What Type of Transportation Business Do You Operate?
Not every transportation company faces the same risks. Choose the operation closest to your business to explore the coverage questions to review.
Non-Emergency Medical Transportation
Understand passenger liability, wheelchair equipment, driver qualifications and contract requirements for non-emergency medical transportation.
Learn more about NEMT insurance
Shuttle and Group Transportation
Review seating capacity, routes, drivers and insurance considerations for airport, hotel, employee, church and daycare shuttles.
Learn more about Shuttle Insurance
Black Car, Limousine and Executive Transportation
Explore passenger risks, higher-value vehicles, professional drivers and contract requirements for black car, limousine and executive transportation.
Learn more about Executive Transportation Insurance
Towing and Roadside Assistance
Learn how tow truck, on-hook, garagekeepers and roadside coverage relate to customer vehicles, recovery work and storage.
Learn more about Towing and Roadside Insurance
Vehicle Transport and Vehicle Movement
Understand truck, trailer and cargo coverage questions when customer vehicles are hauled, relocated or temporarily stored.
Learn more about Vehicle Transport InsuranceSpecialty Transportation Insurance Is More Than Commercial Auto
Commercial auto is one part of the picture. Depending on your operation, review these coverage and contract questions together.
- Commercial Auto Liability
- Physical Damage
- Passenger Liability
- General Liability
- Workers’ Compensation
- Hired and Non-Owned Auto
- On-Hook Towing
- Garagekeepers Coverage
- Cargo or Property-in-Transit Coverage
- Contract Insurance Requirements
- Additional Insured Requirements
- Certificates of Insurance
What Determines Your Transportation Insurance Needs?
Insurance companies review the operation, not just the vehicle.
Vehicles
The number, type, age and value of your vehicles affect coverage and pricing.
Drivers
Driving history, experience, qualifications and driver numbers affect underwriting.
Passengers or Property
Transporting people creates different risks than moving vehicles, equipment or customer property.
Operating Area
Routes, operating radius, service territory and interstate work can influence requirements.
Contracts
Customers may require specific liability limits, documentation or endorsements.
Business Growth
Additional vehicles, drivers, locations or services can change existing coverage needs.
Before You Accept a Transportation Contract
A contract can require more than proof of insurance. Before signing, compare the requested coverage with your existing policies.
- Liability limits
- Passenger liability
- Additional insured endorsements
- Certificates of Insurance
- Workers’ compensation
- Commercial auto limits
- Cargo or property coverage
- Vehicle-specific requirements
Review the requirements before work begins so potential gaps can be identified early.
Explore Transportation Coverage GuidesGrowing From One Vehicle to a Transportation Fleet
Coverage that suited one vehicle may not fit several vehicles and multiple drivers. As your business grows, review:
- Vehicle schedules
- Driver lists
- Liability limits
- Claims history
- Physical damage coverage
- Passenger exposure
- Contracts
- Certificates
- Fleet administration
Review coverage when vehicles, services or contracts change.
Read the Commercial Fleet Insurance guideSpecialty Transportation Insurance Questions
Is specialty transportation insurance different from regular commercial auto?
Yes. Passenger transportation, customer vehicles, medical transportation, towing and contracts can require a broader review than standard commercial auto.
Does every transportation company need passenger liability?
Not always. Passenger liability concerns operations that carry people. Towing, vehicle transport and delivery businesses may have different priorities.
Can Motive review insurance requirements in a contract?
Yes. Motive can help review required limits, certificates, endorsements and other insurance terms before coverage decisions are made.
What information should I have ready for a quote?
Prepare your business, vehicle and driver details, service area, passengers or property transported, contracts, claims history and current insurance.
Can my insurance change as my transportation business grows?
Yes. More vehicles, drivers, services or operating areas can change your exposures and coverage options.
Find the Guide for Your Transportation Business
Start with the operation closest to your business.
Explore coverage terms, common risks and practical questions for NEMT, shuttle, black car, towing and car hauling businesses.
Explore Specialty Transportation Guides