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...tel, airport transfer, corporate shuttles, connector services). Operators ... passenger shuttle operations—hotel shuttles, scheduled airport transfers, cor...

Specialized Shuttle Vehicle Insurance Program from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a comprehensive insurance solution designed specifically for shuttle and people-mover operations. This program is backed by an A+ XV rated admitted carrier and is tailored to meet the unique liability and property exposures associated with commercial passenger transport. Whether your clients operate fixed-route transit buses or non-EMT passenger vehicles, this program delivers the coverage and support they need — and the underwriting expertise you expect. Ideal Accounts and Appetite This program is ideal for accounts with annual premiums of $75,000 or more and includes the following target classes: Shuttle and people-mover operations Fixed-route transit buses Non-emergency medical transport (non-EMT) vehicles You might have a client that operates a private airport shuttle service or a company providing employee transportation between facilities — both would be excellent fits. The program is designed for fleets with a strong operational history and a focus on safety and compliance. Coverage Highlights and Advantages This market offers a robust set of coverage features and benefits: Auto liability limits available up to $5 million Physical damage coverage included Very low deductible options Incidental General Liability can be written alongside auto coverage Competitive pricing and highly responsive claims handling Proactive loss control resources to help reduce future exposures Underwriting Notes and Submission Requirements A complete submission is required for underwriting consideration. Please include: Completed ACORD applications: 125, 127, 137 (and 126 if incidental GL is requested) Public Auto questionnaire Vehicle schedule with details: description, garaging location, usage, radius, passenger capacity, and cost new Five years of currently valued loss runs Current financial statement Driver list and current MVRs Minimum premiums vary based on account size and risk characteristics, but this program is generally suited for larger accounts with complex needs. Territories and Availability Coverage is available in all 50 states, including Washington D.C. U.S. Risk accesses a variety of markets to ensure broad national availability with flexibility to meet local regulatory and operational requirements. Why Work With U.S. Risk Insurance Group? As a leading excess and surplus lines broker, U.S. Risk has deep experience in the transportation sector. Our specialized shuttle vehicle insurance program is backed by strong carrier relationships and a service-oriented team that understands the unique challenges of this niche. From underwriting to loss control, we deliver responsive, knowledgeable support to help you close and retain accounts. Frequently Asked Questions What types of accounts are a good fit for this shuttle vehicle insurance program?Ideal accounts include shuttle and people-mover operations with annual premiums of $75,000 or more, such as fixed-route transit buses and non-EMT vehicles. Is incidental General Liability coverage available?Yes, incidental GL can be written in conjunction with the auto liability coverage for qualifying accounts. What are the submission requirements for this program?A complete submission includes ACORD forms, a Public Auto questionnaire, vehicle schedule, five years of loss runs, financials, and driver/MVR information. What carrier backs this program?The program is backed by an A+ XV rated admitted carrier, offering financial strength and claims reliability. Is this program available nationwide?Yes, this shuttle vehicle insurance 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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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.

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.

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Cochrane & Company offers a focused, non-admitted Hired & Non-Owned Auto Insurance program that helps agents and brokers place auto liability and excess liability for businesses that rely on rented or personally owned vehicles for operations. The program is designed for risks where the client needs liability protection for drivers or hired vehicles they do not own, and it’s structured to complement a driver’s personal insurance or a primary business auto policy. Ideal Accounts and Appetite This program fits small to mid-sized businesses that make regular local deliveries or service calls using non-owned vehicles. Typical target classes include: Food delivery services Auto parts couriers Bakeries Florists Home health care providers and mobile caregivers You can place single-location businesses or accounts with multiple locations across the eligible states. For example, a home health care agency with nurses or aides who use personal vehicles for client visits can benefit from Hired & Non-Owned liability placed through this program. Restricted Classes Underwriting limits this program from accepting certain higher-exposure classes. Ineligible or restricted accounts typically include: Realtors and real estate brokerages Timed or expedited delivery services (high-frequency, guaranteed-time deliveries) Human transportation operations (rideshare, shuttle or taxi services) Trucking operations (vehicles beyond light pickups) Sales forces and temporary staffing agencies with mobile workforces Coverage Highlights and Advantages Hired & Non-Owned Auto liability limits available up to $7 million Excess and umbrella layers available to increase protection Flexible structures — standalone program or layered over driver's personal insurance or a primary business policy No receipt restrictions on hired vehicle coverage Minimum premiums available from approximately $2,430 (varies by limit and structure) Low deductibles or Self-Insured Retentions (SIRs) can be accommodated Designed to serve both localized accounts and larger regional/national placements within eligible states Underwriting Notes and Minimum Premiums This non-admitted program gives underwriters flexibility to structure pricing and terms to match account needs. Minimum premium levels start around $2,430 for lower limits, but final pricing depends on exposure, limits, claims history, and whether coverage will be written as excess over a primary policy or over drivers’ personal auto policies. Provide complete loss runs and details about delivery frequency and driver screening to get accurate terms quickly. Available States The program is available in: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Cochrane & Company brings regional underwriting expertise across these western and mountain states. Why Work With Cochrane & Company? As a Managing General Agency with deep commercial auto experience, Cochrane & Company pairs responsive underwriting with access to multiple carrier partners for hired and non-owned exposures. Agents benefit from tailored program structures, experienced risk selection, and practical placement options when traditional admitted markets are constrained. Have questions about Hired & Non-Owned Auto Insurance or need help placing a specific account? Please contact us! Frequently Asked Questions What types of accounts are a good fit for this Hired & Non-Owned Auto Insurance program?Good fits include businesses that use employee-owned or rented vehicles for routine work—examples are food delivery services, auto parts couriers, florists, bakeries, and home health care providers that don’t maintain a company-owned fleet. Are there any industries that are ineligible for this program?Yes. The program generally excludes real estate agencies, timed/expedited delivery operations, human transportation risks (rideshare/shuttle), heavy trucking operations (beyond pickups), and staffing agencies with mobile sales forces. What is the minimum premium for this program?Minimum premium starts at approximately $2,430 for a $100,000 limit, but final premiums depend on the account’s exposure, limits, and how the coverage is structured. Can this program be written as excess over the driver's personal insurance?Yes. Policies can be structured as excess over a primary business policy or over drivers’ personal auto insurance, depending on underwriting approval and the account’s needs. In which states is this program available?The program is available in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Need help placing an account? Connect with a market specialist.