The Transportation group is a specialized unit that underwrites Excess Liability (minimum $1M attachment) for accounts with significant auto liability exposure. Niches we cover include auto buffers/carve-outs, trucking, hauling, delivery, distribution, bus/van, etc.
Targeted Transportation classes of business:
- Trucking operations
- Auto buffers (contractors, sales, service, and other large fleets)
- General transportation/hauling (fuel hauling, moving and storage, garbage hauling, oilfield hauling, sand and gravel, redi-mix, agricultural hauling, building materials hauling)
- Bus and van operations (charter, transit, school, shuttle)
Limits and attachment
- We offer up to $2,000,000 capacity within the lead 10M layer
- We offer up to $3,000,000 quota share or layering capacity in the excess of 10M layer
- Minimum primary limit requirements: AL 1M CSL, GL 1/2/1 (incidental exposure only), EL 500/500/500 fleet size, commission amount and minimum premiums
- Trucking and large fleet up to 2500 units for placements within lead 10M. No fleet size restrictions on high excess placements
- Commission up to 17.5%
- Minimum premiums: $50K for 1M limit, $75K for 2M limit
Product offerings
- Endurance Excess Liability policy – follow form excess
- Endurance American Specialty Insurance Company paper (AM Best A+ XV)
- CA9948 (broadened pollution), MCS-90/90B, BMC 91X and state filing capabilities
Excluded classes of business
- Hired and non-owned fleets
- Freight brokerage if greater than 20% of total revenue (Lead 10M Placements Only)
- Emergency transportation
- Freight forwarding
- Taxi cabs, limousine, black car
- Vehicle leasing or rental
- Fast food delivery
- Ride sharing (Uber, Lyft)