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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.

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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.

Workers' Compensation Coverage for Non-Emergency Medical Transportation Accounts Keating offers a specialized Workers' Compensation program tailored for businesses that provide non-emergency medical transportation (NEMT) services. Whether your client operates wheelchair-accessible vans, provides transportation for disabled or elderly patients, or supports social service programs, this program is designed to meet the unique risks associated with these essential operations. Ideal Accounts and Appetite This program is a strong fit for a wide range of transportation providers, including: Non-emergency medical transportation (NEMT) companies Non-emergency ambulance services Social services and community transportation providers Handicapped and paratransit transportation operators Medical appointment and hospital shuttle services Accounts with established safety protocols, driver training, and a clean claims history are preferred. New ventures may be considered on a case-by-case basis, depending on experience and risk controls. Coverage Highlights and Advantages Keating partners with several carriers to offer access to multiple markets, providing agents with flexibility in placement and pricing. Coverage is available for employees such as drivers, attendants, dispatchers, and administrative staff. This program addresses common workers' compensation exposures in the NEMT industry, including lifting injuries, vehicle-related incidents, and repetitive motion claims. Key benefits include: Access to both admitted and non-admitted markets Competitive minimum premium starting at $10,000 Responsive underwriting and placement assistance Support for multi-state operators Underwriting Notes and Minimum Premiums The minimum premium for this Workers' Compensation program is $10,000. Risks are evaluated based on operational size, safety history, number of drivers, fleet details, and geographic scope. Keating’s underwriting team works closely with agents to assess each submission and identify the best fit among its carrier partners. Example accounts include: A regional NEMT provider transporting dialysis patients in multiple counties A nonprofit offering handicapped transport services as part of its community outreach programs Territories and Availability This program is available in the following states: AK, AL, AR, AZ, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NM, NV, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WV, and DC. Multi-state accounts are welcome, and Keating can assist with coordinating coverage across jurisdictions. Why Work With Keating? As a leading Brokerage General Agency, Keating brings deep expertise in placing complex Workers' Compensation risks. Their focus on transportation-related accounts, broad market access, and commitment to service make them a valuable partner for agents with NEMT clients. You can rely on their team to help you find the right fit for your accounts—whether you're working with a small fleet or a large regional operator. For more information about Keating, visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this Workers' Compensation program?This program is ideal for businesses providing non-emergency medical transportation, including wheelchair van services, social service transportation, and non-emergency ambulances. Is this program available in my state?The program is available in over 40 states, including FL, TX, CA, NY, and many others. Multi-state operations are also acceptable. What is the minimum premium for this program?The minimum premium starts at $10,000, though final pricing depends on underwriting factors such as number of employees, safety practices, and loss history. Can new ventures qualify for this program?Yes, new ventures may be considered depending on the owner’s experience, operational plans, and safety protocols. What carriers does Keating work with for this program?Keating works with several carriers across both admitted and non-admitted markets to find the best fit for each account. Need help placing an account? Connect with a market specialist.

Auto Transportation Insurance Atlantic Specialty Lines, Inc. (ASL) provides a focused Auto Transportation Insurance program built for agents and brokers who need flexible, competitive solutions for transportation clients. ASL’s underwriting team combines practical transportation experience with responsive service to place both standard accounts and harder-to-place risks. From local haulers to regional moving companies and long-haul operators, ASL offers coverage structures designed to match a variety of vehicle types and operations. Ideal Accounts and Appetite ASL’s program is tailored for a broad mix of commercial auto and transportation classes. Typical accounts include: Dump truck operators For-hire trucking companies Garbage and refuse collection vehicles Moving van services Non-emergency medical transportation providers Public livery operations Farm and agricultural vehicles Cement and logging trucks Additionally, ASL has appetite for artisan contractors and haulers, making the program a useful option for agents with mixed commercial auto books or specialty hauling needs. Coverage Highlights and Advantages ASL writes coverages on a package or monoline basis and can tailor terms to the operation and vehicle mix. Key coverages include: Primary Liability – Limits up to $1,000,000; operating radius options including local, intermediate and higher-mileage programs (radius options up to 500 miles where appropriate) Physical Damage – Flexible physical damage terms to fit trucks, tractors, trailers and specialty equipment Cargo – Coverage for loss or damage to transported goods for applicable classes Excess Liability – Layering options for accounts that need higher limits Radius Flexibility – Local, intermediate and unlimited options to match client operations These coverages help insureds manage liability exposure, protect rolling stock after a loss, and address cargo exposures that impact revenue and operations. Underwriting Notes and Minimum Premiums Underwriting evaluates each submission on its own merits, with attention to driving history, fleet composition, vehicle age, cargo type, and operating radius. ASL can consider more challenging risks, but complete submissions with loss runs, MVRs, vehicle schedules, and operation details will speed turnaround. Minimum premiums vary by class, coverages selected, and operating radius; discuss specifics with the underwriting team when submitting. Territories and Availability This Auto Transportation program is available in the following states: CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC. Coverage is placed through United States Liability and may be written on an excess & surplus lines basis where appropriate. Why Work With Atlantic Specialty Lines, Inc.? ASL is an experienced excess & surplus lines broker with deep transportation market access and a hands-on underwriting approach. Agents benefit from quick, practical underwriting responses, flexible coverage options, and the ability to handle both routine and complex auto transportation risks. The market is well-suited for brokers who need solutions for mixed fleets, specialty hauling, or accounts that require tailored radius and cargo terms. Example scenarios that fit the program: You have a regional moving company with a mix of tractors and straight trucks that needs primary liability, physical damage, and cargo coverage with an intermediate operating radius. You represent a small fleet of dump trucks and cement haulers with challenging loss history that require excess liability layers and bespoke physical damage terms. For agents looking to place transportation risks across the eastern U.S., ASL is a practical partner for obtaining competitive terms and handling non-standard exposures. Frequently Asked Questions What types of accounts are a good fit for this Auto Transportation program?ASL is a strong market for dump trucks, for-hire trucking, garbage trucks, moving vans, non-emergency medical transportation, and similar commercial auto risks. Can I submit accounts with unlimited operating radius?Yes. ASL offers local, intermediate, and unlimited operating radius options depending on the operation and underwriting criteria. Is this program available in all states?No. The program is available in select states listed above (primarily in the eastern U.S.). Refer to the states section for the full territory list. Are coverages available as monoline or only in package policies?Coverages may be written as a package or on a monoline basis to match your client’s needs and cover exposures appropriately. What carrier backs this program?This program is underwritten through United States Liability, providing financial backing for the offered terms. Need help placing an account? Connect with a market specialist.

Amwins Underwriting’s Environmental Transportation program helps agents place transportation accounts with potential pollution and spill exposures. The program is designed for fleets that move bulk liquids, dry commodities, fuel, waste, and other goods where a vehicle accident could create an environmental incident. Underwriting combines an admitted, A- XI rated carrier with flexible coverage options to protect both auto and environmental exposures. Ideal Accounts and Appetite For-hire petroleum transportation operations Operations with at least 10% transportation of hazardous materials that require placards (see Prohibited Exposures) Non-hazardous tank truck or tank trailer operations hauling bulk liquid or dry commodities Bulk food-grade commodities (dry or liquid bulk exposures >119 gallons, >450 liters, or >1,000 pounds) Hazardous and non-hazardous waste haulers (excluding garbage and refuse hauling) One- to 25-unit risks; available in most states (see Territories) What This Program Helps Manage This program addresses the key risks that transportation clients face when a spill or accident threatens pollution liability and third-party damages. It bundles standard commercial auto liability and physical damage with motor cargo and pollution-specific coverages so you can present a coordinated solution to trucking and hauling clients with bulk-product exposure. Coverages and Advantages No radius limitation on operations Auto Liability (limits to $1,000,000) Auto Physical Damage Motor Truck Cargo UM/UIM, medical payments, PIP, and statutory no-fault where required General Liability with optional Misdelivery of Liquid Products endorsement Auto Pollution Liability (form CA9948) Admitted paper from an A- XI rated carrier for placement confidence Limits and Availability Automobile liability: up to $1,000,000 General liability: up to $1,000,000 per occurrence / $2,000,000 aggregate Available in all states except AK, HI, MA, and NY Underwriting Requirements and Submission Guidance To submit an account, include complete commercial auto and loss-control details. Typical requirements: Commercial auto questionnaire — include hazard class and UN number of all hazardous commodities Minimum five years currently-valued loss runs Drivers schedule with dates of hire, years of experience, and MVRs for all drivers Vehicle schedule with year, make, model, body type, full VIN, stated amount, and garaging ZIP Target pricing by line of coverage Underwriters evaluate fleet safety metrics, hazmat handling procedures, routing, tank and valve maintenance, and cargo securement when considering terms. Heavy exposure to excluded classes (see below) will typically make accounts ineligible. Prohibited Exposures Class 2.3 Poisonous Gases Class 6.1 Packing Group 1 Class 6.2 Infectious Substances Class 7 Radioactive Materials Example Accounts That Fit A regional tanker fleet hauling petroleum products for retail fuel distribution, with documented driver training and vehicle schedules — good fit for combined auto and pollution limits. A food-grade bulk liquid hauler transporting liquid sweeteners and oils in tanker trailers — suitable for motor cargo plus pollution protection when non-hazardous. Why Place This Business With Amwins Underwriting Amwins Underwriting pairs a focused transportation-pollution appetite with admitted paper and experienced underwriting for environmental incidents tied to vehicle operations. The program is intended for agents who need a single market to address auto liability, cargo, and pollution exposures for small to mid-sized fleets across most states. Frequently Asked Questions What types of accounts are a good fit for Amwins Underwriting’s Environmental Transportation program?Small to mid-size fleets that haul bulk liquids or dry commodities, petroleum haulers, food-grade bulk carriers, and hazardous/non-hazardous waste haulers (excluding garbage/refuse) are the primary targets. Accounts should have clear vehicle and driver records and meet the program’s hazardous-material thresholds. Which states is the program available in?The program is available in most states; it is not available in Alaska, Hawaii, Massachusetts, or New York. Check specific submission guidance for state-level requirements. What submission materials are required for underwriting review?Provide a completed commercial auto questionnaire (with hazard classes and UN numbers), five years of currently-valued loss runs, driver schedules with MVRs, a detailed vehicle schedule (including full VINs), and target pricing by line of coverage. Need help placing an account? Connect with a market specialist.

We'll be the partner you want for your next transportation insurance placement. If you need to keep your clients' transportation operations running smoothly and compliant, Gorst & Compass Insurance offers a comprehensive Transportation Insurance program built to address a wide range of commercial auto exposures. Transportation Insurance Coverage • Auto Liability • General Liability • Physical Damage • Cargo • Contractors’ Vehicles • Trailer Interchange & Rental Reimbursement Target Risks • Long Haul Truckers • Local/Intermediate Trucking • Public Auto • Business Auto • Security Patrol Vehicles • Public Livery • Non-emergency Medical Vehicles • Limousines • Black / Town Cars • Airport Shuttles Transportation Highlights • Optional Excess Coverage • Specialty trucking programs for niche or hard-to-place risks • Fast quote turnaround to help you win business • Access to over 35 markets • Admitted and non-admitted placement options Why Place Transportation Risks with Gorst & Compass As a wholesale broker, Gorst & Compass Insurance connects agents with a broad selection of transportation markets and tailored solutions. Whether your client operates a single delivery van, a livery service, or a fleet of long-haul trucks, our program helps you secure the coverages needed to meet regulatory requirements and protect on-the-road operations. We focus on practical, underwriter-driven solutions that make placement smoother for brokers and their insureds. Underwriting and Availability This transportation program is offered in California with most coverage options available in both admitted and non-admitted markets. Minimum premiums vary by risk class and coverage selections; provide complete submissions so underwriters can assess appetite and pricing. Gorst & Compass works with more than 35 markets to give you flexibility on standard and more challenging accounts. Example Accounts That Fit You might have a client who operates an airport shuttle fleet in Southern California and needs a package that includes auto liability, physical damage, and rental reimbursement. Or a small refrigerated trucking firm hauling produce across state lines that requires cargo limits and excess coverage. Those are the types of accounts Gorst & Compass is positioned to place. Frequently Asked Questions What types of accounts are a good fit for this transportation program?This program is a strong fit for long-haul and local/intermediate trucking, public and business auto fleets, livery services (including limousines and airport shuttles), security patrol vehicles, and non-emergency medical transport. Is this program available outside of California?Currently the transportation program is offered in California. For risks in other states, contact Gorst & Compass to explore options or alternative markets. Are both admitted and non-admitted markets available?Yes. Gorst & Compass can place accounts on both admitted and non-admitted paper depending on the risk profile and coverage needs. What is the typical turnaround time for quotes?Submissions to the transportation desk generally receive fast quote turnaround. Providing complete information up front (vehicle schedules, MVRs, loss runs, driver profiles) helps speed the process. Are there special programs for trucking risks?Yes. Gorst & Compass offers specialized trucking programs tailored for niche segments and harder-to-place fleets—these programs provide targeted underwriting and expanded market access. Need help placing an account? Connect with a market specialist.

Truckers Excess Liability Insurance Overview of the Program from Transportation Risk Services Transportation Risk Services (TRS) offers a focused Truckers Excess Liability Insurance program built for retail agents and brokers placing trucking and commercial vehicle accounts. As a specialty transportation MGA and wholesale broker headquartered in Barrington, IL, TRS concentrates exclusively on the transportation sector and provides tailored excess solutions for local, intermediate, long-haul, and public auto risks. This non-admitted excess program supports experienced fleets and a wide range of commercial auto operations. Coverage may be placed as lead, excess, occurrence, or follow-form layers and can be used to layer Auto Liability, General Liability, and Employers Liability up to available capacity of $5,000,000. Ideal Accounts and Appetite TRS will consider all classes of truckers, with a preference for experienced fleets that maintain strong operating and safety controls. The program is also open to certain non-trucking commercial vehicle fleets on a case-by-case basis—agents should provide full risk details for eligibility review. All trucking classes considered (local, intermediate, long-haul) Experienced fleets preferred—stable loss history and robust safety programs Selected non-trucking commercial auto fleets considered by exception Example accounts that often fit well: a regional dry-van carrier with multi-million primary limits seeking layered excess capacity, or a municipal contractor fleet that requires excess auto liability above strong underlying limits. Accounts with frequent large losses, egregious driving records, or insufficient underlying limits may not qualify. Coverage Highlights and Advantages TRS provides flexible excess structures to match each insured’s risk profile. Options include lead or excess placements, occurrence or follow-form language, and layers that attach above Auto Liability, General Liability, and Employers Liability primary programs. Lead, excess, occurrence, or follow-form coverage Supports Auto Liability, General Liability, and Employers Liability excess layers Capacity available up to $5,000,000 Underwriting Notes and Minimum Premiums To place coverage, insureds must maintain specified minimum underlying limits. TRS reviews each submission to confirm alignment with underwriting standards and available capacity. Auto Liability: $1,000,000 CSL underlying General Liability: $1,000,000 / $1,000,000 / $1,000,000 underlying Employers Liability: $500,000 / $500,000 / $500,000 underlying Minimum premium starts at $15,000 per policy, per million in coverage. Provide complete loss runs, current policies, and details on safety programs to accelerate review. Territories and Availability This program is available to appointed agents and brokers in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, and WY. Why Work with Transportation Risk Services TRS brings deep transportation expertise and direct access to wholesale excess capacity for trucking risks. Their underwriting team understands the nuances of trucking exposures and works with agents to structure appropriate layers and forms. In addition to excess liability, TRS offers complementary products including Auto Liability, Physical Damage, Motor Truck Cargo, General Liability, Garage, Contractor’s Equipment, Warehouse Legal Liability, Umbrella, and Occupational Accident/Contingent Liability—enabling more complete program placements for transportation clients. For faster placement, submit detailed loss runs, current policy forms and limits, and information about the insured’s safety and maintenance programs. TRS evaluates each account individually and can advise on suitable attachment points and layering strategies. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for experienced trucking fleets of all classes, including local, intermediate, and long-haul operations. Some non-trucking commercial auto fleets may qualify on a case-by-case basis. What coverages are available under this excess liability program?The program provides excess coverage for Auto Liability, General Liability, and Employers Liability with options for lead, excess, occurrence, or follow-form structures. What are the minimum underlying limits required?Minimum underlying requirements include $1,000,000 CSL for Auto Liability, $1,000,000/$1,000,000/$1,000,000 for General Liability, and $500,000/$500,000/$500,000 for Employers Liability. What is the minimum premium for this program?Minimum premium begins at $15,000 per policy, per million in coverage. Is this program available in my state?This program is available in most states nationwide. Please review the list of eligible states above or contact TRS for specific availability. Need help placing an account? Connect with a market specialist.

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.

...rators Hazardous materials transporters (subject to underwriting review) ...