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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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Policy Highlights: Colonial General can provide the coverages you require for your non-emergency medical transportation needs. Contact us today for more information about additional coverages offered. Coverage available: We currently do not have a market for wheel chair accessible vehicles in most of our states. Limits up to state and federal requirements per seating capacity, up to $1.5 million. Medicare or Medicaid contract required. Liability coverage available up to $1,000,000 CSL. Physical damage coverage with deductible options ranging from $500 to $5,000. Radius options up to 500 miles. Cargo limits up to $100,000 with refrigerator breakdown included. Overview of the Program from Colonial General Insurance Agency, Inc. Colonial General offers a targeted Non-Emergency Medical Transportation (NEMT) program for agents placing ambulatory and stretcher transport accounts that participate in Medicare or Medicaid contracts. This program combines liability, physical damage, and optional cargo protection designed to address the common exposures of passenger transport for non-emergency medical needs. Coverage structure and market depend on the state and specific account characteristics; available markets vary. Ideal Accounts and Appetite Small to mid-size operators running sedan and van services for ambulatory and stretcher passengers (where stretcher transport is accepted by underwriter). Fleets with established Medicare or Medicaid contracts — a contract is required for placement. Operators seeking liability limits up to $1,000,000 CSL and higher per-seating-capacity limits up to $1.5 million where state/federal requirements apply. Accounts less likely to be acceptable include large fleets with extensive wheelchair-accessible vehicle (WAV) operations, new ventures without government contracts, or operations outside the listed states where admitted markets are not available. Coverage Highlights and Advantages Liability limits up to $1,000,000 CSL; per seating capacity limits up to $1.5M where required. Physical damage available with flexible deductible options ($500–$5,000) to fit fleet risk tolerance. Cargo coverage up to $100,000 that includes refrigerator breakdown — useful for medical supplies and temperature-sensitive items transported with patients. Radius options up to 500 miles to accommodate regional runs and inter-facility transfers. Placement through Colonial General’s MGA/E&S brokerage relationships provides access to admitted or non-admitted solutions depending on state and account profile. Underwriting Notes Medicare or Medicaid contract documentation is mandatory at submission. Wheelchair-accessible vehicles: limited or no capacity in most states — disclose any WAV operations up front for accurate placement guidance. Seating capacity drives some state and federal limit requirements; provide seating configuration and vehicle types on submissions. Provide details on driver screening, training, background checks, and vehicle maintenance programs to improve placement chances and pricing. Radius, cargo exposures (including refrigerated items), and any stretcher operations should be detailed for accurate quoting. Territories and Availability This program is available in select western states: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted versus non-admitted availability varies by state and by the specifics of the account — Colonial General works as both an MGA and an excess & surplus lines broker to secure the right market for the risk. Why Work with Colonial General on NEMT Business Colonial General combines specialized appetite for Medicare/Medicaid-contracted NEMT operations with flexible E&S and admitted market access. Agents benefit from targeted underwriting that understands common NEMT exposures (liability for passenger transport, cargo and refrigerated goods, radius and multi-state runs) and from options for physical damage and cargo protection. Colonial General’s focus on these account types helps streamline submissions and improve the chance of placement for qualified insureds. Example Accounts A small, three-vehicle sedan fleet that transports dialysis and outpatient clinic patients under a state Medicaid contract — seeking $1,000,000 CSL liability and physical damage on each vehicle. A regional van operator with Medicare contracts running non-emergency stretcher transfers within a 250-mile radius, requiring cargo coverage for temperature-sensitive medical supplies. Frequently Asked Questions What types of NEMT accounts are a good fit for this Colonial General program?Accounts with active Medicare or Medicaid contracts, small-to-mid-size sedan and van fleets that transport ambulatory or stretcher passengers, and operators that can document driver screening and vehicle maintenance practices are the best fit. Wheelchair-accessible vehicle operations are generally not accepted in most states. Is a Medicare or Medicaid contract required for every submission?Yes. Colonial General’s program requires documentation of a current Medicare or Medicaid contract as part of underwriting for placement. Can Colonial General insure wheelchair-accessible vehicles (WAVs)?No—this program currently does not have a market for wheelchair-accessible vehicles in most states. Disclose any WAVs up front so Colonial General can advise on alternatives or limitations. Which states are eligible and is coverage admitted?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted versus non-admitted options depend on the state and specific account; Colonial General can place on an admitted or E&S basis where appropriate. What documents and details should I include with a submission?Include the client’s Medicare/Medicaid contract, vehicle list with seating capacity, driver qualification and training details, loss history, radius of operations, and any cargo/refrigeration exposures. These items speed underwriting and improve quote accuracy. Need help placing an account? Connect with a market specialist.

FLEET SOLUTIONS As capacity for fleet insurance tightens across the market, partnering with a stable, experienced provider is more important than ever. Transportation Risk Services (TRS) is a specialist Managing General Agency and wholesale broker focused on transportation risks nationwide. TRS delivers thoughtful, long-term insurance solutions for fleets of all sizes—helping agents and brokers place complex fleet accounts with confidence. Ideal Accounts and Appetite Fleets with 5 or more power units Vehicle types: Intermodal, Flatbed, Dry Van, Refrigerated, Auto Haulers Both owned fleets and owner-operator models are eligible Whether your client is an established regional carrier or a growing long-haul operation, TRS uses flexible underwriting to find the right fit across a wide range of transportation exposures. Coverage Highlights and Advantages TRS offers mono-line and packaged solutions tailored to transportation risks. Core options include: Primary Auto Liability General Liability Auto Physical Damage Motor Truck Cargo Occupational Accident TRS will also consider mono-line placements and supplemental coverages to round out programs: Excess and Umbrella Property and Warehouse Garage Liability and Garage Keepers Legal Liability Underground Storage Tank Liability Other transportation-related exposures on request TRS supports UIIA compliance, including Blanket Additional Insured and Blanket Equipment Provider endorsements. Reporting-basis options are available where applicable. Underwriting Notes TRS takes a solutions-driven underwriting approach rooted in deep transportation knowledge. Minimum premiums and terms depend on fleet size, operations, loss history, and chosen markets. TRS places business through both admitted and non-admitted carriers; many available options are non-admitted. Retail agents can work directly with TRS underwriters to structure competitive, market-appropriate programs. Territories and Availability This Fleet Solutions program is available to agents and brokers in 48 states, including major transportation hubs such as TX, CA, GA, IL, FL, and NY. TRS can support fleets operating locally, regionally, or nationwide—contact TRS to confirm availability and any state-specific requirements. Why Work With Transportation Risk Services? Located in Barrington, IL, Transportation Risk Services focuses exclusively on transportation and fleet exposures. TRS combines long-term carrier relationships, deep underwriting expertise, and responsive broker support to place challenging or specialized fleet accounts. Their niche focus means better placement strategies for complex risks—whether it’s a refrigerated carrier handling time-sensitive loads or a regional dry-van fleet operating across state lines. Visit the Fleet Solutions storefront or company profile to learn more. Frequently Asked Questions What types of accounts are a good fit for this Fleet Solutions program?Fleets with five or more power units, including Intermodal, Flatbed, Dry Van, Refrigerated, and Auto Hauler operations. Both company-owned and owner-operator fleets are typically eligible. Can I submit mono-line coverage requests?Yes. TRS accepts mono-line submissions for primary coverages such as Auto Liability and Occupational Accident, as well as supplemental coverages like Excess/Umbrella, Property, and Garage Liability. Is this program available in my state?The program is available in 48 states, including transportation hubs such as CA, TX, FL, IL, and GA. Contact TRS to confirm availability and any state-specific filings. Does the program support UIIA compliance needs?Yes. TRS provides coverage solutions that meet UIIA requirements, including Blanket Additional Insured and Blanket Equipment Provider endorsements where needed. What makes Transportation Risk Services different from other MGAs?TRS specializes exclusively in transportation and fleet risks, offering focused underwriting, long-term market relationships, and hands-on broker support to place difficult or specialized accounts. 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.

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.

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.

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.