Specialized Coverage for Transportation Businesses

Specialty Transportation Insurance Programs

Specialty transportation businesses face risks that may not fit within a standard commercial insurance policy. Our specialty transportation insurance programs are designed for eligible operations such as towing and roadside assistance companies, dump truck haulers, equipment and material transporters, debris removal businesses, waste haulers, recyclers, and other commercial transportation companies.

Available coverage options may include commercial auto, workers’ compensation, general liability, auto physical damage, and excess liability. Review the program details below to learn more about eligible operations, minimum premium requirements, fund structure, and program exclusions.

Transportation Program Highlights

This Specialty Transportation Insurance Program is designed for larger commercial transportation operations seeking comprehensive insurance solutions through a variable cost insurance structure.

• Minimum Premium: $350,000 for Workers’ Compensation, General Liability, Commercial Auto, and Excess coverage up to $10 million. Towing operations require a $500,000 minimum premium.
• Fund Structure: A Fund: $100,000  |  B Fund: $100,001–$500,000.
• Program Exclusions: Last-mile delivery, passenger transportation, businesses with more than 50% owner/operators, and operations with New York City exposure.