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Overview — U.S. Risk Transit Bus Insurance U.S. Risk Insurance Group, Inc. offers a selective market for buses, focused on shuttle, people-mover and fixed-route transit business. This program places with an A+XV admitted carrier able to quote up to $5 million in auto liability limits (including physical damage) with very low deductibles. Incidental commercial general liability (GL) can be written together with the auto coverage. The market emphasizes competitive pricing, experienced claims handling and dedicated loss-control services. Ideal Accounts and Appetite Shuttle operators, airport shuttles and hotel/corporate people-movers. Fixed-route transit buses and municipal people movers (non-EMT vehicles). Accounts with professional fleet management, formal driver hiring/training programs, and regular maintenance records. Minimum emphasis on high-hazard operations — heavier exposures (specialty sightseeing, school routes with irregular controls, paratransit with medical attendants) should be discussed with underwriting first. Coverage Highlights and Advantages Auto liability up to $5 million (including physical damage) from an admitted A+XV carrier. Low deductibles available to meet fleet operator needs. Optional incidental GL written with the auto policy when needed. Access to seasoned claims and loss-control services to help manage frequency and severity. Competitive pricing for accounts that meet the program’s submission standards. Underwriting Notes and Submission Requirements U.S. Risk requires a complete submission for review. The program typically targets accounts with annual premium potential of $75,000 or more (shuttle and people-mover accounts, including fixed-route transit buses and non-EMT vehicles). Incomplete files will delay or prevent quotation. Provide the following fully completed items with each submission: ACORD applications — 125, 127, 137 (and ACORD 126 if incidental GL is requested). A Public Auto questionnaire. A complete vehicle schedule with description, garaging location, primary use, operating radius, passenger capacity and cost new. Five years of currently valued loss runs. Current financial statement for the named insured. Current driver roster and MVRs. Territories and Availability This program is available in the following states and territories: 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. The carrier is admitted and the placement will reflect admitted policy forms where available. U.S. Risk acts as an excess & surplus lines broker/program administrator for specialized placements as needed. Why Place This Business With U.S. Risk Specialized underwriting for bus and shuttle exposures — underwriters understand the operational details that matter (routes, passenger counts, maintenance programs). Access to admitted capacity with high limits and low deductibles for qualified accounts. Ability to combine incidental GL with auto for cleaner policy administration. Support from claims and loss-control teams experienced in public and private transit operations. Example Accounts a Good Fit You might have a client that operates a 10-vehicle airport shuttle with professional driver training, up-to-date maintenance records and predictable fixed routes — this type of account typically fits the program’s appetite. Another fit would be a municipality running fixed-route people movers with strong safety programs and consolidated garaging locations. How to Submit Submit the complete package to U.S. Risk underwriters for review. Include all ACORDs, the public auto questionnaire, vehicle schedule, five years of loss runs, current financials and driver MVRs. Missing documents will slow the process. Frequently Asked Questions What types of bus accounts are a good fit for this U.S. Risk program?Shuttle and people-mover operations, including fixed-route transit buses and similar non-EMT vehicle fleets, are the primary targets. Accounts should demonstrate formal driver controls, routine maintenance and predictable operations. What must be included in a complete submission?A complete submission includes ACORD apps (125, 127, 137; and 126 if incidental GL is needed), a Public Auto questionnaire, a full vehicle schedule (description, garaging, use, radius, passengers, cost new), five years of currently valued loss runs, current financial statements, and a current drivers list with MVRs. What limits and deductible options are available?The admitted carrier can quote up to $5 million in auto liability limits (including physical damage) and offers low deductible options for qualifying accounts. Specific deductibles and limit availability depend on underwriting review of operations and loss history. Is this coverage available in my state?The program is available in the states and DC listed on this page. Availability can vary by account details, so provide the full submission for confirmation from underwriting. Need help placing an account? Connect with a market specialist.

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Artisan Contractors Workers Compensation Insurance — U.S. Risk Insurance Group, Inc. U.S. Risk Insurance Group partners with an A-rated carrier to offer a focused, competitively priced workers compensation market for artisan contractors. This program is designed for independent agents and brokers who need an admitted solution with flexible payment options, online servicing, and underwriting that understands trade contractors and small commercial operations. Overview of the Program This program provides guaranteed-cost policies and dividend plan options (available in FL). Key servicing features include online loss runs and responsive wholesale underwriting through U.S. Risk Insurance Group. The product is geared toward small-to-mid premium artisan contractors who require admitted paper and straightforward policy administration. Ideal Accounts and Appetite Small to medium-sized artisan contractors and trade contractors (e.g., carpenters, painters, electricians, plumbers, HVAC service techs) with predictable, controllable exposures. New ventures are eligible — the program will consider start-ups with appropriate underwriting information. Accounts coming out of PEO arrangements are eligible; PEO carve-outs are supported with required documentation. 24-hour shift work is eligible when it is the only exposure beyond standard operations. Coverage Highlights and Advantages Admitted coverage in the listed territories; placement through an A-rated carrier provides claims handling on an admitted basis where available. Product offerings include guaranteed cost policies and dividend plans (Florida only), giving options for agents looking to balance price and loss-sensitive programs. Online loss runs support quick quoting and underwriting referrals. Flexible payment options: direct bill or monthly self-reporting with a non-working payroll deposit. Underwriting Notes and Restrictions Underwriters look for clear, manageable risk profiles. Primary underwriting guidelines include: $2,000 minimum premium (no stated maximum). Group transportation limited to a maximum of five employees per vehicle. Height and underground work restrictions: no more than 20 feet / two stories above ground and no more than 6 feet below ground. Lapses in coverage must be referred to underwriting for review. No maximum experience modification — submissions with higher mods will be considered case-by-case. PEO carve-outs are available but require loss history, a signed PEO/client contract and amendment, and a labor endorsement. Ineligible exposures: domestic staffing, aviation operations, federal coverage, accounts with active tax liens or bankruptcies. Payment Plans Direct bill Monthly self-reporting with a non-working deposit Territories and Availability The program is available in the following states and territories: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Note: CA and OK are listed as limited/incidental or cannot be the governing state for the policy. Example Accounts That Fit You might have a small electrical contractor with three crews, steady payroll, and no history of regulatory or financial encumbrances — good candidate for a guaranteed-cost policy. A painting contractor in Florida with stable payroll and low loss frequency could benefit from the dividend plan option available in that state. Why Place This Business With U.S. Risk Insurance Group U.S. Risk provides wholesale distribution and program administration expertise focused on trade and artisan classes. The combination of admitted capacity, targeted underwriting, and practical servicing tools (online loss runs, monthly reporting) helps you place accounts that need admitted protection without unnecessary friction. Underwriters are experienced with PEO transitions and carve-outs, and the program accepts new ventures — giving you more options for clients who may not fit standard retail markets. Frequently Asked Questions What types of artisan contractors are a good fit for this program?Trades such as carpentry, painting, plumbing, HVAC service, electrical, and similar small-to-mid sized contractor operations with controllable field exposures are primary targets. New ventures and businesses exiting PEOs are eligible with proper documentation. What documentation is required for PEO carve-outs?For PEO carve-outs you must provide complete loss history, a signed PEO/client contract and amendment, and the labor endorsement. Underwriting will review prior payroll and claim history before acceptance. Are there height or excavation limits?Yes. The program restricts exposures to no more than 20 feet (or two stories) above ground and no more than 6 feet below ground. Submissions exceeding those limits should be referred to underwriting but may be ineligible. Which states is this program available in, and are CA or OK allowed?The program is available in the listed states (AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI). California and Oklahoma are limited/incidental or cannot be the governing state. What is the minimum premium and available payment options?Minimum premium is $2,000. Payment options include direct bill or monthly self-reporting with a non-working payroll deposit; underwriting can explain program-specific billing mechanics on submission. Need help placing an account? Connect with a market specialist.

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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.