Damage, and Excess coverage. Coverages and limits are tailored to the vehicle mix and exposures of each account.
What information should I include with a submission?Provide a completed application, vehicle schedule, current loss runs, driver roster with MVRs for key drivers, and a summary of safety and maintenance programs. The more complete the submission, the faster underwriting can evaluate the risk.
In which states can I place business through this program?Amwins offers this program in multiple states (see storefront for the full list). Availability and the admitted/non-admitted option can vary by jurisdiction—your Amwins underwriter can advise on placement options for the client’s state.
Need help placing an account? Connect with a market specialist.