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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.

...ependent auto haulers, trailer transporters, and businesses that move boats or...

Policy Highlights: Whether your client needs coverage for a boat, trailer, or vehicle used in transport, Colonial General Insurance Agency, Inc. offers tailored Trailer Transport Insurance solutions. This program addresses the exposures faced by operators hauling cargo with trailers of all types. As a regional Managing General Agency and Excess & Surplus lines broker, Colonial General provides flexible access to specialty carriers and competitive markets across the Western U.S. Overview of the Program From Colonial General Colonial General’s Trailer Transport Insurance program is focused on transportation risks that arise when cargo is moved using trailers. We write business for independent operators and small fleets and can structure mono-line cargo placements or layered solutions with excess cargo protection. Our market relationships allow us to accommodate a range of cargo types and values while providing underwriting flexibility agents need to place non-standard or higher-value exposures. Ideal Accounts and Appetite This program is a strong fit for agents submitting: Independent transport operators using trailers to haul general freight Small to mid-sized logistics companies with dedicated trailer operations Refrigerated haulers and perishable-goods transports requiring refrigerator breakdown coverage Operators of boat and vehicle trailers or specialty-hauling operations Accounts needing mono-line cargo with no mileage restrictions or excess cargo limits Colonial General can also consider unique or higher-value cargo needs, subject to underwriting review. Accounts that are outside typical trucking program classes but have clear risk controls are often placeable through this offering. Coverage Highlights and Advantages Key features of the Trailer Transport Insurance program include: Unlimited radius on all mono-line cargo policies — suitable for long-haul operators Excess cargo coverage available over primary cargo policies for up to $750,000 Cargo limits up to $100,000, with refrigerator breakdown coverage where needed Loading and unloading exposures covered automatically in the premium These features help manage common transit exposures such as damage in transit, spoilage for refrigerated loads, and gaps between primary and higher-limit needs. Underwriting Notes and Minimum Premiums Underwriting is handled with flexibility and attention to operational detail. Colonial General evaluates accounts on cargo type, routing, handling practices, equipment condition, and loss history. We have access to both admitted and non-admitted markets depending on the state and the risk profile. Minimum premiums vary by market and carrier; submit full operational details for an accurate indication. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? Colonial General combines regional transportation expertise with market access suited to hard-to-place trailer transport risks. Our underwriters are responsive and experienced in structuring both basic mono-line cargo policies and layered excess placements. We work with specialty carriers that can address refrigerated loads, high-value shipments, and accounts that need broad geographic radius without mileage limits. Example placements you might bring to this program include a small carrier hauling refrigerated produce across multiple Western states that needs refrigerator breakdown coverage and higher cargo limits, or a recreational-boat transport operator who requires mono-line cargo protection for trailers and occasional high-value loads. Provide clear operational details and loss history to help us match the right market. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include independent cargo haulers, small transport fleets, and trailer operators moving general, refrigerated, or specialty goods. Is there a mileage restriction on cargo coverage?No. All mono-line cargo policies offer unlimited radius, making this program suitable for long-haul operations. Can this program cover refrigerated goods?Yes. Cargo limits up to $100,000 are available with refrigerator breakdown coverage included where applicable. Are excess cargo limits available?Yes. Colonial General can access markets that write excess over primary cargo for up to $750,000. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. 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.

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.

Overview — Scrap Metal Transport Insurance from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a targeted program for agents who place scrap metal transportation accounts. This program is designed for businesses that haul non-hazardous scrap and recyclable metal material, from single-truck owner-operators to small fleet operators. Coverage is available through admitted carriers in some markets and via excess & surplus lines placement where needed. Ideal Accounts and Appetite This program fits accounts that: Transport ferrous and non-ferrous scrap (scrap metal, scrap steel, aluminum, copper, etc.) that is not classified as hazardous waste. Operate for-hire or private/non-for-hire hauling operations. Run local or regional routes—typical radius options extend up to 500 miles. Have clean to moderate loss histories and reasonably maintained vehicles. Generally not a fit: operators hauling hazardous waste, commodities requiring special endorsements, or accounts with chronic, severe loss frequency unless prior mitigation is documented. Specific underwriting decisions vary by carrier. Coverage Highlights and Advantages Package policies available with cargo coverage—cargo limits up to $100,000. Liability coverage available up to $1,000,000 CSL. Physical damage coverage offered with deductible options from $500 to $5,000. State and regulatory filings handled as part of placement where required. Radius options configurable up to 500 miles to match account operations. Admitted capacity in some states; E&S solutions available where necessary. Underwriting Notes When submitting, underwriters typically want: Vehicle schedule (year, make, model, VIN) and vehicle values for physical damage consideration. Schedule of operations: types of scrap hauled, typical routes, radius, and whether hauling is for-hire or private. Loss runs (preferably 3 years) and MVRs for drivers. Details on loading/unloading procedures and any risk controls in place (securement, tarping, GPS, driver training). Minimum premium requirements and final terms depend on territory, fleet size, and carrier selection. Colonial General works with a variety of markets to match pricing and coverage to the account profile. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available; where admitted capacity is not offered, placements will be handled as excess & surplus lines. Carriers vary by state and underwriting appetite. Why Work With Colonial General Insurance Agency, Inc.? Specialized focus on scrap metal transport exposures — underwriting and placement tailored to this niche. Flexible solutions including admitted and E&S options to increase bindability across the Western states listed above. Ability to provide cargo and physical damage limits and deductible choices that suit small fleets and owner-operators. Responsive underwriting and state filing support to help close accounts that require regulatory compliance. Example accounts that are a good fit - A two-truck, for-hire hauler that moves mixed scrap metal regionally within a 300-mile radius, seeking cargo limits and $1,000,000 liability. - A single-owner operator who picks up non-ferrous scrap for local recyclers and needs physical damage coverage with a $1,000 deductible and regulated filings handled. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Scrap Metal Transport program?Accounts that haul non-hazardous scrap and recyclable metals—owner-operators to small fleets—operation within a regional radius (up to 500 miles) with reasonable loss histories are ideal. Is cargo coverage included and what limits are available?Yes. Package policies can include cargo coverage with limits available up to $100,000. Specific limit availability depends on the carrier and account details. Are admitted policies available or is this program E&S only?Some admitted markets are available in select states. Where admitted capacity is not offered, Colonial General places coverage through excess & surplus lines markets. Availability varies by state and carrier. What deductible options exist for physical damage?Physical damage deductible options generally range from $500 to $5,000. Final deductible choices depend on vehicle values, account risk characteristics, and carrier guidelines. What documents should I include with a submission?Include a vehicle schedule, description of operations (commodities hauled and radius), recent loss runs, and driver MVRs. Additional information on loading/unloading procedures and risk controls will help underwriting. Need help placing an account? Connect with a market specialist.

Non-Emergency Medical Transportation Program Details All Insurance Underwriters, Inc. offers a focused Workers Compensation program built for Non-Emergency Medical Transportation (NEMT) operators. As a Managing General Underwriter with access to multiple A-rated carriers nationwide, we equip agents and brokers with flexible placement options for NEMT accounts that have more complex risk or fleet profiles. Ideal Accounts and Appetite This program targets established NEMT providers that transport patients to and from medical appointments without emergency response. Ideal candidates include companies that have: A minimum of $50,000 in Workers Compensation premium At least five years of verifiable loss history Documented driver safety programs and vehicle maintenance processes We write businesses operating wheelchair vans, stretcher transport units, ambulatory transport vehicles, and similar non-emergency medical transport fleets. Accounts with clear safety controls and fleet oversight are the best fit. Coverage Highlights and Advantages Each submission is underwritten individually. Available structures include: Guaranteed cost plans for predictable budgeting Large and small deductible options for clients seeking premium savings Placement with carriers experienced in both transportation and healthcare-related workers compensation risks The program is designed to protect NEMT employees from common workplace exposures such as lifting and transfer strains, slips and falls during patient transfers, and vehicle-related accidents—helping your clients remain compliant and keep their workforce covered. Underwriting Notes and Minimum Premiums To be considered, submissions should include: Minimum premium of $50,000 Five years of complete loss runs Fully completed ACORD applications and any required supplemental forms Underwriters review operational controls, safety and training programs, claims handling history, and fleet management practices when evaluating accounts. Territories and Availability This Workers Compensation program is available nationwide: all 50 states and Washington, DC. We routinely place business in high-regulation and high-exposure states, tailoring terms to local requirements and carrier appetite. Why Work With All Insurance Underwriters, Inc.? All Insurance Underwriters, Inc. combines deep experience in transportation and healthcare-related workers compensation to support agents placing NEMT business. You’ll benefit from: Responsive underwriting support and case management Flexible program structures to match client needs Nationwide availability and carriers with strong financial ratings Experience handling accounts with mixed vehicle classes and varied exposure levels Whether you’re placing a new NEMT account or seeking better terms for an incumbent client, our program gives you practical options and a partner familiar with the operational issues NEMT businesses face. Frequently Asked Questions What types of accounts are a good fit for this program?Established non-emergency medical transportation providers with at least $50,000 in Workers Compensation premium and five years of loss history are ideal candidates. What coverage structures are available?We offer guaranteed cost, large deductible, and small deductible Workers Compensation options, and structure each submission to match the account’s loss profile and cash-flow needs. Do you require loss history for submissions?Yes. Five years of complete loss runs are required for all submissions so our underwriters can accurately assess trends and controls. In which states is this program available?This program is available nationwide, including all 50 states and Washington, DC. Can you help with accounts that have prior losses?Yes. We evaluate accounts with prior losses on a case-by-case basis and look for evidence of corrective actions, strengthened safety programs, and improved fleet management. Need help placing an account? Connect with a market specialist.

Tailored for School Bus, Charter Bus, Social Services, Ambulance, and ParaTransit Companies. Now includes coverage for Assault & Battery. VAIL - Value Added Insurance Lines, in partnership with Capacity Excess, LLC, offers a specialized Sexual Molestation Coverage program for transportation providers who regularly carry vulnerable populations. This program is designed for school bus contractors, charter operators, social service agencies, ambulance services, and ParaTransit providers. Coverage now extends to include Assault & Battery, giving broader protection for the kinds of high-exposure allegations these businesses face. Ideal Accounts and Appetite This program is intended for agents placing transportation clients that serve children, seniors, people with disabilities, or other at-risk groups. Typical target accounts include: School bus contractors and charter bus operators Non-emergency medical transportation (NEMT) providers Social service agencies that provide passenger transport Ambulance companies and ParaTransit operators You might place a mental-health nonprofit that operates daily shuttle routes or a charter company that runs school shuttles — both are examples of accounts that can benefit from dedicated sexual molestation and assault & battery coverage. Coverage Highlights and Advantages Allegations of sexual misconduct — even unfounded — can result in costly litigation and reputational harm. This program helps manage those risks with: Coverage for both legitimate and frivolous sexual molestation claims Assault & Battery included with the policy Limits available up to $5,000,000 Underwriting Notes and Minimums This is a non-admitted program with streamlined underwriting to speed placement for eligible risks. Key features: Flat rate per vehicle for simplified quoting A simplified application and quick quote turnaround $10,000 minimum premium $25,000 minimum retention Territories and Availability This program is available nationwide in all 50 states and the District of Columbia, offered on a non-admitted basis. If you have a multistate account or concentrated exposure in higher-risk territories, discuss placement options with the underwriting team. Why Work With VAIL and Capacity Excess VAIL specializes in value-added niche solutions and, through Capacity Excess, LLC, provides access to an underwriting team experienced in sexual misconduct and abuse exposures. Agents benefit from focused underwriting, responsive service, and a market that will consider difficult transportation risks other carriers may decline. To learn more, contact Carl Gerson at 201-661-2400 or email [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits school bus operators, charter bus companies, ambulance services, ParaTransit providers, and social service agencies that transport vulnerable populations. Does the policy cover Assault & Battery in addition to Sexual Molestation?Yes. The program now includes Assault & Battery coverage in addition to sexual molestation protections. What is the minimum premium for this coverage?$10,000 minimum premium with a $25,000 minimum retention. Is this program available in all states?Yes. The program is available nationwide in all 50 states and Washington, D.C., on a non-admitted basis. How quickly can I get a quote?VAIL and Capacity Excess use a simplified application and offer fast turnaround on quotes to help you move quickly for your clients. Need help placing an account? Connect with a market specialist.

Overview of the Program from Sinclair-Dwyer Sinclair-Dwyer offers the Social Service Auto program to give agents a stable, need-sensitive market for vehicles used by social and human service organizations. Policies under this program are written through Sutter Insurance Company and are tailored for government entities, charitable organizations, civic groups and nonprofit social service providers that transport clients as an incidental part of the services they provide (including scheduled trips, outings and program-related transport). Ideal Accounts and Appetite Nonprofit and public organizations that transport clients to appointments, classes, day programs, congregate meals, and community activities. Small to mid-sized fleets of sedans, minivans, cargo/passenger vans, and small buses used for client transport and program activities. Volunteer driver programs, provided drivers meet underwriting guidelines for screening and training. Programs that can demonstrate formal driver policies, vehicle maintenance procedures and documented client transport protocols. Typically not a fit: for-hire operations, commercial livery, rideshare services, fixed-route public transit, or accounts that primarily transport paying passengers as a business. Large coach buses or high-capacity passenger carriers may be declined or require referral to a different market. Coverage Highlights and Advantages Liability coverage tailored to social service exposures, with options that can be coordinated with general liability limits for the organization. Physical damage coverage for owned vehicles and optional coverages for rented or hired autos. Volunteer driver considerations and endorsements to address volunteer exposures where available. Claims handling through an experienced insurer (Sutter Insurance Company) familiar with nonprofit and government clients. Underwriting emphasis on risk controls—driver screening, vehicle maintenance logs, and written use policies—enables competitive placement for well-managed programs. Underwriting Notes and Submission Requirements Underwriters will request vehicle lists, driver rosters with MVRs, documented driver hiring/training practices, and loss runs. Recent and frequent losses may require corrective action plans. Expect scrutiny on volunteer driver programs: background checks, proof of valid licenses and documented training reduce friction in underwriting. Vehicle use must be clearly described—incidental client transport connected to the organization’s social services is required. For-hire, commercial or primary revenue-generating transport generally falls outside the appetite. Minimum premium and specific pricing are set by the carrier; submit a complete packet to Sinclair-Dwyer for evaluation and indicative terms from Sutter Insurance Company. Territories and Availability This program is available for accounts located in California. Coverage, policy forms and endorsements are subject to state rules and carrier filing requirements. Why Work with Sinclair-Dwyer on Social Service Auto Direct access to a specialized market (Sutter Insurance Company) that understands social service transportation risks. Focus on practical underwriting that rewards documented risk management—ideal for agencies with formal vehicle safety programs. Support for placing both owned and leased vehicles used for client transport, with flexibility for volunteer driver arrangements when conditions are met. Example scenarios you can place through this program A county-funded nonprofit operates two passenger vans to transport seniors to meal sites and appointments; the organization maintains driver training records and vehicle inspection logs. A community mental-health center uses a minivan to provide transportation for clients to group activities and medical appointments; drivers are employees with clean MVRs and the center documents client transport policies. Frequently Asked Questions What types of organizations are a good fit for Sinclair-Dwyer's Social Service Auto program?Government entities, charities, civic and nonprofit social service organizations that provide incidental client transportation—such as trips to appointments, day programs or community outings—are the best fit, provided they maintain documented driver and vehicle controls. Can volunteer drivers be covered under this program?Yes, volunteer driver programs are eligible when underwriting requirements are met. Expect requests for background checks, proof of valid licenses, documented training and written volunteer driver policies. Are commercial or for-hire transport operations eligible?No. Operations that transport paying passengers as a primary business (for-hire, livery, rideshare, or fixed-route transit) are generally outside the appetite and should be submitted to a commercial or livery market instead. What documents should I include with a submission to get a timely response?Provide a current vehicle list, driver roster with MVRs, loss runs, copies of driver hiring/training and vehicle maintenance policies, and a clear description of how vehicles are used in the organization’s programs. Need help placing an account? Connect with a market specialist.

Public Auto Insurance U.S. Risk Insurance Group, Inc. offers a specialized Public Auto Insurance program for large “wheels” and people-mover accounts. Through access to an A+ XV-rated admitted carrier, this program provides up to $5 million in auto liability limits (including physical damage) and competitive low deductible options. Incidental General Liability (GL) can be added to the auto policy when required, giving you flexibility to package coverages for high-exposure transportation clients. Ideal Accounts and Appetite This program is designed for large transportation risks where capacity and experienced underwriting matter. Typical targets include: Shuttle services and people-mover operations Fixed-route transit buses Non-emergency medical transport (non-EMT) vehicles Taxis, truckers, and other large transportation fleets (generally for premiums of $200,000+) The program works best for accounts with substantial fleets or significant public transportation exposure. Premium thresholds generally start at $75,000 for shuttle and people-mover accounts; other large transportation risks typically begin around $200,000. Coverage Highlights and Advantages This market delivers capacity and features tailored to high-limit transportation risks: Auto liability limits up to $5 million, including physical damage Low deductible structures to support loss control and client retention Optional incidental General Liability written with the auto policy Competitive pricing with underwriting flexibility for complex or multi-state risks Responsive claims handling and proactive loss control resources If you have a regional shuttle fleet or a multi-state trucking operation, this program provides the limits and service model needed to place those accounts effectively. Underwriting Notes and Minimum Premiums To streamline submission and underwriting, provide a complete package that includes: ACORD forms 125, 127, 137 (and 126 if GL is requested) A completed Public Auto or Trucker’s Questionnaire Detailed vehicle schedule with garaging, primary use, operating radius, passenger capacity, and cost-new values Five years of currently valued loss runs Current financial statement Driver list with current MVRs Minimum premiums start at approximately $75,000 for shuttle and people-mover operations; most other large transportation accounts (taxis, trucking, etc.) will generally begin around $200,000. Territories and Availability This Public Auto program is available nationwide — all 50 states and Washington, D.C. — making it suitable for single-state and multi-state operators. Why Work With U.S. Risk Insurance Group? U.S. Risk is an established Excess & Surplus Lines broker with deep experience placing complex transportation risks. Agents benefit from U.S. Risk’s long-standing carrier relationships, underwriting knowledge, and hands-on service from submission through claims. Whether you need capacity, flexible terms, or loss control support, U.S. Risk can help you place challenging public auto accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this Public Auto Insurance program?This program targets larger transportation risks such as shuttle services, transit buses, non-EMT medical transport, taxis, and truckers. It is best suited for accounts where annual premiums meet the program’s minimum thresholds (typically starting at $75,000). Can incidental General Liability be added to the policy?Yes. Incidental GL can be written in conjunction with the auto policy when the exposure warrants it. What documentation is required for a complete submission?Provide ACORD 125/127/137 (and 126 if requesting GL), a completed questionnaire, a vehicle schedule, five years of currently valued loss runs, current financials, and a driver list with MVRs. What liability limits are available?The program offers auto liability limits up to $5 million and can include physical damage coverage as part of the package. Is the program available in all states?Yes. The Public Auto program is available in all 50 states and Washington, D.C. Need help placing an account? Connect with a market specialist.