The program

The Shuttlebee program: NEMT and small passenger fleets, priced on the account.

Commercial auto, umbrella and abuse and molestation coverage on one program, for fleets of 1 to 25 vehicles in North Carolina and Pennsylvania. Appointed retail agents and wholesalers only.

Get appointed Download the appetite guide (PDF)

Appetite

What we write, and what we don't.

Explicit exclusions save you a declined submission.

We write

NEMT ambulatory and wheelchair
Student transport
Paratransit and shuttle
Senior, camp and community transport
New ventures with no loss history
Accounts non-renewed after a carrier exit

We don’t

Stretcher and ambulance
Fleets over 25 passenger vehicles
States outside NC and PA (ask about the expansion list)

Coverages and limits

Limits mapped to the contracts your client has to satisfy.

Coverage	Available limits	Satisfies
Commercial auto liability	$1M CSL (higher on request)	ModivCare, MTM and MATP minimums
Umbrella / excess	Up to $5M confirm at launch	Health-plan and agency contracts with higher limits
Abuse and molestation	Per program form	Most Medicaid broker credentialing
Hired and non-owned auto	Included	Common contract condition
Physical damage	ACV, stated amount	Lender requirements
General liability	$1M/$2M	Credentialing requirement

Certificates issued to each broker, health plan and agency holder on bind. Mid-term vehicle and driver endorsements in days.

Commission and service

What you earn, and how fast it moves.

To be set

Commission: new and renewal rates published here once set.

24 hours

Indication on a complete submission.

1–3 days

Bind in business days; certificates the same day.

Named

Account manager for endorsements, certificates and audits.

How we price

The class is priced as if 75¢ of every dollar goes to claims. Clean accounts don't run that way.

Standard and E&S markets rate on class averages because they have no data on the account. We ask for more and rate on more: loss runs, MVRs, driver training and, once bound, telematics and daily driver check-ins through Dispatch. The result is a quote you can defend and a renewal story you can predict.

The account's record

Loss runs, MVRs.

Training

Securement, passenger assistance, Shuttlebee University.

Data

Telematics, pre-trip check-ins.

Contracts

Limits mapped to what each actually requires.

Claims paid per $1 of premium

What the class is priced to pay in claims

75¢

What the program is designed to run at

55¢

Target as the book matures

40–50¢

Program figures are pricing targets, not results. The difference comes from rating on the account’s own record, training and driving data.

Why the market stays

Carriers leave NEMT when they lose money on it. This program is built to make money on safe operators.

Every operator on the program meets a safety standard, and the data they generate makes the book safer as it grows. That is the case for staying in the class when others exit, and the answer when your client asks, “Will they drop me next year?”

Paper and ratings

Carrier name, A.M. Best rating and admitted or non-admitted status by state, shown here once contracted. Producers and their clients’ brokers will check this first.

Carrier details pending contract

FAQ

What producers ask first.

Which brokers accept the certificate?+

Limits are built to the ModivCare, MTM and MATP minimums, and certificates are issued to each broker, health plan and agency holder on bind. Send the contract list with the submission and we map each requirement.

Can you bind a non-renewal before expiration?+

That's what the program is designed for. Mark the submission urgent; a complete file gets a yes or no, the price and the bind date within 24 hours.

Can you quote an account with no loss history?+

Yes. For new ventures, driver vetting and Shuttlebee University completion stand in for loss history.

Does the client have to use Dispatch?+

Dispatch comes with the policy at no added cost. The pre-trip check-in and telematics modules are what feed the rate and the renewal credit.

How is telematics data used, and is it shared with the agent?+

It's used for rating, renewal credit and loss control. Alerts go to the operator's safety lead with context, not to an automatic write-up. You receive quarterly safety summaries for each account.

How are claims handled and who do I call?+

One number, an adjuster who knows NEMT, and a trip record that includes the driver's account. You are copied on every first notice.

What is the minimum premium and are there fees?+

Published here once set.

Send a test account and see the difference on your own book.

Submit an account Get appointed Call (484) 324-2559