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Overview — Roundstone Livery Program Roundstone’s Livery program is an admitted commercial auto liability solution designed for limousines, black car services and the taxi industry. The program bundles core transportation exposures — automotive liability and physical damage — with complementary coverages agents often need for these classes: general liability, garage liability, garagekeeper’s legal liability, excess/umbrella liability and property coverage. Offered through Roundstone’s admitted, captive platform, this program is positioned for agents placing chauffeured and for-hire passenger transportation risks across the country. Ideal Accounts and Appetite Chauffeured black car and limousine fleets (small to mid-sized operations) Traditional taxi operators and medallion fleets Operators that also maintain a repair or dispatch facility and need garage/garagekeeper protections Accounts seeking admitted paper with coordinated auto and liability limits Roundstone typically looks for operations with documented driver hiring and training practices, reasonable vehicle age and maintenance programs, and stable loss histories. Risks with routine business-to-business contracts, airport service routes, and scheduled chauffeured work often fit well. High-hazard uses — such as emergency medical transport, heavy-duty hauling, or operations that handle hazardous materials — are not primary targets for this program. Coverage Highlights and Advantages Automotive Liability: Primary coverage for third-party bodily injury and property damage arising from for-hire passenger operations. Physical Damage: Comprehensive and collision options to protect fleet vehicles, with flexible deductible choices. General Liability: On-premises and operations coverage to complement auto liability for passenger exposures. Garage & Garagekeeper’s Legal Liability: Designed for livery operators who perform vehicle servicing, maintenance or store customer vehicles. Excess/Umbrella: Additional limits over the primary auto and general liability layers for catastrophic losses. Property Coverage: Covers physical assets such as dispatch offices, maintenance shops and business personal property. The integrated package reduces gaps between auto and premises exposures and simplifies billing and policy administration by keeping coverages within a single admitted program. Underwriting Notes Submit current loss runs (typically 3–5 years), driver lists with MVRs, vehicle schedules and an explanation of operations/dispatching. Underwriters evaluate fleet size, vehicle age, driver screening and training, hours of operation, and primary service routes (e.g., airport vs. local street service). Remedial requirements may include driver safety programs, telematics installation, or specific maintenance documentation for certain accounts. Because this program is admitted and carrier-appointed in all available states, paperwork and endorsements will follow admitted market rules for each jurisdiction. Territories and Availability Roundstone’s Livery program is available in all listed states and the District of Columbia: 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. Coverage is placed on admitted paper with carriers appointed to write in those states. Why Work With Roundstone on Livery Business? Specialized program underwriting focused on chauffeured and taxi-class exposures. Admitted solutions across a broad territory simplify compliance and claims handling for agents and insureds. Ability to combine auto, liability and garage exposures in a single submission — reducing gaps and administrative complexity. Responsive underwriting for renewal discussions and loss mitigation recommendations tailored to livery operations. Example scenarios: You might have a 12-vehicle black car fleet that needs coordinated auto liability, physical damage and an umbrella for airport contracts. Or a six-vehicle taxi operator that also maintains a small shop and needs garagekeeper and property coverage — both could be submitted to Roundstone’s Livery program for review. Frequently Asked Questions What types of accounts are a good fit for the Roundstone Livery program?Chauffeured black car and limousine fleets, taxi operators and small-to-mid-size for-hire passenger services that have documented driver screening, routine maintenance programs and relatively stable loss histories. What submission materials does Roundstone require?Typical items include 3–5 years of loss runs, a current vehicle schedule, driver list with MVRs, description of operations/dispatch practices, and details on any on-site maintenance or storage facilities. Is this offered on admitted paper in my state?Yes. The Livery program is offered on admitted carriers and is available in the states and District of Columbia listed in the storefront. Coverage and endorsements will follow admitted market rules for each jurisdiction. How does the program handle garage and garagekeeper exposures?The program can include garage liability and garagekeeper’s legal liability when the insured operates a shop, performs maintenance, or stores customer vehicles. Underwriters will review the scope of shop operations and may request specific controls or limits based on exposure. Need help placing an account? Connect with a market specialist.

LIMOUSINE INSURANCE FROM PROTRANS, INC. Since 1997, ProTrans, Inc. has been a trusted provider of specialized limo insurance solutions across the United States. As a premier transportation-focused wholesale broker and program manager, our expertise and carrier access make us a go-to market for agents and brokers looking to place limousine and car service accounts. Overview of the Program From VAIL and ProTrans Through our partnership with VAIL (Value Added Insurance Lines), ProTrans offers exclusive limousine insurance programs tailored to meet the complex needs of commercial operators—from single-vehicle car services to national fleet operators. Whether your client operates in a major metro area or a smaller regional market, we have the flexibility and coverage breadth to help you secure the right protection at a competitive price. Ideal Accounts and Appetite ProTrans' limo insurance program is designed for a wide range of transportation businesses, including: Traditional limousine services Luxury black car services Executive shuttle and private hire vehicles Fleet operators with multiple vehicles across states Both employee-operated and independent contractor models are eligible, and we can accommodate accounts with varying risk profiles. Coverage Highlights and Advantages Our limo insurance solutions are comprehensive and flexible enough to meet the demands of today’s transportation industry. Key program features include: All-inclusive coverage options on a regional and national basis Bonding for employees and independent operators available up to $5 million Workers’ Compensation Insurance tailored for the transportation sector Occupational Disease and Accident Insurance We understand the unique exposures faced by limo operators—passenger liability, driver safety, and vehicle protection—and have designed our offerings to address those needs head-on. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on account size, geography, and risk characteristics. Our experienced underwriters evaluate each submission individually to ensure optimal coverage and pricing. We are especially competitive in both hard and soft market cycles. Territories and Availability This program is available in nearly every U.S. state, including DC. We currently write business in: 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. Why Work With VAIL and ProTrans? When you partner with VAIL and ProTrans, you gain access to one of the nation’s most established and specialized transportation insurance programs. Our dedicated service, industry knowledge, and commitment to agent success make us a preferred market for limousine risks. Whether you're placing a startup black car business in New York or a large multi-state fleet, we have the underwriting expertise and market access to help you close the deal. Contact ProTrans today to learn more about our exclusive limousine insurance solutions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for limousine services, black car operators, executive shuttles, and multi-vehicle fleets operating locally or nationally. Is this program available in all states?Yes, the program is available in most U.S. states, including DC. Please contact us to confirm availability in specific states. Do you offer coverage for independent contractors?Yes, we offer bonding and coverage solutions for both employee drivers and independent operators. What is the minimum premium required?Minimum premiums vary by account size, location, and risk profile. Our underwriting team evaluates each case individually. Can you handle accounts with more than one vehicle?Absolutely. We are equipped to handle single-vehicle accounts as well as large fleets with comprehensive national coverage. Need help placing an account? Connect with a market specialist.

Allied American Underwriters (AAU) is a specialty product provider and commercial lines program manager. Currently, there are five divisions: Workers Compensation, Programs, Environmental, Personal Lines, and Bonds. AAU can consider standard workers' comp, hazardous workers' comp, staffing workers' comp, USL&H workers' comp, and large account workers' comp. Programs consist of Commercial Storage Tanks, Dealers Storage Tanks, Dance Schools, Educational Institutions, Non-Profit and Human Services, Religious Institutions, Security and Alarm, Special Events, and Youth & Adult Team Sports. AAU takes great pride in playing an integral part in the growth of your agency to develop a book of business together. AAU is a division of USG Insurance Services, Inc., a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. AAU's flagship office is located in Canonsburg, Pennsylvania. Targeted Classes Include: Beer Gardens/Beer Tents Concerts/Musical Performances Festivals Parties Sporting Events Motor Vehicle Events Car Shows Conventions/Trade Shows/Exhibits Fund Raisers Parades Picnics Weddings/Receptions Other Miscellaneous Events Coverages: Casualty Liquor Liability Volunteers, Temporary or Leased Workers, and Committee Members Food & Beverage Product Liability Medical Payments Damage to Rented Premises Property Owner can be Included as Additional Insured Inland Marine

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