Vehicular Segment Overview - Gemini Transportation Underwriters

Whether your fleet has 50 units or 20,000 power units, we have the capability of underwriting a program tailored to your specific needs.

Gemini Transportation Underwriters specializes in providing Excess Automobile Liability and Umbrella Liability insurance to businesses whose predominant liability exposure exists by way of vehicles traveling our nation’s roadways.

Our risk appetite is broad. Whether you carry passengers, volatile cargo or nearly anything in between, we confidently consider any variety of qualified customers. A tradition of underwriting flexibility in program design allows us to customize coverage on a case-by-case basis. Our financial strength provides peace of mind that we will fulfill our promise of protection when needed.

Ask your broker which policy is right for you.

UMBRELLA LIABILITY – OCCURRENCE FORM

This policy form initially modeled from the traditional ISO umbrella policy form has been customized to provide more specifically targeted coverage. Written on a surplus lines basis, coverage can be modified to meet the specific needs of our policyholder.

FOLLOW FORM EXCESS LIABILITY – OCCURRENCE FORM

This policy form is more concise as the terms and conditions basically reflect the terms of the policy of the first layer (‘lead policy’). This form will follow all the terms and conditions of the lead policy unless specifically endorsed, and will respond to losses only after the limits of the lead policy have been exhausted.

STAND ALONE EXCESS LIABILITY – OCCURRENCE FORM

This excess liability policy form will respond to losses only upon a loss as specifically defined in the policy wording. The terms and conditions of this policy is stand along in nature as it does not rely on nor automatically follow any of the terms or conditions of an underlying or primary policy(ies) and typically attaches over a self-insured retention. This policy form has many valuable uses including providing a foundation of policy terms when a policyholder is a qualified self-insured by certain states.

TARGET VEHICULAR COMPANIES

Long-haul Truck Load Carriers
Intermediate-radius Truck Load Carriers
Less-than-Truck Load Carriers
Contract Carriers
Dedicated Fleets
Private Fleets
Intermodal Carriers
Commuter & Charter Buses
School Buses
Para-transit Livery
Airport Shuttle Vans
Stone Aggregate Haulers
Cement Movement Haulers
Gasoline and Diesel Fuel Carriers
Hazardous Waste Truckmen
Chemical Haulers
Milk Carriers
Vehicle Leasing & Rental Companies
Ammunition & Explosives Carriers
Flat-bed Haulers
Household Goods Movers
Residential & Commercial Rubbish Removal

Our Expertise

The breadth and depth of our experience helps provide stability and consistency for our policyholders. With years of involvement in the transportation insurance industry, our underwriters possess a keen understanding of transportation industry norms and historical trends and stay informed about issues that will impact the future of the industry.

Along with our underwriting expertise, policy claims are handled with special technical knowledge and experience uniquely relevant to the transportation industry. Vehicular excess liability claims can pose unanticipated pitfalls. Don’t go with a general claims adjuster and leave the future of your loss history experience to chance.

Choose a specialist; choose Gemini.

Whether your fleet has 50 units or 20,000 power units, we have the capability of underwriting a program tailored to your specific needs.

Ask your broker which policy is right for you.

UMBRELLA LIABILITY – OCCURRENCE FORM

FOLLOW FORM EXCESS LIABILITY – OCCURRENCE FORM

STAND ALONE EXCESS LIABILITY – OCCURRENCE FORM

TARGET VEHICULAR COMPANIES

Through our network of specially-qualified Surplus Lines brokers, let us provide you with the protection you deserve.

Our Expertise

Choose a specialist; choose Gemini.

Through our network of specially-qualified Surplus Lines brokers,
let us provide you with the protection you deserve.