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Excess Transportation Insurance Overview — Excess Transportation Insurance from Transportation Risk Services Transportation Risk Services (TRS) offers a focused Excess and Umbrella program for transportation fleets and specialty auto exposures. As an experienced managing general agency and wholesale broker, TRS places excess follow-form and umbrella limits for a broad range of truck, hazmat and specialty auto classes. Limits are available up to $5,000,000. This program is designed for retail agents and brokers seeking non-admitted/excess capacity and wholesale placement support. Targeted Classes and Ideal Accounts The program is targeted to common commercial transportation exposures and specialty fleets, including: Truck for Hire Local, intermediate, regional and long-haul truckers Fleets up to 500 units Hazmat Gasoline hauling & distribution Fuel oil hauling & distribution LPG hauling & distribution Fleets up to 500 units Specialty Auto Refuse haulers Ready-mix operations Moving & storage Auto carriers Contractor fleets Sand & gravel operations Delivery services and couriers Fleets up to 500 units Excluded classes: people haulers (bus, livery, taxi, ambulance), drive-away operations, hazardous chemical haulers and munitions. Coverage Highlights and Advantages Excess follow-form and umbrella solutions that mirror underlying terms to simplify placement and claims coordination. Limits available up to $5,000,000 based on class and underwriting criteria. Specialized appetite for fuel and LPG haulers as well as common specialty auto operations (refuse, ready-mix, auto carriers, moving). Wholesale/MGA support from TRS with national experience in transportation placements and markets that understand fleet exposures. Underwriting Notes and Minimum Premium Underwriting is class-specific. Typical underlying requirements include: Auto Liability (AL) — $1,000,000 CSL General Liability (GL) — $1,000,000 / $1,000,000 / $1,000,000 Employers Liability (EL) — $500,000 / $500,000 / $500,000 Underlying carriers must generally carry an A.M. Best rating of A- or better. Minimum premium: $5,000 (subject to underwriting). Territories and Placement Status This program is available through TRS in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, 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. Placement is handled on a non-admitted / E&S basis (confirm state filing requirements with TRS on submission). Submission and Service Send excess transportation risks to [email protected] for best consideration. TRS provides underwriting guidance, market broking and placement support for agents and brokers handling complex fleet and hazmat accounts. Why Work With Transportation Risk Services TRS is a transportation specialist with nationwide wholesale distribution and long experience placing auto liability excess and umbrella coverage for trucking and specialty fleets. Working with TRS gives you access to focused underwriting, markets that understand transportation exposures, and the ability to place larger excess limits for qualified accounts. Example scenarios where this program fits: You have a regional gasoline distributor with a 120-unit fleet that needs excess limits above a strong $1M primary program. Your client operates a 40-truck refuse and recycling fleet seeking umbrella protection and excess follow-form placement with experienced transportation underwriting. Transportation Risk Services (www.trsinsurance.com) is a leading transportation MGA and wholesale broker serving clients nationwide. TRS specializes in local, intermediate, long-haul and public automobile risks and offers a broad range of solutions including Auto Liability, General Liability, Physical Damage, Cargo, Garage, Contractor's Equipment, Warehouse Legal Liability, Umbrella, and Occupational Accident/Contingent Liability. Send your Excess Transportation Insurance risks to [email protected] Frequently Asked Questions What types of accounts are a good fit for this TRS excess program?Best fits include truck-for-hire fleets, fuel/gasoline/LPG haulers, and specialty auto operations like refuse, ready-mix, moving, auto carriers and delivery fleets — generally up to 500 units and with standard underlying protection. What underlying limits and carrier quality are required?Typical underlying requirements are $1,000,000 CSL for auto, $1M/$1M/$1M for general liability, and $500K for employers liability. Underlying carriers are generally required to have an A.M. Best rating of A- or better. What is the minimum premium and available excess limits?The program commonly carries a minimum premium of $5,000. Excess limits are available up to $5,000,000 subject to underwriting and class eligibility. Which states is the program available in and is it admitted?TRS places this excess program across a broad set of states (listed in the program materials). It is handled on a non-admitted / excess & surplus basis, so confirm state filing and producer requirements on submission. How should I submit an account for consideration?Provide complete loss runs, current policy forms and limits, a vehicle schedule, and a description of operations when you submit — this helps TRS underwrite efficiently and identify appropriate excess markets. Need help placing an account? Connect with a market specialist.

Policy Highlights for Transportation Services Insurance: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Transportation Services Insurance program designed specifically for non-emergency public transportation providers. Whether your clients operate limousine services, airport shuttles, or taxicab companies, this program helps protect against the unique exposures faced by commercial passenger transportation providers. Ideal Accounts and Appetite This program is ideal for businesses involved in the non-emergency transport of passengers. Target classes include: Limousine and executive car services Airport shuttle operators Taxi and cab companies Charter and private hire transportation providers Accounts with a focus on safety, experienced drivers, and well-maintained vehicles are preferred. High-volume fleets and single-vehicle operators may both be eligible depending on underwriting review. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis to suit different client needs. Highlights include: Commercial General Liability Primary limits up to $1,000,000 per occurrence / $2,000,000 aggregate $5,000 Medical Payments—Included Blanket Additional Insured Endorsement Excess or Umbrella limits up to $25,000,000 No deductible required Crime Coverage Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Property Coverage Basic, Broad, or Special Form Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown Inland Marine Accounts Receivable and Valuable Papers Outside Signs Replacement Cost or Actual Cash Value options Underwriting Notes Colonial General works with a variety of carriers to offer flexible solutions. Underwriting is handled in-house, allowing for responsive service and customized solutions. Some markets are admitted, depending on the state and risk profile. Minimum premiums vary by risk and coverage type. Contact underwriting for specifics on carrier appetite and submission requirements. Territories and Availability This Transportation Services Insurance program is available in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Why Work With Colonial General Insurance Agency As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise and strong market access to the transportation sector. Agents benefit from knowledgeable underwriting, responsive service, and the ability to place both standard and hard-to-place risks. Whether you're writing a small shuttle service or a growing taxi fleet, Colonial General provides the tools and support you need to serve your clients confidently. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets non-emergency passenger transport providers such as limousines, shuttles, and taxi services. In which states is the program available?Transportation Services Insurance is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both mono-line and package policies available?Yes, coverage can be written as a mono-line policy or as part of a package, depending on the client’s needs. What liability limits are offered?Primary liability limits go up to $1M per occurrence and $2M aggregate, with excess or umbrella limits available up to $25M. Is this program written on an admitted basis?Some markets are admitted depending on the state and risk type. Contact Colonial General for details on a specific account. Need help placing an account? Connect with a market specialist.

...sements tailored for truckers, transporters, dealers, and garage operations. ...

Workers' Compensation Solution for the Transportation Industry Overview — Amwins Underwriting: Workers' Compensation - Transportation Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator. The ASCS Trucking Program offers a consolidated solution that can cover a motor carrier’s full work-related injury exposure for employees and independent contractors. The program combines fleet workers’ compensation, occupational accident, contingent liability and corporate workers’ compensation into a single, streamlined placement. Coverage is provided through an A- XI rated carrier, with claims handled by industry specialists experienced in transportation losses. Ideal accounts and target classes Trucking operations—predominantly long-haul fleets, including auto transport, moving & storage, flatbed haulers, and refuse haulers Couriers and delivery services, including last-mile carriers that work with major platforms Bus companies (passenger transit and charter operations) Insureds in business for at least three years with an established safety program and full-time safety director Coverage highlights and advantages Single-program approach: places multiple related exposures (employee WC, occupational accident, contingent liability, corporate WC) together for consistent handling and policy terms Specialized claims handling through transportation-focused adjusters and teams Capacity with an A- XI rated carrier backing the program Flexible structure to address both employee and contractor exposures typical in transportation operations Underwriting notes and minimum premium The program generally targets established transportation operations with documented safety controls and satisfactory Department of Transportation (DOT) ratings. Minimum premium is $50,000; there is no stated maximum premium. Typical factors underwriters will review include loss history, driver hiring and monitoring practices, hours of service compliance, and whether a dedicated safety director is in place. Excluded operations: hazardous exposures such as gas hauling, explosives, liquid chemicals, or anhydrous ammonia are not accepted. Territories and availability This 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. It is positioned as a non-admitted placement (wholesale MGA capacity) to give broader flexibility where appropriate. Why place transportation accounts with Amwins Underwriting Underwriting expertise focused on specialty transportation risks and complex contractor/employee exposures Program structure that reduces the need to stack separate policies across multiple carriers Claims handled by specialists who understand transportation industry loss patterns, which can improve recovery and control costs Responsive wholesale support for agents placing larger or complex transportation risks Example accounts that frequently fit A regional long-haul trucking fleet with a dedicated safety director, three years in business, and a satisfactory DOT rating seeking a single program to cover employee and contractor injuries. A last-mile courier operation with mixed employee and independent-contractor drivers looking to consolidate occupational accident and contingent liability exposures into one placement. Interested in more detail? Visit the program page on the Amwins site: https://www.amwins.com/products/workers-compensation---transportation. Frequently Asked Questions What types of transportation accounts are a good fit for this program?Accounts that typically fit are established motor carriers and delivery operations with at least three years in business, a satisfactory DOT rating, and a full-time safety director. Long-haul trucking, flatbed and auto transport, moving & storage, refuse haulers, couriers/delivery services, and bus companies are core targets. Does the program cover independent contractors as well as employees?Yes. The program is designed to address both employee workers’ compensation and occupational accident coverage for independent contractors, along with contingent liability and corporate workers’ compensation components, all within one placement. What are the key underwriting requirements agents should prepare for?Underwriters will request at minimum: three years of loss history, DOT safety records, evidence of a safety program (including a full-time safety director), driver hiring and monitoring procedures, and details on operations to confirm no excluded hazardous exposures. What is the minimum premium and how is territory handled?Minimum premium for the program is $50,000. The program is available in the states listed on this storefront and is written through an admitted A- XI rated carrier as part of the Amwins underwriting platform; placement is typically handled on a wholesale/MGA basis to provide flexibility for larger or complex risks. Need help placing an account? Connect with a market specialist.

Transportation Pollution Liability (TPL) Insurance for Contractors Commercial Sector Insurance Brokers offers a focused Transportation Pollution Liability (TPL) program built for contractors who transport hazardous or pollutant materials as part of their operations. Whether you need a stand-alone TPL policy or a combined solution with Contractors Pollution Liability (CPL), this program addresses the coverage gap that can occur when pollution exposures arise during transport, loading, or unloading. Ideal Accounts and Appetite This program is designed for contractors and service providers that routinely move pollutant materials. Target classes include: Fuel and oil delivery contractors Environmental service and remediation firms Waste hauling companies Construction contractors transporting contaminated soil, chemicals, or other hazardous cargo We can handle small to mid-sized fleets as well as larger operations with more complex risk profiles. Typical fit: clients who make frequent fuel deliveries to job sites, haul contaminated soil away from excavations, or transport process chemicals as part of contracted services. Accounts that lack established fleet safety programs or that transport unapproved high-toxicity materials may be declined or require higher scrutiny. Coverage Highlights and Advantages Transportation Pollution Liability protects against property damage, third-party claims, and cleanup costs that result from pollution conditions caused by cargo in transit. Key coverages apply when the vehicle is being used in the insured’s operations, such as: Fuel or oil spills during transportation Accidental release of hazardous materials while en route Pollution incidents during loading or unloading at a job site Coverage can be written as a stand-alone TPL policy or paired with a Contractors Pollution Liability policy for broader environmental protection. With access to 15+ carriers, Commercial Sector Insurance Brokers provides flexible limits, endorsements, and tailored wording to match the insured’s exposure. Underwriting Notes and Minimum Premiums Minimum premiums start at $5,000 and vary by account size, cargo type, frequency of trips, and chosen coverage structure. Underwriting focuses on: Nature and quantity of materials transported Trip frequency and typical routes Fleet safety history, driver hiring and training practices Onsite loading/unloading procedures and pollution controls Submissions should include details on vehicle usage, specific cargo types, safety procedures, loss history, and any existing pollution or motor liability policies. Clean, complete submissions receive faster turnarounds. Territories and Availability This program is available in most states, through admitted and non-admitted carriers depending on state and market access. Coverage is currently offered in the following territories: AK, AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY and Washington, D.C. Admitted options are available in select states; where admitted placement is not possible we work through E&S markets. Why Work With Commercial Sector Insurance Brokers? As an experienced Excess & Surplus Lines broker, Commercial Sector Insurance Brokers specializes in placing niche and hard-to-place environmental risks. Our underwriting team understands the contractor transportation exposures that standard auto or general liability programs can miss. We offer: Direct access to 15+ carriers with pollution appetite Flexible admitted and non-admitted solutions where available Underwriting guidance to improve placement prospects Responsive service and quick turnaround on clean submissions Example scenarios: You may have a local fuel delivery contractor needing separate TPL limits because their primary auto policy excludes pollution—this program can provide targeted protection. Or you might place a remediation firm that transports excavated contaminated soil between sites and needs an integrated CPL + TPL package for full environmental liability coverage. Frequently Asked Questions What types of accounts are a good fit for this TPL program?Contractors who transport fuel, chemicals, or other pollutant materials—examples include fuel delivery companies, remediation firms, and construction contractors handling hazardous cargo. Can this coverage be written on a stand-alone basis?Yes. Transportation Pollution Liability is available as a stand-alone policy or can be packaged with a Contractors Pollution Liability (CPL) policy for broader environmental protection. What is the minimum premium for this program?Minimum premiums start at $5,000, though final pricing depends on cargo types, fleet size, loss history, and selected limits/terms. Is the program available in all states?The program is available in most states. Admitted and non-admitted options vary by state and carrier; we currently place business in over 45 states plus Washington, D.C. What information is needed to submit an account?Provide details on transported materials, vehicle usage, safety protocols, driver training, loss history, and any current pollution or motor liability policies. Need help placing an account? Connect with a market specialist.

MAXIMUM’s Transportation 1-10 Unit program is designed to meet the unique needs of small fleet operators across the country. With a team comprised of industry veterans—including former truckers, specialist underwriters, and retail agents—we bring unmatched real-world insight to help you place transportation accounts with confidence. Solution-Driven Coverage for Transportation Risks Transporting goods and property over the road comes with significant exposure to liability, damage, theft, and more. Our solution-oriented approach allows us to respond quickly and precisely to your clients’ challenges—whether they’re launching a new venture or managing an existing fleet of up to 10 power units. Available Coverages: • Auto Liability • Non-Trucking Liability • Physical Damage • Motor Truck Cargo • General Liability • Excess Liability • And More! Product Advantages: • Pay Plans Available • Multi-line Coverage Packages • Combined Physical Damage/Motor Truck Cargo Deductible Options • Deductibles as Low as $1,000 for Physical Damage and Cargo • Select Carriers Offer Loss Control Services, Roadside Assistance Discounts, Enhanced Physical Damage and Mobile Claims Apps • All Carriers Rated A- or Better by AM Best Ideal Accounts and Target Classes This program is tailored for small to mid-sized transportation businesses operating 1 to 10 power units. Whether your client is focused on regional hauling or long-haul freight, we can help structure the right coverage package. Common target classes include: • Dry Van • Refrigerated • Intermodal • Tanker • Flatbed • Auto Haulers • Grain • Dump • Household Goods • Frac Sand • And More! Underwriting Guidelines • 1–10 Power Units • Available in all states except Massachusetts • Prefer two years in business, but new ventures considered in select states • Any radius of operation (local, regional, or long-haul) For example, you might have a client with a flatbed operation running five units across multiple states or a new refrigerated hauler ready to launch in the Southeast—both could be a match for this program. States Available This program is offered in most states across the U.S., excluding Massachusetts. Coverage is available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, 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 MAXIMUM? With over 100 years of combined experience, MAXIMUM is a trusted wholesale broker known for navigating complex transportation risks. Our agile underwriting, broad market access, and deep industry knowledge make us a reliable partner for agents nationwide. We understand the transportation business from the inside out—let us help you steer your clients toward the right solution. Count on us for your Transportation 1–10 unit risks! With our 100 years of combined experience, let us be the lead driver to meet your client’s needs. Send us an email or give us a call today to discuss how we can help and assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?We target transportation operations with 1–10 power units including dry van, flatbed, refrigerated, intermodal, and auto haulers. Can new ventures apply for coverage?Yes, we can consider new ventures in certain states even though we typically prefer two years in business. Is this program available nationwide?It is available in most states across the U.S., excluding Massachusetts. What are some key benefits offered through this program?Advantages include low deductibles, combined coverage options, pay plans, and access to carriers with loss control and mobile claims tools. What types of commodities or cargo are accepted?We can accommodate a wide range of commodities, including general freight, refrigerated goods, household items, and more. Contact us for specifics. Need help placing an account? Connect with a market specialist.

Policy Highlights: Transporting heavy equipment involves significant risk, and your clients need specialized cargo insurance that can keep up with the complexity of their operations. Colonial General Insurance Agency, Inc. offers a tailored Heavy Equipment Transport Insurance program designed specifically for this sector. With flexible underwriting, broad market access, and competitive coverage options, Colonial General helps agents place hard-to-insure risks efficiently and confidently. Ideal Accounts and Appetite This program is ideal for motor carriers, independent owner-operators, and specialized transport companies involved in hauling construction equipment, agricultural machinery, industrial tools, or other oversized loads. Whether your client is transporting bulldozers across state lines or moving refrigerated units to a job site, this program has the flexibility and capacity to meet a wide range of needs. Colonial General is a strong partner for accounts that: Transport heavy, oversized, or high-value equipment Operate regionally or nationally, including long-haul operations Require excess cargo limits or custom coverage features Coverage Highlights and Advantages Colonial General provides access to a broad set of coverage options that go beyond standard cargo insurance: Unlimited radius on all mono-line cargo policies Excess coverage available over primary cargo limits up to $750,000 Cargo limits up to $100,000, including refrigerator breakdown coverage This program is especially effective for clients needing flexible limits and specialized endorsements for refrigeration and equipment breakdown exposures. Underwriting Notes and Minimum Premiums Underwriting is handled by experienced professionals who understand niche transportation risks. While minimum premiums may vary based on account specifics, the program is structured to accommodate a range of account sizes and operational complexities. Accounts with clean loss histories and well-documented safety protocols are viewed favorably in underwriting. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and non-admitted markets are available depending on the risk and jurisdiction. Why Work With Colonial General Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep experience in transportation-related risks. Their strong market relationships and responsive service make them an excellent partner for agents seeking to place heavy equipment transport accounts. Whether you're working on a single-unit hauler or a multi-vehicle fleet, Colonial General provides the expertise and market access to get the job done. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include motor carriers, owner-operators, and transport companies that haul heavy machinery, construction equipment, agricultural equipment, and similar oversized loads. What is the maximum cargo limit available?The program offers cargo coverage limits up to $100,000, with options for excess coverage up to $750,000 over the primary limit. Is this program available in my state?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by risk type and carrier appetite. Does the policy include coverage for refrigeration breakdown?Yes, refrigerator breakdown is included within the cargo limits, making it suitable for accounts transporting temperature-sensitive equipment. Can I write just the cargo coverage through this program?Yes, mono-line cargo policies are available with unlimited radius, making it a flexible solution for standalone cargo needs. Need help placing an account? Connect with a market specialist.

Commercial Auto Liability Insurance Transportation Risk Services (TRS) offers a focused Commercial Auto Liability Insurance program for retail agents and brokers placing transportation-related risks. As a Managing General Agency and Excess & Surplus Lines broker, TRS provides access to both admitted and non-admitted paper through an A+ (Superior) rated carrier, giving you underwriting flexibility and financial strength across a broad range of accounts. Ideal Accounts and Appetite TRS places both standard and hard-to-place commercial auto liability risks. The program fits a wide range of transportation classes, including: Contractor fleets New ventures with well-documented business plans Cement mixers and building materials dealers Courier and delivery services (parcels & documents) Container haulers and sand & gravel haulers Ambulance services (emergency and non-emergency) Hotel/motel courtesy vans and airport shuttles Taxis, limousines, and party buses (no stripper poles) Local and intermediate trucking (up to 500 miles) Selective long-haul fleets (over 40 units) TRS also evaluates niche transportation segments such as prisoner transport, garbage hauling, Drive Away & Toters, and selective fuel haulers. If you have a specialized risk, submit the details—TRS can often find creative placements. Coverage Highlights and Advantages The program offers flexible underwriting supported by an A+ rated carrier. Coverage can be placed on admitted paper in most states and non-admitted where required. Policies are structured to address operational exposures common to trucking, public auto, and specialty transport operations—liability limits, tailored endorsements, and layered programs are available as appropriate. Beyond Auto Liability, TRS can help place related products including Physical Damage, Cargo, General Liability, Garage, Contractor’s Equipment, Warehouse Legal Liability, Umbrella, and Occupational Accident/Contingent Liability. Underwriting Notes and Minimum Premiums The minimum premium for this program is $50,000, so it is best suited for mid-sized to large accounts that need comprehensive liability protection. TRS will consider new ventures that present a solid operating plan and favorable underwriting factors. Accounts with limited prior coverage history may be acceptable if safety controls, loss control programs, and management practices are strong. Unacceptable Risks To preserve underwriting integrity, the following classes are not eligible: Non-owned employee staffing Uber and rideshare services Individual trip risks Visiting nurse services Franchised auto dealers Pizza or fast food delivery Railroad employee transportation Risks with hydraulic fracturing exposure If you are unsure whether a specific class is eligible, contact TRS for clarification. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, GA, and PA. TRS serves clients nationwide and can place risks in the 48 contiguous states plus AK, HI, and DC, using admitted or non-admitted paper as appropriate. Why Work With Transportation Risk Services Based in Barrington, IL, TRS is a niche MGA and wholesale broker with deep relationships in the trucking and public auto markets. Agents benefit from TRS’s underwriting expertise, market access, and experience structuring layered and specialty programs. TRS provides practical guidance on exposures, loss-control expectations, and submissions to help get challenging accounts placed. Example scenarios where this program performs well: You have a regional contractor fleet of mixed-use trucks with solid safety programs seeking high-limit liability and physical damage options. An ambulance operator expanding into non-emergency medical transport needs combined auto liability and occupational accident solutions and has a detailed training and maintenance plan. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto Liability program?This program is ideal for contractor fleets, local and intermediate trucking, delivery services, ambulances, taxis, limos, and selective long-haul fleets with more than 40 units. Is this program available to new ventures?Yes. TRS will consider new ventures that present strong business plans, effective safety programs, and sound operational controls. Each submission is reviewed on its merits. What is the minimum premium for this program?Minimum premium starts at $50,000, making the program suitable for mid-sized and larger commercial auto accounts requiring substantive liability limits and coverages. What types of risks are not eligible for this program?Unacceptable risks include Uber/rideshare services, fast food delivery, franchised dealers, visiting nurse services, non-owned employee staffing, and accounts with hydraulic fracturing exposure. In which states is this program offered?TRS offers this program in most states across the U.S., with admitted options where available and non-admitted placements where necessary. Need help placing an account? Connect with a market specialist.

With up to 20 trips a day, Non-Emergency Medical Transportation (NEMT) drivers transport patients between hospitals, nursing homes, and outpatient care facilities. The fast-paced environment and high volume of trips increase the risk of on-the-job accidents and injuries. Even well-trained professionals can encounter hazards caused by distracted drivers, time pressure, or unpredictable road conditions. That’s why having the right Workers Compensation Insurance is essential for NEMT businesses—and why agents need a trusted market for these accounts. Novatae Risk Group, through its partnership with Empire Underwriters and an “A”-rated carrier, offers a dedicated Workers Compensation Insurance program designed specifically for the Non-Emergency Medical Transportation industry. Backed by over 30 years of experience in this niche, we understand the exposures your clients face and can help you place coverage quickly and efficiently. Ideal Accounts and Appetite Non-Emergency Medical Transportation (NEMT) companies with professional drivers Accounts with multiple vehicles and daily transport schedules Operations with prior coverage and a loss history that can be reviewed Whether you're working with a small provider or a multi-vehicle operation, this program is designed to handle the unique risks of NEMT services. For example, you may have a client running scheduled transports for dialysis patients or post-acute care facilities—this program was built to meet those needs. Coverage Highlights and Advantages Coverage available in over 20 states Fast quote turnaround with completed submissions 10% commission for agents Backed by an “A”-rated insurance carrier We understand the urgency and complexity of Workers Compensation coverage for transportation risks. Our streamlined underwriting process and knowledgeable team help you deliver competitive quotes and dependable protection to your clients quickly. Underwriting Requirements and Minimum Premium Minimum premium: $7,500 Required submission documents include: Acord 130 Three years of loss runs Supplemental questionnaire Details on any large losses The more complete the submission, the faster we can turn around a quote. Our team is ready to help you navigate the process and find solutions for even the most challenging accounts. Territories and Market Access This Workers Compensation program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Novatae Risk Group works with both admitted and non-admitted carriers to provide flexible solutions across a wide geographic footprint. Why Choose Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep expertise and market access to the NEMT sector. Our long-standing relationships with carriers and our focused underwriting allow us to provide tailored solutions for complex transportation risks. We make it easy for agents to access competitive Workers Compensation coverage for their NEMT clients—supported by a responsive team, fast turnaround, and strong commissions. Need a Workers Compensation quote for your NEMT client? Send your submission to [email protected] or call 800-758-8113 to speak directly with an experienced underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for Non-Emergency Medical Transportation companies that operate multiple vehicles and transport patients between medical facilities on a regular schedule. What states is this Workers Compensation program available in?Coverage is available in over 20 states, including CA, FL, TX, NY, and others across the South, Midwest, and East Coast. What is the minimum premium for eligible accounts?The minimum premium for this program is $7,500. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received, including Acord 130, loss runs, and supplemental details. Who should I contact with questions or submissions?You can reach out via email at [email protected] or call 800-758-8113 to speak with an experienced underwriter. Need help placing an account? Connect with a market specialist.

Monarch Partners Group LLC (MPG) has delivered standard and alternative market workers’ compensation solutions for more than 25 years. As a program administrator, MPG helps agents and brokers nationwide place complex and hard-to-place workers’ compensation risks—with deep experience in the Transportation industry. Overview of the Transportation Workers' Compensation Program MPG provides workers’ compensation programs crafted for transportation-based businesses, including high-risk classes, elevated experience modifications, prior coverage lapses, and large-premium accounts. A flagship option is the Payroll Opt-out Work Comp Program (POWC), intended for transportation risks with a POWC minimum premium of $100,000. POWC lets insureds retain their own payroll and tax functions while accessing competitive WC pricing and program features under a master policy. Ideal Accounts and Appetite This program is particularly effective for agents placing the following types of transportation accounts: Trucking and logistics firms with annual workers’ comp premiums of $50,000 or more Accounts with high-cost class codes or elevated debit X-mods Hard-to-place, distressed, or high-severity loss histories New ventures or operations with prior coverage lapses or midterm cancellations Multi-state operations needing broad jurisdictional coverage Example: You might have a regional trucking client with a history of high loss ratios and a challenging X-mod. MPG’s POWC can provide a market alternative when standard carriers decline or price coverage prohibitively. Program Features and Benefits Master workers’ comp policy structure—Offers access to a favorable collective X-mod through the POWC entity Premium-only model—Insureds manage payroll, tax filings, and banking themselves No year-end premium audits—Reduces administrative burden Pay-as-you-go billing—Improves cash flow and premium handling “A” rated carrier partners—Provides reliable paper for placements Broad class code eligibility—Includes many higher-risk transportation classifications Dedicated risk management services—Custom programs to help reduce frequency and severity Optional HR, payroll processing, and funding services—Available if clients prefer outsourced support Underwriting Requirements and Minimum Premiums POWC submissions generally require a minimum premium of $100,000. Standard submission items include: ACORD 130 Three years of currently valued loss runs (summaries preferred) Current policy declarations or rate pages Experience modification (Xmod) sheet Any additional information that clarifies exposures or recent loss-control efforts Territories and Availability MPG’s workers’ compensation programs are available nationwide, including all 50 states and Washington, D.C. The program accommodates single-state and multi-state operations and can be structured to meet varied jurisdictional requirements. Why Partner With Monarch Partners Group? MPG focuses on hard-to-place transportation risks and complex workers’ compensation placements. Agents benefit from fast turnaround, flexible program designs, in-house underwriting, and broad market access. Competitive compensation and a responsive underwriting team make MPG a practical choice when standard markets are limited or unavailable. To learn more, visit the Monarch Partners Group LLC profile or review the Transportation Workers' Compensation Insurance program. Frequently Asked Questions What types of transportation accounts are best suited for this program?This program is ideal for trucking, logistics, and other transportation-related businesses with high Xmods, higher-risk class codes, and premiums of $50,000 or more. What is the Payroll Opt-out Work Comp Program (POWC)?The POWC lets clients opt out of payroll and tax services while still accessing a master workers' comp policy, favorable Xmod treatment, and pay-as-you-go premium billing. Can new ventures or businesses with lapses in coverage apply?Yes. MPG considers new ventures and businesses with prior coverage lapses or midterm cancellations, subject to underwriting review and documentation. Are all states covered under this program?Yes. The program is offered in all 50 states and Washington, D.C., allowing coverage for multi-state operations. What submission documents are required?Provide an ACORD 130, three years of loss runs, current policy declarations or rate pages, an Xmod sheet, and any other details that clarify the risk. Need help placing an account? Connect with a market specialist.