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...vailable up to $10,000,000, with Uninsured Motorist limits up to $2,000,000. T...brella limits up to $10 million Uninsured Motorist coverage available up to $2 milli...

...bility limits up to $5 million Uninsured/underinsured motorist, medical payments and personal injur...

...lity limits up to $5 million Uninsured/underinsured motorist and medical payments Personal in...

...l Bonds Medical Payments Uninsured Motorist Protection Comprehensive Coverag...

...ses Medical Payments: $5,000 Uninsured / Underinsured Motorists: $1,000,000 Personal Injury Lia...

... Combined Single Limit (CSL) Uninsured/Underinsured Motorist and Personal Injury Protection (PIP)...

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.

...bility limits up to $5 million Uninsured/underinsured motorist (UM/UIM), medical payments, and pers...

... million Optional $1 million Uninsured Motorist coverage No Self-Insured Retenti...

...Garage Liability, Garagekeepers, Uninsured Motorist, Fire Legal Liability, Medical Payme...