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Amwins National Transportation Underwriters offers deep industry expertise and broad market access that spans all corners of the commercial auto market.
Overview of the Program from Amwins Underwriting
Amwins Underwriting’s Local/Long Haul Trucking program provides agents with flexible placement options for owner-operators up through large fleets. The program is built around transportation-focused underwriting, multiple coverage parts, and access to a variety of admitted and non-admitted capacity. Use this program when you need tailored commercial auto solutions that include liability, physical damage, cargo, and ancillary coverages designed for both short-haul local operations and regulated long-haul exposures.
Ideal Accounts and Appetite
Owner-operators and single power-unit accounts (including passenger accident options)
Regional and national motor carriers with mixed local/long-haul operations
For-hire carriers, private fleets, and dedicated account operations
Dry van, refrigerated, flatbed, and select specialized haulers (depending on underwriting)
Typical risks that fit this program have formal driver hiring and safety policies, regular maintenance records, and clear cargo handling controls. Accounts with high loss frequency, severe CSA history, or unusual hazardous cargo should be submitted with full loss runs and underwriting notes and may require specialty capacity.
Coverage Highlights and Advantages
Primary Auto Liability — tailored limits for both local and long-haul exposures
Non-Trucking Liability — coverage for owner-operators when equipment is used off-hire
Physical Damage — comprehensive and collision options for power units and trailers
Motor Truck Cargo — coverage for common carrier and contract carrier exposures
General Liability and Excess Liability — layered solutions to protect overall risk
Occupational Accident and Passenger Accident Insurance — options for different driver classifications and passenger exposures
By packaging multiple parts through Amwins, you can present insureds with coordinated limits and consistent underwriting across liability, cargo and physical damage — a benefit for accounts with mixed operations or multiple vehicle types.
Underwriting Notes and Minimum Premiums
Underwrites consider fleet size, driving history and CSA performance, cargo types, radius of operations, and loss control practices. Expect to submit a completed application, recent loss runs, MVRs, and vehicle schedules for most submissions. Minimum premiums and pricing vary by carrier and underlying capacity; discuss market options with your Amwins contact or consult the program’s market availability link below for current appetite and delegated authorities.
Territories and Availability
This program places trucking business in the following states: 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability may vary by state and by carrier appetite.
For the latest market availability and specific state restrictions, see Amwins transportation capabilities.
Why Work with Amwins Underwriting on Local/Long Haul Trucking
Transportation-focused underwriting teams with broad carrier relationships provide placement options across admitted and non-admitted markets.
Ability to combine multiple coverage parts (liability, physical damage, cargo, excess) for cleaner presentations and more complete offers to clients.
Scalable appetite — from single-unit owner-operators to multi-state fleets.
Access to specialized coverages like occupational and passenger accident for driver and passenger exposures.
Example Accounts
A regional dry-van carrier with 25 power units that needs primary liability, physical damage, and motor truck cargo limits coordinated under one program.
An owner-operator who leases to multiple brokers and requires non-trucking liability plus occupational accident options — ideal for single power-unit submissions.
Submission Tips for Agents
Include current loss runs (three years preferred), MVRs, vehicle schedules, and details on cargo and routes.
Document safety programs, drug testing, and maintenance logs to improve placement chances and pricing.
When possible, provide a summary of CSA history and any remedial actions taken for prior violations.
Frequently Asked Questions
What types of trucking accounts are a good fit for this Amwins program?This program fits owner-operators, local delivery operations, regional haulers, and national fleets that need coordinated liability, cargo, and physical damage coverage. Accounts with clear safety programs and standard cargo types (dry van, reefer, flatbed) are the best fit.
Which coverage parts can I package through Amwins Underwriting?You can assemble primary auto liability, non-trucking liability, physical damage, motor truck cargo, general liability, excess liability, and occupational/passenger accident coverages depending on the account and available markets.
Are placements admitted or non-admitted?Amwins works with a mix of admitted and non-admitted carriers to provide placement flexibility. Specific admitted status depends on the carrier selected and state regulations for the risk.
What documents should I include with a submission?Provide a completed application, recent loss runs (typically 3 years), vehicle schedules, driver MVRs or summaries, CSA information, and details on cargo, routes, and safety programs to expedite underwriting.
Where can I find current market availability?Refer to the program’s market availability page at the link above for the latest carrier appetites, state restrictions, and delegated authority details.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/Amwinsunderwriting/Workers-Compensation-Transportation/
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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...g compactors, roll-off trucks, and dump trailers.
Petroleum Haulers: Transpo...ns a small fleet of roll-off garbage trucks with a clean loss history but limi...