Public Auto Insurance For NC and VA

Agents Insurance Markets, Inc. (AIM) is a Managing General Agency offering a focused Public Auto Insurance program for community-oriented transportation risks in North Carolina and Virginia. Backed by more than three decades of experience in the transportation market, AIM provides responsive underwriting, quick turnaround, and practical coverage solutions through Stratford Insurance Company on an admitted basis in available states.

Overview of the Program

This program is designed for public auto operations that transport passengers on a for-hire or nonprofit basis. AIM underwrites single vehicles up to full small fleets and works with agents to place taxis, limousines, vans serving churches, daycare providers, van pools, and similar community transportation services. The program emphasizes straightforward submission requirements, flexible limits, and a focus on well-managed operations.

Ideal Accounts and Appetite

• Taxis (note: physical damage limits for taxis are capped at $125,000 per vehicle)
• Limousines and luxury chauffeured services
• Church vans and other faith-based transport
• Daycare and childcare transport vans
• Van pools and employee transport within community ranges

AIM targets local and intermediate operations with driving radiuses of 0–300 miles (Local: 0–100 miles; Intermediate: 101–300 miles). The best-fit accounts are community-based or business-to-business services with disciplined maintenance programs, clear driver screening and training, and generally clean MVR histories.

Coverage Highlights and Advantages

• Primary liability: Limits available up to $1,000,000 Combined Single Limit (CSL)
• Physical damage: Coverage available up to $125,000 per vehicle (taxi cap applies)
• Quick quoting for small accounts — phone quotes for four vehicles or fewer
• Flexible terms for single-unit placements through small fleets
• Acord applications accepted for initial submissions to simplify quoting

Underwriting Notes

The program is underwritten through Stratford Insurance Company. There is no stated minimum premium, but submissions should demonstrate responsible operations: well-maintained vehicles, current MVRs, documented driver hiring and training practices, and clear use patterns within the 0–300 mile radius. For accounts of five or more vehicles, provide a complete submission including current MVRs for each driver. AIM underwriters work with agents to clarify exposures and structure competitive, practical terms.

Territories and Availability

This Public Auto program is offered exclusively for risks located in North Carolina and Virginia. Coverage is placed on an admitted basis in those available states through Stratford Insurance Company.

Why Work With Agents Insurance Markets, Inc.?

AIM brings deep niche expertise in transportation products and a hands-on approach for agents placing community and small commercial fleets. As an experienced MGA, AIM provides:

• Direct underwriting access and timely responses
• Practical appetite guidance so you avoid wasted submissions
• Ability to handle single units up to multiple-vehicle accounts with clear submission pathways
• Partnership orientation — support for underwriting questions and endorsements

Example Scenarios

• You have a church that operates two vans for weekend services and youth programs. They maintain driver records and perform routine maintenance — this program can provide admitted coverage with appropriate liability and physical damage limits.
• A local daycare operates three passenger vans to transport children to nearby schools. With documented driver screening and current MVRs, you can often secure competitive terms; phone quoting is available for accounts of this size.