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

Transportation Services Insurance Program from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a dedicated Transportation Services Insurance program for agents and brokers placing large commercial auto and public transportation risks. Through access to an A+ XV-rated admitted carrier, the program provides high-limit auto liability (up to $5 million) and physical damage coverage for a broad range of transportation accounts. Ideal Accounts and Appetite This program targets larger transportation operations with minimum premium thresholds. Typical fits include: Shuttle services and fixed-route transit buses (non-EMT vehicles) — generally starting at $75,000 minimum premium Taxi fleets, for-hire passenger transport, and regional trucking operations — generally starting at $200,000 minimum premium Examples: you might place a mid-size airport shuttle fleet with passenger exposure and physical-damage needs, or a regional trucking firm seeking high-limit liability and specialized loss control services. Accounts with smaller premiums or high-frequency, small-loss exposures may not be a fit. Coverage Highlights and Advantages Auto liability limits available up to $5 million Physical damage coverage included Low-deductible options available Optional incidental General Liability available Competitive pricing from an admitted A+ XV-rated carrier Responsive claims handling and dedicated loss-control support Underwriting Requirements and Submission Guidelines To obtain a quote, provide a complete submission package. Required items typically include: ACORD forms: 125, 127, 137, and ACORD 126 if incidental GL is requested Completed Public Auto or Trucker’s Questionnaire Full vehicle schedule (description, garaging address, primary usage, radius of operation, passenger counts, and cost new) Five years of currently valued loss runs Current financial statement Driver roster and current MVRs Minimum premiums vary by account type and fleet size; refer to the program minimums above when evaluating fit. Territories and Availability This transportation program is offered nationwide — available in all 50 states and the District of Columbia — through admitted paper provided by the A+ XV-rated carrier. Why Work with U.S. Risk on Transportation Accounts? U.S. Risk Insurance Group is an experienced excess & surplus lines broker with deep transportation expertise and strong carrier relationships. The firm focuses on larger, more complex accounts and offers access to admitted markets that can provide higher limits and broad coverage. Agents benefit from focused underwriting, practical loss-control guidance, and dedicated claims advocacy when needed. If you have a larger shuttle, transit, taxi, or trucking account that requires admitted paper, high limits, or tailored physical-damage options, U.S. Risk's Transportation Services program is built to help you place it. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?The program is best for larger transportation operations — shuttle services, fixed-route transit buses (non-EMT), taxi and for-hire fleets, and trucking companies that meet the program's minimum premium thresholds. Is this program available in all states?Yes. The Transportation Services Insurance program is available in all 50 states and the District of Columbia. What carrier underwrites this program?An A+ XV-rated admitted carrier underwrites the program, providing admitted paper with competitive coverage and financial strength. What documentation is required for a submission?Provide ACORD applications, the completed transportation questionnaire, a full vehicle schedule, five years of loss runs, current financials, and driver MVRs to receive a quote. Can incidental General Liability be included?Yes. Incidental GL is available on request; include ACORD 126 and any supporting loss or exposure details with your submission. Need help placing an account? Connect with a market specialist.

... solutions for operators such as shuttles, limousines, charter buses, and soci... social service transport, employee shuttles, and seasonal recreation transpor...

...rofit running scheduled commuter shuttles inside a metropolitan area—Colonial ...

... motel courtesy vans Airport shuttles and taxis Ambulances (emergency ...

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.

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.

...charter company that runs school shuttles — both are examples of accounts that...