Commercial Specialty Auto Insurance

$10,000 minimum policy premium. Commercial specialty auto insurance fleets (private passenger, light, medium, heavy or extra heavy) that are used in the following industry segments:

• Hospitals, healthcare & ambulance services
• Most couriers
• Hired non-owned, except for cannabis, food delivery or courier risks
• Construction & contractors, except fleets that consist mainly of heavy and extra heavy units
• Manufacturing
• Communications
• Wholesale & distributors
• Retail trades
• Financial institutions
• Real estate companies (i.e. REITs)
• Public administration
• Overseas companies with U.S. auto exposure
• NEMT ambulances
• Security operations and contractors

• Fleets that require federal filings
• Amazon couriers
• Food delivery operations (other than wholesale distributors)
• Medical transport risks with more than 50% wheelchair vans
• Wheelchair van operations for NEMT risks
• New ventures operations (accounts must be in business for at least 1 full year)
• Dump truck/recycling/waste hauling operations
• Ride share operations
• Ambulance risks with fewer than 5 units
• Airport shuttle services
• Hazmat transport operations
• High loss frequency
• Ready mix concrete operations
• Hot shot operations or expeditors
• Long-distance operations
• Staffing agencies
• Railroad operations
• Child transport
• Daycare operations