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Public Auto Insurance U.S. Risk Insurance Group, Inc. offers a specialized Public Auto Insurance program for large “wheels” and people-mover accounts. Through access to an A+ XV-rated admitted carrier, this program provides up to $5 million in auto liability limits (including physical damage) and competitive low deductible options. Incidental General Liability (GL) can be added to the auto policy when required, giving you flexibility to package coverages for high-exposure transportation clients. Ideal Accounts and Appetite This program is designed for large transportation risks where capacity and experienced underwriting matter. Typical targets include: Shuttle services and people-mover operations Fixed-route transit buses Non-emergency medical transport (non-EMT) vehicles Taxis, truckers, and other large transportation fleets (generally for premiums of $200,000+) The program works best for accounts with substantial fleets or significant public transportation exposure. Premium thresholds generally start at $75,000 for shuttle and people-mover accounts; other large transportation risks typically begin around $200,000. Coverage Highlights and Advantages This market delivers capacity and features tailored to high-limit transportation risks: Auto liability limits up to $5 million, including physical damage Low deductible structures to support loss control and client retention Optional incidental General Liability written with the auto policy Competitive pricing with underwriting flexibility for complex or multi-state risks Responsive claims handling and proactive loss control resources If you have a regional shuttle fleet or a multi-state trucking operation, this program provides the limits and service model needed to place those accounts effectively. Underwriting Notes and Minimum Premiums To streamline submission and underwriting, provide a complete package that includes: ACORD forms 125, 127, 137 (and 126 if GL is requested) A completed Public Auto or Trucker’s Questionnaire Detailed vehicle schedule with garaging, primary use, operating radius, passenger capacity, and cost-new values Five years of currently valued loss runs Current financial statement Driver list with current MVRs Minimum premiums start at approximately $75,000 for shuttle and people-mover operations; most other large transportation accounts (taxis, trucking, etc.) will generally begin around $200,000. Territories and Availability This Public Auto program is available nationwide — all 50 states and Washington, D.C. — making it suitable for single-state and multi-state operators. Why Work With U.S. Risk Insurance Group? U.S. Risk is an established Excess & Surplus Lines broker with deep experience placing complex transportation risks. Agents benefit from U.S. Risk’s long-standing carrier relationships, underwriting knowledge, and hands-on service from submission through claims. Whether you need capacity, flexible terms, or loss control support, U.S. Risk can help you place challenging public auto accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this Public Auto Insurance program?This program targets larger transportation risks such as shuttle services, transit buses, non-EMT medical transport, taxis, and truckers. It is best suited for accounts where annual premiums meet the program’s minimum thresholds (typically starting at $75,000). Can incidental General Liability be added to the policy?Yes. Incidental GL can be written in conjunction with the auto policy when the exposure warrants it. What documentation is required for a complete submission?Provide ACORD 125/127/137 (and 126 if requesting GL), a completed questionnaire, a vehicle schedule, five years of currently valued loss runs, current financials, and a driver list with MVRs. What liability limits are available?The program offers auto liability limits up to $5 million and can include physical damage coverage as part of the package. Is the program available in all states?Yes. The Public Auto program is available in all 50 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

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We have a premier market for Bus accounts! U.S. Risk Insurance Group, Inc. offers access to an A+ XV-rated admitted carrier that can quote up to $5 million in auto liability limits, including physical damage coverage, with competitively low deductibles. Incidental general liability (GL) can also be written in conjunction with the bus coverage. This program is backed by strong claims management and loss control services, giving your insureds the protection and service they deserve. Overview of the Program From U.S. Risk Insurance Group U.S. Risk Insurance Group’s Bus Insurance program is designed for large people-mover operations, including fixed-route transit buses. Our carrier partner offers admitted paper with high limits and competitive pricing, making this a go-to solution for agents and brokers working with transit-focused accounts. The program is available in all 50 states and Washington, D.C., and is best suited for accounts with annual premiums of $75,000 or more. Ideal Accounts and Appetite We are currently targeting large bus accounts, specifically those that fall into the following categories: Fixed-route public transit operations Large people-mover fleets Urban and suburban shuttle services This program is ideal for clients operating in metropolitan or regional markets with significant passenger volume and consistent routing. For example, you might have a client running a city-wide transit system or a large shuttle fleet serving corporate campuses or airports—these are strong fits for our underwriting appetite. Coverage Highlights and Advantages Auto liability limits up to $5 million available Physical damage coverage included Low deductibles to reduce out-of-pocket exposure Optional incidental general liability coverage Access to top-tier claims and loss control services Underwriting Notes and Minimum Premiums To be considered for this program, submissions must meet our underwriting criteria and be complete. A full submission should include: ACORD forms 125, 127, 137 (and 126 if including incidental GL) A completed Public Auto questionnaire Vehicle schedule including use, garaging, radius, capacity, and cost new Five years of currently valued loss runs Current financial statements Current driver list and MVRs We are primarily seeking accounts with minimum premiums of $75,000, though this may vary based on risk characteristics and state. Territories and Availability This program is available in all 50 states and Washington, D.C., including 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, and WY. Why Work With U.S. Risk Insurance Group As an experienced excess and surplus lines broker, U.S. Risk Insurance Group provides agents and brokers with access to specialized markets and underwriting support for complex public auto risks. With our strong carrier relationships and focus on service, we help you deliver tailored solutions that meet the operational and compliance demands of your bus operator clients. Frequently Asked Questions What types of accounts are a good fit for this bus insurance program?We are targeting large people-mover operations, especially fixed-route public transit systems with premiums of $75,000 or more. Is the coverage written on admitted paper?Yes, we offer coverage through an A+ XV-rated admitted carrier. Can incidental general liability be added to the policy?Yes, incidental GL can be written in conjunction with the bus coverage when needed. What documents are required for a complete submission?Submissions must include ACORD forms, a Public Auto questionnaire, a full vehicle schedule, five years of loss runs, financials, and driver/MVR info. Is this program available nationwide?Yes, the program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

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