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Vehicular Segment Overview

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. See our Financial Ratings.

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.

As an added value to our policyholders, we work closely with the professionals at our sister company, Carolina Casualty Insurance Company, also a W. R. Berkley Corporation subsidiary. Their loss prevention department brings exceptional risk reduction services to our customers. CCIC’s talented group of loss control professionals have specific vehicular and trucking expertise and can help you identify and mitigate loss exposure, including assistance in CSA compliance.

Through our network of specially-qualified Surplus Lines brokers, let us provide you with the protection you deserve. To find a broker in your area, navigate to the Find a Broker section of our website or contact us today.

Click on the tabs below for descriptions of the vehicular policies we offer. 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 Policy – 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.
Stand Alone Excess Liability Policy – 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.

*Products and services described above are provided through various surplus lines insurance company subsidiaries of W. R. Berkley Corporation and offered through licensed surplus lines brokers. Not all products and services may be available in all jurisdictions, and the coverage provided by any insurer is subject to the actual terms and conditions of the policies issued. Surplus lines insurance carriers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.For additional information concerning W.R. Berkley Corporation’s insurance company subsidiaries, click here

Any description of policy forms is a general outline of the policies and is subject to change. Specific terms and conditions of any policy are only set forth in the actual policy issued and are governed solely by its express terms and conditions.


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