Transportation Insurance Solutions

Specialty Transportation Insurance Programs

Specialty transportation businesses can face operational and liability risks that may require insurance solutions beyond a standard commercial policy. Surefire Insurance Agency works with eligible transportation businesses across a range of specialized classes, including larger commercial fleets, long-haul trucking, towing and roadside assistance, contractor operations, waste hauling, intermodal transportation, dump truck hauling, and beverage distribution.

Available coverage options may include commercial auto, workers’ compensation, general liability, auto physical damage, and excess liability. Review the eligibility and program details below for target operations, minimum premium requirements, fund structure, and exclusions.

Program Requirements & Structure

The Specialty Transportation Insurance Program is intended for established commercial transportation operations seeking specialized coverage 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.