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Motor Truck Cargo and Physical Damage Program from Richmont General Insurance Services Richmont General Insurance Services offers a focused Motor Truck Cargo and Physical Damage Program that helps agents and brokers place commercial auto risks quickly and with greater certainty. Backed by admitted paper rated A- (Excellent) by AM Best in available markets and supported by Richmont’s MGA and E&S capabilities, the program provides in-house binding authority and competitive terms for a wide range of trucking operations—including new ventures and accounts that can be hard to place elsewhere. Ideal Accounts and Appetite This program is designed for for-hire trucking operations that haul both common and specialized commodities. Underwriters will consider accounts with challenging attributes such as limited operating history, prior violations, or accident records—making this a good option when standard markets decline. Typical commodities and operations include: Produce, meat & poultry, and grocery deliveries Building materials, lumber, and steel Containerized freight and intermodal loads Beer, wine, and beverage distribution Clothing, garments, and retail freight Auto and boat haulers Household goods movers Oilfield equipment and industrial machinery Other specialized or regional freight Example fits: you might have a client launching a regional hauling business who needs cargo and physical damage limits to win contracts, or a carrier with a few recent violations that needs placement outside standard admitted markets—Richmont can help you find placement options for those risks. Coverage Highlights and Advantages Admitted paper rated A- (Excellent) by AM Best in available markets In-house binding authority for faster turnaround and quote-to-bind capability Motor Truck Cargo limits up to $250,000 Competitive physical damage pricing for comprehensive and collision exposure Contingent Motor Truck Cargo available where applicable Auto liability solutions for local, intermediate, and 48-state operations Truckers General Liability included or available as needed New ventures accepted, including startups with limited operating history Capacity for hard-to-place risks—including prior violations or accident history Underwriting Notes Richmont’s underwriters are accessible and pragmatic. They work directly with agents to evaluate exposures and structure terms that match a client’s operations. Richmont also provides product training and support to help producers quote and place commercial auto business more confidently. Underwriters will evaluate operating radius, commodity type, driver hiring and screening practices, loss run history, vehicle age and condition, and any previous regulatory actions. Accounts with significant exposure may be considered through E&S channels when admitted options are not available. Available Territories This Motor Truck Cargo and Physical Damage Program is currently available in California, Texas, and Florida. Coverage availability and admitted vs. E&S placement may vary by state and by individual risk characteristics—contact Richmont for details on territory-specific options. Why Work with Richmont General Insurance Services? As a Managing General Agency and E&S lines broker, Richmont combines underwriting expertise, strong market access, and responsive service. Their in-house binding authority shortens turnaround times, and their commercial auto focus means agents get tailored solutions for trucking clients that don’t fit traditional boxes. Whether you need admitted paper where available or E&S capacity for tougher risks, Richmont positions agents to place more business and retain clients. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for for-hire trucking operations transporting commodities such as produce, building materials, steel, clothing, and more. It also accepts new ventures and accounts with prior violations or accidents. Is this program available in all states?No, the Motor Truck Cargo and Physical Damage Program is currently available in California, Texas, and Florida. Can Richmont help with hard-to-place trucking risks?Yes, Richmont has markets available for accounts with significant violations, accident history, or other underwriting challenges. Does the program accept new trucking ventures?Yes, new ventures are accepted under this program, making it a great option for startup trucking operations. What carrier rating backs this program?The program is backed by an admitted carrier rated A- (Excellent) by AM Best. Need help placing an account? Connect with a market specialist.

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

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Richmont General Insurance Services offers a focused Truckers Commercial Auto Program built for independent owner-operators and small to mid-sized fleets. As an experienced managing general agency in the commercial auto space, Richmont understands the operational and liability exposures truckers face and packages Auto Liability, Physical Damage, and Motor Truck Cargo coverages to help protect vehicles, cargo and business income. The program is designed for fast turnaround and easy placement so you can get clients covered quickly. Ideal Accounts and Appetite Richmont primarily targets owner-operators who take good care of their equipment and maintain safe driving records, plus smaller fleets with steady operations and verifiable insurance history. Typical fits include: Independent owner-operators with clean MVRs Small to mid-sized fleets (single truck up to ~20 units) with stable operations Accounts with at least two years of prior insurance Fleets that can provide current loss runs and MVRs at submission Example fit: You might have a client running a three-truck reefer operation within a 300-mile radius in California. With a completed quick-quote packet and current loss runs, Richmont can typically provide a fast, competitive quote and package the necessary coverages. Coverage Highlights and Advantages The Truckers Commercial Auto Program bundles primary coverages commonly required by trucking clients and offers agent-friendly service features: Package options for Auto Liability, Physical Damage and Motor Truck Cargo Monoline options available for Motor Truck Cargo, Physical Damage and General Liability Same-day quoting and indications for qualified submissions Direct bill options to simplify premium collection Flexible territory/radius choices: 100, 300, 500 miles, 12 Western States or 48-state operations Competitive commission structure for appointed agents Underwriting tailored to owner-operators and smaller fleets Underwriting Notes and Submission Requirements To speed underwriting and improve quote accuracy, include the following with your submission: Completed Quick Quote Form Current Motor Vehicle Reports (MVRs) for drivers At least two years of prior insurance history Loss runs required at binding; fleets should provide loss runs with the quote Minimum premiums vary by risk characteristics and coverages selected. Richmont underwrites each account individually, so timely and complete documentation helps secure the best terms. Territories and Availability This Truckers Commercial Auto Program is currently available in California. Richmont can place accounts on admitted or non-admitted paper depending on the carrier and risk characteristics. Flexible radius options let you quote local, regional, or near-national operations within the program’s territory limits. Why Work With Richmont General Insurance Services As a specialized Managing General Agency, Richmont combines trucking expertise with fast service and clear communication. Their underwriting teams focus on practical, market-oriented solutions for owner-operators and small fleets, helping you place business efficiently and keep clients protected. You can start the placement process by calling (888) 282-9893 or visiting the Truckers Commercial Auto Program page. Frequently Asked Questions What types of accounts are a good fit for this program?The program is best for independent owner-operators and small to mid-sized trucking fleets with at least two years of prior insurance and a clean or manageable loss history. Is same-day quoting available?Yes — Richmont offers same-day quotes and indications for qualified submissions when you provide complete documentation (Quick Quote Form, MVRs, and required loss runs). What coverage options are included in the package?The core package includes Auto Liability, Physical Damage, and Motor Truck Cargo. Monoline options and additional liability products are available depending on account needs. What territories does the program cover?The program is available in California with flexible radius options; some accounts can be quoted for broader operations up to 48-state territory based on underwriting and carrier availability. What documents are needed to submit a quote?Submit a completed Quick Quote Form, current MVRs, and loss runs. Fleets must include loss runs with their quote request; loss runs are required at binding. Need help placing an account? Connect with a market specialist.