Overview of the Program from Agents Insurance Markets, Inc.
Agents Insurance Markets, Inc. has been a trusted partner in the trucking insurance space for over three decades. We specialize in helping agents place hard-to-insure and niche transportation risks. Our Off-Road Truckers General Liability Insurance program is designed to protect unlicensed, off-road trucking operations that are physically located or garaged in Virginia. Whether your client operates a single unit or a small fleet of up to 20 trucks, we can help you find coverage that fits their needs and budget.
Ideal Accounts and Appetite
This program is specifically tailored for:
- Unlicensed truckers operating exclusively off-road
- Fleets with up to 20 power units
- Coal haulers based in Virginia (excluding Kentucky operations)
- New ventures with at least three years of prior experience
Each unit must be scheduled by year, make, model, and VIN, and all vehicles must be titled to the named insured. An annual inspection is also required to maintain eligibility.
Coverage Highlights and Advantages
Our Off-Road Truckers General Liability program offers robust protection with flexible options, including:
- Comprehensive General Liability Coverage
- Property Coverage with Enhancement Form
- Available Property Floaters for Equipment and Tools
- Additional Insured Endorsements
- Waiver of Subrogation and Primary Wording available
- Per Project Aggregate limits available
Liability Limits:
- Up to $1,000,000 per occurrence / $2,000,000 aggregate
- $100,000 Damage to Premises Rented to You
- $5,000 Medical Payments
- Coverage provided on an Occurrence Form
Underwriting Notes and Restrictions
To be eligible, all risks must be physically located or garaged in Virginia. We do not write the following classes:
- Risks garaged outside of Virginia
- Truck brokers
- Coal haulers operating in Kentucky
- Transport or distribution of hazardous materials
- Transport or distribution of gasoline, diesel, or fuel oil
Territories and Availability
This program is available in Virginia and North Carolina. However, the insured’s risk must be located or garaged in Virginia to qualify under this program’s current guidelines.
Why Work With Agents Insurance Markets, Inc.?
Agents Insurance Markets, Inc. is a Managing General Agency with deep experience in niche transportation risks. We work hard to provide agents with access to competitive and comprehensive off-road trucking solutions. Our access to Nautilus Insurance Company allows us to offer flexible, non-admitted solutions for your off-road trucking clients who may not qualify for standard markets.
Whether you're working with a start-up coal hauler with unlicensed trucks or a mid-size off-road fleet looking to expand, we’re ready to partner with you to place the right coverage.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for unlicensed off-road truckers with up to 20 power units that are physically located or garaged in Virginia. Coal haulers are also eligible, excluding those operating in Kentucky.
Can I submit new ventures for coverage?
Yes, we accept new business accounts with at least three years of prior experience in trucking operations.
Is coverage available for equipment and tools?
Yes, property floaters are available to cover equipment and tools as part of the overall property coverage package.
What are the liability limits offered under this program?
The program offers General Liability limits up to $1,000,000 per occurrence and $2,000,000 aggregate, along with additional sublimits for medical payments and rented premises.
What states is this program available in?
The program is available in Virginia and North Carolina, but the insured’s risk must be garaged or physically located in Virginia to be eligible.
Need help placing an account? Connect with a market specialist.