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...rate limousine services, airport shuttles, or taxicab companies, this program ...sport providers such as limousines, shuttles, and taxi services. In which stat...

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AFC Insurance Inc. offers a focused insurance solution tailored to the unique needs of Senior Living Communities. This specialized program provides Property and Auto coverage exclusively for facilities that serve aging populations, such as retirement communities, age 55+ housing, and senior living centers. As a program administrator with access to a variety of carriers, AFC is positioned to help agents and brokers secure competitive coverage options for these niche risks. Ideal Accounts and Appetite This program is designed for non-medical senior facilities, including: Senior Living Communities Retirement Communities (55+) Independent Living Facilities Note that this program does not include General Liability or Professional Liability coverage. It is best suited for accounts focused on property management and transportation exposures, rather than hands-on healthcare or caregiving services. For example, you might have a client that owns a gated retirement village with a small fleet of shuttle vans for resident transportation—this program can address the property and auto risks for that type of exposure. Coverage Highlights and Advantages Property Coverage – Protects buildings, contents, and equipment specific to senior housing operations. Auto Coverage – Designed for owned and operated vehicles used for resident transport, deliveries, or facility operations. Access to multiple carriers ensures flexibility and market competitiveness. Because the program is focused and streamlined, it can be a strong fit for brokers looking to quickly address core insurance needs without bundling unnecessary coverages. Underwriting Notes and Minimum Premiums Minimum premiums vary and depend on the size and scope of the facility, property values, and vehicle exposures. AFC evaluates each submission on its own merits and seeks clean, well-managed risks that meet program criteria. Facilities with significant healthcare or skilled nursing operations may need to be placed elsewhere. Territories and Availability This program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. AFC writes on an admitted basis in many of these states. Agents are encouraged to inquire about state-specific availability and underwriting appetite. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings targeted expertise and a streamlined underwriting process to hard-to-place classes like senior living. As a program administrator, AFC leverages strong carrier relationships to deliver tailored solutions for niche commercial property and auto exposures. Whether you're placing a single-location senior community or a multi-site retirement real estate operator, AFC gives you the tools to meet your client’s needs with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for non-medical senior living communities, such as retirement communities for residents 55+ and independent living facilities with on-site amenities but no skilled nursing care. What coverages are included in this program?The program offers Property and Auto coverage only. General Liability and Professional Liability are not included. Can I place accounts with shuttle or facility vehicles?Yes, Auto coverage is included and can accommodate transportation exposures such as shuttle vans used for resident transport. Is this program available in my state?The program is offered in most U.S. states, including CA, TX, FL, NY, and many others. Contact AFC to confirm availability in your specific state. What is the minimum premium requirement?Minimum premiums vary depending on the risk profile, property values, and vehicle count. AFC evaluates each submission individually. Need help placing an account? Connect with a market specialist.

...air-accessible vans, appointment shuttles, or similar non-emergency transport ...

Overview — Taxi Cab Insurance from U.S. Risk Insurance Group, Inc. U.S. Risk Insurance Group, Inc. offers a targeted program for taxi fleets and other transportation accounts through select admitted and surplus markets. We have access to an A+ XV admitted carrier that will quote commercial auto coverage (including physical damage) up to $5 million in auto liability limits, with competitively low deductibles. Incidental general liability can be placed in conjunction with the auto coverage to provide broader protection for drivers and operators. Ideal Accounts and Appetite This program is a good fit for independent agents and brokers who need a reliable market for: Taxi and cab fleets (for-hire passenger vehicles) Paratransit and airport shuttle operations with limited radius exposure Other transportation accounts that require higher limits or specialty underwriting In addition to taxis, U.S. Risk can consider larger transportation accounts — including truckers and commercial fleets — especially those with annual premiums of approximately $200,000 or more. Appetite and terms will vary by account characteristics and state. Coverage Highlights and Advantages Admitted market capacity up to $5 million in auto liability limits (carrier rating A+ XV). Physical damage available with low deductibles to protect fleet assets. Optional incidental general liability available alongside auto coverage. Competitive pricing from specialty transportation markets and access to excess & surplus placement when needed. Dedicated claims and loss-control services geared to transportation risks. Underwriting Notes and Submission Requirements For efficient quoting, provide a complete submission. Typical required documents include: ACORD applications (125, 127, 137; and 126 if incidental GL is requested). Completed Public Auto (taxi) questionnaire. Complete vehicle schedule: year/make/model, garaging location, primary use, operating radius, passenger capacity, and cost new. Five years of currently valued loss runs. Current financial statement for the applicant. Current drivers list and motor vehicle reports (MVRs). Underwriting is selective: vehicle condition, driver hiring and monitoring practices, loss history, and operations radius are all important. Larger transportation accounts may be routed to surplus markets through U.S. Risk’s broker channels when admitted capacity is unavailable. Territories and Availability Available through U.S. Risk Insurance Group, Inc. 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. Specific admitted vs. non-admitted options and forms will vary by state and by insurer. Why Place Taxi Business with U.S. Risk? As an excess & surplus lines broker with access to specialty transportation carriers, U.S. Risk combines market access, underwriting expertise, and responsive service. Agents benefit from: Direct access to a vetted admitted carrier for higher-limit auto placements. Flexible placement options across admitted and surplus markets. Claims and loss-control support tailored to commercial transportation exposures. Underwriting guidance to help package submissions for the best terms. Example Account Scenarios You might have a client who operates a 20-vehicle taxi fleet serving an urban area with strong driver screening and a clean five-year loss history — this program can provide competitive limits and low deductibles. Or you may be handling a larger regional shuttle operator whose premium reaches six figures; U.S. Risk can evaluate admitted and E&S options to find adequate capacity and coverage. How to Submit Prepare the complete submission package listed above and contact your U.S. Risk underwriter. Because appetite and capacity vary by state and account, a full submission helps secure the most competitive terms quickly. Frequently Asked Questions What types of taxi accounts does this program prefer?U.S. Risk targets traditional taxi/cab fleets and for-hire passenger operations with documented driver screening, maintenance programs, and stable loss history. Larger transportation accounts are also considered — particularly those with higher premium volume. Can incidental general liability be added to the auto policy?Yes. Incidental general liability can be written in conjunction with the commercial auto coverage when requested; include ACORD 126 with your submission when GL is needed. Is the $5 million limit available in all states?Limits and admitted availability depend on state filing and carrier capacity. U.S. Risk can provide admitted placements up to $5 million where the carrier is admitted; surplus solutions are available where necessary. What are the most important documents to include with a submission?Priority items are ACORD applications, the Public Auto questionnaire, a complete vehicle schedule, five years of loss runs, current financials, and driver lists with MVRs. Incomplete submissions delay quoting. Are there minimum premium requirements?Minimum premiums vary by account and market. U.S. Risk regularly evaluates larger transportation accounts and often reviews accounts with annual premiums in the neighborhood of $200,000 or more, but taxi-specific placements may be considered at other premium levels depending on exposures and state availability. Need help placing an account? Connect with a market specialist.

McGowan Excess & Casualty Excess Auto Umbrella Insurance Overview of the Program From McGowan McGowan Excess & Casualty, part of The McGowan Companies, offers a specialized Excess Auto Umbrella Insurance program designed for high-risk auto-related operations. This program provides flexible umbrella and excess liability solutions tailored for commercial auto clients with significant exposure. As a Managing General Underwriter (MGU), McGowan has access to a broad range of markets and underwriting expertise, helping agents secure competitive and comprehensive coverage for hard-to-place or high-limit accounts. Ideal Accounts and Appetite This program targets a wide range of transportation-related and delivery-focused operations, including but not limited to: School Bus Operators Shuttle Buses Non-Emergency Medical Transportation (NEMT) Ambulances Sand & Gravel Haulers Mix-in-Transit Vehicles Water Haulers Trash/Garbage Hauling Companies Beverage Distributors Fuel Oil Delivery Services If you have clients in these industries that require higher liability limits due to contracts, municipal requirements, or elevated exposures, this program may be a strong fit. Coverage Highlights and Advantages McGowan offers both Commercial Umbrella and Follow Form Excess Liability products to meet a variety of coverage needs. Whether your insured needs coverage over auto, general liability, or employer’s liability, McGowan can help structure a layered solution. Umbrella Limits: Starting at $1 million, with capacity up to $100 million Excess Layers: Available from $1 million to $100 million above a lead umbrella Coverage Types: Commercial Umbrella Liability and Follow Form Excess Liability This flexibility allows you to build coverage towers that align with your client's contractual obligations or internal risk management strategies. Underwriting Notes and Minimums McGowan typically requires an A- / VII AM Best rating on underlying carriers, although exceptions may be considered for Employer’s Liability carriers. Their underwriting team understands niche transportation risks and can work with you to evaluate complex accounts. No specific minimum premium is listed, but pricing will reflect the risk class, limits requested, and territory. Territories and Availability The Excess Auto Umbrella Insurance program is available in most states, 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, DC, WV, WI, and WY. Most options are offered on a non-admitted basis, providing greater flexibility for tailored solutions. Why Work With McGowan McGowan Excess & Casualty brings specialized underwriting expertise and market access to a challenging segment of the commercial auto space. Their team understands the exposures associated with high-capacity vehicles, hazardous cargo, and municipal contracts. With flexible limits, broad appetite, and a commitment to responsiveness, McGowan is a valuable partner for agents placing excess auto liability coverage. If you're working with clients who operate large fleets, transport hazardous or regulated materials, or simply need higher excess liability limits, McGowan’s Excess Auto Umbrella Insurance program is built to support your placement needs. For more information on Excess Auto Umbrella Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for transportation-related risks such as school buses, shuttle services, ambulance fleets, and fuel or beverage delivery companies needing higher liability limits. What limits are available through this program?Umbrella and excess limits range from $1 million up to $100 million, depending on the risk and underlying coverage. Do underlying carriers need to meet certain ratings?Yes, underlying carriers typically need an A- / VII AM Best rating. Exceptions may be made for Employer’s Liability carriers. Is this program available in all states?The program is available in most U.S. states. Please check availability for your client's state before submission. What makes McGowan a strong partner for this type of coverage?McGowan offers niche underwriting expertise, access to a wide range of markets, and the ability to structure high-limit layered liability solutions tailored to complex auto-related risks. Need help placing an account? Connect with a market specialist.

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.

Non Emergency Medical Transportation Insurance Program From PMC Insurance Group PMC Insurance Group offers a specialized Non Emergency Medical Transportation (NEMT) Insurance Program tailored for transportation providers serving vulnerable populations. Whether your insured operates wheelchair vans, shuttle buses, or sedans, this program is designed to meet the unique liability and coverage needs of NEMT operators. Agents and brokers can access a competitive market with admitted, A-rated carriers and a proven underwriting process through PMC Insurance Group, a trusted wholesale broker with deep expertise in transportation risks. Ideal Accounts and Target Classes This program is ideal for transportation providers who serve individuals with: Mobility impairments Vision or hearing impairments Mental or developmental disabilities Elderly passengers Medicaid-qualified riders Coverage is suitable for small to mid-sized NEMT businesses that operate scheduled, non-emergency transportation services to medical appointments, adult day care, dialysis centers, and similar destinations. Accounts with experience in passenger transport and a clean loss history are preferred. Example: You might have a client running a six-vehicle fleet transporting Medicaid patients to and from dialysis appointments across rural or suburban communities—this is a strong fit for the program. Coverage Highlights and Advantages Guaranteed Cost options available Admitted markets with A-rated carriers (varies by state) Dedicated underwriting for NEMT risks Support for complex underwriting submissions (MOD sheets, loss runs, etc.) PMC Insurance Group understands the regulatory and operational challenges your insureds face and brings valuable expertise to help you navigate underwriting requirements and secure coverage efficiently. Underwriting Requirements and Minimum Premium Minimum premium starts at $7,500, with final pricing based on risk profile, state, and insured operations. Submissions should include: 5 years of loss runs Completed ACORD application Current MOD sheet (if applicable) Eligibility and carrier availability vary by state, and certain higher-risk classes or operations may be subject to additional underwriting review. Territories and Availability This program is available in most states, including AL, AZ, CT, DE, ID, IL, IN, IA, KS, KY, ME, MD, MI, MS, MO, MT, NV, NH, NY, NC, OK, RI, SC, SD, TN, TX, UT, VT, VA, DC, and WV. Not available in: AR, CA, FL, GA, MA, and PA. Why Work With PMC Insurance Group? PMC Insurance Group is a trusted wholesale broker with strong carrier relationships and a responsive underwriting team focused on transportation-related risks. Their NEMT program offers a reliable market for agents seeking tailored coverage solutions for clients in this growing and essential industry. From underwriting expertise to personalized service, PMC helps agents close more accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for non-emergency medical transportation providers that serve passengers with disabilities, the elderly, or Medicaid-qualified individuals. Fleets operating sedans, vans, or minibuses for scheduled transportation qualify best. What states is the program available in?The program is available in most states, including NY, TX, IL, and others. It is not available in AR, CA, FL, GA, MA, or PA. What are the minimum submission requirements?Agents should provide 5 years of loss runs, a completed ACORD application, and a current MOD sheet to begin the underwriting process. Are the carriers admitted?Yes, the program uses admitted A-rated carriers where available. Availability may vary depending on the state. Is there a minimum premium?Yes, the minimum premium starts at $7,500, but actual pricing depends on the specific risk characteristics and location of the account. Need help placing an account? Connect with a market specialist.