Industry · Fleet
Delivery, courier, mobile service, field operations.
Commercial auto is the most volatile line in the market. Whether you operate one truck or fifty, fleet exposure compounds every driver, route, and contract — and a single nuclear verdict can sink the business.
Risk profile
Fleet-based operators face the worst loss-ratio environment in commercial insurance. Nuclear verdicts, distracted driving, MVR-driven underwriting, and non-owned/hired auto exposure all push premiums and limits in the same direction. The job is to structure auto, GL, and umbrella so they actually respond — not just bind.
Top exposures
Commercial auto liability
Bodily injury and property damage from owned vehicle accidents.
Hired & non-owned auto
1099 driver, rental, and employee-vehicle-on-business exposure.
Motor truck cargo
Damage or loss of customer goods in transit.
Driver MVR & hiring practices
Underwriting hinges on motor vehicle records, training, and screening protocols.
Nuclear verdict exposure
Jury awards on auto-related bodily injury claims have multiplied — primary + umbrella alignment is critical.
Loading & unloading
Often where the claim happens, and often where GL/Auto boundary disputes arise.
Core coverage stack
General Liability
→Premises and operations coverage outside of vehicle operation.
Workers' Compensation
→Driver-employee statutory coverage with appropriate class codes.
Property / Cargo
→Owned cargo, equipment, tools, and warehouse contents.
Cyber & Privacy
→Dispatch software, customer data, and payment processing exposure.
NYC operating notes
NY commercial auto market is hard — we maintain wholesale relationships for non-standard and high-MVR fleets.
TLC-licensed vehicles operate under separate state-administered insurance requirements with $100K/$300K bodily injury floors.
1099 driver classification is enforced aggressively; we build programs that hold up to NY Department of Labor scrutiny.
Bridge and tunnel routing affects rates — carriers underwrite on garaging location and operating radius.
Other industries we serve
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