When it’s your client’s job to be on the road, it’s your job to help keep them there.


Let UIG help. Here’s what you can expect from our Specialty Auto coverage:

  • Business Auto Liability
  • Garage Keeper Legal Liability
  • Physical Damage
  • Hired and Non-Owned
  • Uninsured/Underinsured Motorist
  • Following Form Higher Limits of Liability

Policy limits and deductibles:

  • $100,000 to $1,000,000 on Primary Auto
  • $4 million additional coverage limits are available ($5 million total)
  • First dollar and deductible programs are available on AL policy
  • Minimum Auto Liability Deductibles start at $2,500
  • Physical Damage Coverage must have at least a $1,000 deductible

Minimum premium:

  • $10,000

Target classes:

Commercial specialty auto insurance fleets — private passenger, light, medium, heavy or extra heavy – that are used in following industry segments:

  • Healthcare — hospitals, ambulance, couriers, mental health facilities
  • Construction
  • Manufacturing
  • Communications
  • Wholesalers and Distributors
  • Retail Trades
  • Financial Institutions
  • Real Estate Companies (i.e. REITS)
  • Miscellaneous Services
  • Public Administration
  • Overseas Parents Corp. with US-based operations
  • Dump Operations > 50 Power
  • Units

Areas of emphasis:


  • Hired & Non-Owned Exposures (Stand Alone & Bundled) — i.e. Hospitals with visiting nurses, couriers with independent contractor exposure.
  • No food delivery

Extra Heavy Units

  • Owned units, carrying owned goods, portion of the fleet or entire fleet — many “standard markets” avoid this exposure.

Other Lines in a Specialty Market

  • Other lines are in captive or in a specialty market. (i.e. engineering firms, aircraft parts)

Long haul exposure

  • Owned fleets with a long haul exposure, portion of the fleet or entire fleet – many “standard markets” avoid this exposure.

Symbol 10 or manuscript

  • Symbol 10 or manuscript wording needed to tailor the coverage to a unique situation.

Large sales fleets

  • In many cases, the WC and auto are the only coverages that need to be purchased in the US.

Public livery

  • Fleets with “incidental” public transport — (i.e. colleges, hospital with non-emergency transport)
  • No assisted living

Flexible driver guidelines

  • Driver(s) do not meet “standard market” driver guidelines—our guidelines are more flexible than many “standard markets”.

Large loss

  • Incumbent carrier took a large loss and does not want to renew, but otherwise the experience and controls are good.

Unique Equipment

  • Fleet where a portion of the units have unique equipment attached to the power unit. (i.e. industrial vacuum trucks, welding units)


To find out more about what UIG can do for you drop us a line at info@uigusa.com. Also, feel free to connect with us on LinkedIn and join our Young Agent’s Group.