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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.

...al Vehicles • Limousines • Black / Town Cars • Airport Shuttles Transportation H...

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Garage : Dealers and Non-Dealers Garage Liability Garage Keepers Legal Liability Dealers/Non-Dealers Parking Garages/Lots Towing Repair/Service Stations Valet Services Dealers Open Lot

...al backcountry, or seasonal resort towns, this program is accessible and adapt...

A package insurance solution for tow-truck operators Available on an admitted & non-admitted basis Trinity Underwriting Managers — part of the Amwins Underwriting division — offers a focused, one-stop Towing Insurance Program for professional, for-hire tow companies. This program is designed for tow operators that also perform approved ancillary operations such as auto repair, body work, salvage, storage, and fuel sales. Distribution is handled through a select group of retail brokers; use this market when your clients need a tailored towing package rather than a general commercial auto placement. Ideal accounts and appetite Established professional, for-hire tow companies that operate approved ancillary businesses (auto repair, body shop, salvage, storage, gas sales, etc.). Small and large fleets — single-truck operators up to multi-unit fleet accounts. Accounts with AAA contracts or police rotations will be considered when underwriting supports those exposures. Not a fit: New ventures or operations without an established operating history. Coverage highlights and program strengths Auto liability — up to $1,000,000 General liability — up to $1,000,000 Physical damage — up to $500,000 On-hook / cargo — up to $500,000 Garagekeepers — available on a legal liability or direct primary basis Excess limits available to enhance primary limits where needed This program consolidates the primary towing exposures into a single package, simplifying placement and billing while addressing common gaps between auto liability, on-hook/cargo, physical damage and garagekeepers coverage. Underwriting notes & minimum premium Underwriting focuses on demonstrated operations, loss history, vehicle mix, and the scope of ancillary services. The program accepts both admitted and non-admitted placements to provide flexibility across jurisdictions. Minimum premium: Varies by state and coverages — consult underwriting for state-specific minimums and eligibility requirements. Common factors underwriters review: Years in business and operating history (new ventures typically declined) Driver hiring, training and MVR controls Vehicle types (rotators, wreckers, flatbeds) and values Nature and limits of ancillary operations (repair, storage, salvage) Territories and availability The program is available in the following jurisdictions: 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. Placements may be admitted or non-admitted depending on state rules and carrier appetite. Why place towing business with Amwins Underwriting / Trinity Underwriting Managers Niche underwriting expertise in towing operations and related garage exposures. Single-stop package options that combine auto liability, physical damage, on-hook/cargo and garagekeepers coverage. Flexibility to consider a wide range of fleet sizes and ancillary operations. Access to admitted and non-admitted capacity where appropriate. Example scenarios that fit this program You have a 12-truck towing fleet that also operates a small repair shop and offers short-term vehicle storage — the program can bundle auto liability, on-hook/cargo and garagekeepers coverages with appropriate limits and excess capacity. An established single-operator wrecker under a police rotation wants combined physical damage and on-hook coverage with excess limits available — this program can be evaluated for admitted or non-admitted placement based on state availability and underwriting. Interested in learning more? Please visit our website. Frequently Asked Questions What types of towing accounts are a good fit for this program?Established, for-hire tow companies that operate approved ancillary businesses (repair, body shop, salvage, storage, fuel sales) and fleets of varying sizes. Accounts with proven operations and acceptable loss history are preferred; new ventures are typically not eligible. Are admitted policies available?Yes. The program offers admitted and non-admitted placements depending on the state and underwriting assessment. Availability by state should be confirmed with underwriting. What coverages and limits can I request?The program can include auto liability and general liability (up to $1M), physical damage and on-hook/cargo (up to $500K), garagekeepers (legal liability or direct primary), and excess limits where needed. Exact limits depend on underwriting and carrier availability. How do I submit an account for consideration?Submit full loss runs, vehicle schedules, details of ancillary operations, driver hiring and safety programs, and any contract exposures (AAA, police rotation). Underwriting will evaluate operations, vehicle mix and loss history to determine eligibility and pricing. Need help placing an account? Connect with a market specialist.

...operates a historic B&B in a small town with eight guest rooms and a small bre...

... a seasonal route through multiple towns — Colonial General can provide liabil...