A market for the NEMT and small passenger accounts you can't place.
Commercial auto, umbrella and abuse coverage for fleets of 1 to 25 vehicles in North Carolina and Pennsylvania. Priced on the account’s own driving data, so clean fleets quote below the class.
Built by a former operator and a 27-year program actuary. Certificates issued for broker credentialing on bind.
The gap in the market
Standard markets decline it. E&S overprices it. Your client leaves either way.
75¢
of each premium dollar is what this class is priced to lose to claims
9.5%
commercial auto rate increase in 2025
$15K+
typical year-one premium per vehicle on a new venture
The program
One program your client gets routes, safety tooling and insurance from. Nobody else combines the three.
Insurance
Limits mapped to ModivCare, MTM, MATP and health-plan contracts. Written for the accounts standard carriers decline: new ventures, non-renewals, wheelchair exposure.
Dispatch
Routing, broker trip intake and document management, included with the policy. Operators meeting the standard get vetted contract work from the network, which makes your client stickier.
Predict & Prevent
Pre-trip driver check-ins, telematics and securement training. The data feeds the rate, so clean accounts earn credit at renewal instead of a surprise.
| Sends work | Has driving data | Writes insurance | |
|---|---|---|---|
| Standard carriers | No | No | Yes |
| E&S markets | No | No | Yes |
| Dispatch & telematics vendors | No | Yes | No |
| Shuttlebee | Yes | Yes | Yes |
Your quote story
We price the account, not the class.
- 1
You send loss runs, MVRs, vehicle schedule and contracts.
- 2
We rate on the account's record, drivers and training, not just the ISO class.
- 3
On bind, the client connects telematics and daily check-ins through Dispatch.
- 4
Clean data earns credit at renewal. Your renewal conversation gets easier every year.
Indication · 10-van ambulatory fleet
Illustrative. Rated on the account’s record, training and data.
Appetite at a glance
Three accounts you can place this quarter.
1 to 5 vehicles
New ventures
No loss history required.
Collect: Broker application and driver list.
How to place3 to 12 vehicles
Renewals and non-renewals
Move clean ambulatory accounts off E&S or replace an exiting carrier before expiration.
Collect: Loss runs and MVRs.
How to place10 to 25 vehicles
Wheelchair fleets
Mixed fleets across several contracts.
Collect: Contract list with required limits and training records.
How to placeNot written: stretcher and ambulance, fleets over 25 passenger vehicles, states outside NC and PA.
Due 6:30 AM · Route 14
Pre-trip inspection & check-in
Vehicle walk-around
- Lights & signals
- Brakes
- Tires
- Mirrors & horn
Securement equipment
- Wheelchair tie-downs (4)
- Occupant restraint belts
- Lift / ramp cycle
Driver
- Fit for duty
Predict & Prevent, the story you tell the client
Give your client a safety program, not just a policy.
- Fewer loading and securement claims, the ones that set this class's price
- The documentation brokers and auditors ask for
- A renewal credit the client can see coming
Proof
Run by people who have run the vans and built the programs.
Kristina Fahl
Co-Founder & CEO
Former student transport operator. Scaled 1,000+ operators across North America at Bus.com.
Somil Jain, FCAS
Co-Founder & Chief Insurance Officer
27 years building insurance programs. Formerly Chief Actuary at Next and Steadily.
USDOT SBIR review
Predictive safety analytics
Reviewers cited a “cohesive and novel approach” to predictive safety analytics.
What appointment gets you
Built to make this class easy to write.
Commission
On new and renewal business. Rate shown here once set
Speed
24-hour indication on complete submissions; bind in 1 to 3 business days.
Service
Certificates and endorsements handled by our team; mid-term vehicle and driver adds in days.
Producer toolkit
Client one-pagers, coverage checklist, email templates and webinar access.