Transportation programs are dominated by auto exposure. Premiums often 60-70% of total coverage cost. Cargo, garage, and motor-truck-cargo coverage layer on top. The line that defines this industry is auto-liability limit adequacy, especially in jurisdictions where nuclear verdicts (>$10M) are common.
Drawn from analysis of mid-market accounts in this class. Two of them are structural: what's missing from the coverage rather than premium-driven.
The lines ARIA recommends for a well-structured coverage in this industry, in the order they typically attach.
A company driver, fatigued at the end of a long shift, rear-ends a passenger vehicle at highway speed. Three fatalities in the passenger vehicle. Plaintiff demands $24M; venue is plaintiff-friendly.
Operator's $5M primary + $5M umbrella tower exhausts at $10M. Operator absorbs $14M of judgment out-of-pocket. Settlement discussions reveal MVR review on the driver showed prior speeding violations 18 months before hire; negligent-entrustment theory adds punitive exposure. Operator files Chapter 11.
RiskMind structure: $5M primary + $25M umbrella (4 layers from 3 carriers) + driver-MVR monitoring coverage with monthly pulls. Tower responds to the $24M settlement; driver-MVR coverage documentation defeats the negligent-entrustment theory. Indicative annual premium for the upgraded tower + monitoring: $580K–$840K. Operator survives.
Annual premium distribution across the full coverage stack for a comparable business in your industry. ARIA refines your exact position once it reads your declarations page.
Illustrative dataset · n=84 mid-market placements in this class
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