Programs

All Programs at a Glance

Complete list of forms for all companies

Complete Summary of all Programs Offered

Winter Group, Inc. (WGI) has partnered with a number of superior carriers to provide you, the broker, with the best choices possible for your insurance.

This document provides an overview for easy reference of each program offered.

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AIG Intermodal Program

This program from AIG fills the need for a true Intermodal program that is competitive with other specialized programs from other top-rated carriers. It has a rating plan that reflects the exposures and needs of this class of business that is becoming more and more prevalent in the Trucking Industry. For our purposes, Intermodal is defined as Containerized Freight originally carried by Rail, Ship or Air and trucked to a warehouse for dispatch to the consumer.

This will operate outside of California and includes Alaska and Hawaii.

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Small Fleet Group
(Small Fleet Truck Insurance Program with U.S. Based Admitted A+ Rated Carrier)

This is a primary internet rated, trucking liability, physical damage and general liability program. It was designed for the small fleet risk with 1-25 units. Because of its Internet rating capability, quotes are usually obtained within minutes and if for any reason refers to an under-writer within 24 hours, for larger risks this could take up to 48 hours. SFG companies are Best rated A+.

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Commercial Fleet Program

WGI is pleased to be able to offer to you a COMMERCIAL FLEET PROGRAM FOR 26+ and up units. This program offers the opportunity to quote risks that need to be experienced rated and on an all owned vehicles basis with monthly payment plans. If AIG writes the entire package we can offer Workers Compensation, with a minimum premium of $100,000.00 for the WC.
Inside this webpage are the liability and driver requirements to underwriter this program along with an application and documents needed to quote.

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Large Fleet Program

WGI is providing to a select group of professional brokers throughout the United States a program for large fleets.
Monoline 350 units, or 250 units to include AL, PD, Cargo and WC. Retentions and deductibles start at $100,000 and go up. The requirements to quote
are outlined within the site.

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Crum & Forster

Crum & Forster offers an individualized underwriting approach, together with claims and loss control expertise. C&F is positioned well to service commercial auto insurance needs.

They feature strong customer orientation, a broad under-writing appetite, commitment to underwriting and pricing skills, recognized expertise and excellent service in claims and loss control.

They have competitive pricing and products and reliability of risk acceptance.

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Explorer - A Member of ICW Group

This is a California program for short haul (200 mile radius). This is a VERY competitive market. They will not do "For Hire". The underwriting guidelines are more lenient than most.

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Century-National Insurance Company

Century-National offers a Commercial Auto Program for service and retail business owners, artisans and service contractors, with light and medium vehicles. They will write any account or any size vehicle.

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Homestate Companies

Homestate Companies, a division of Berkshire Hathaway, is a regional specialty insurance carrier that bridges the gap between standard commercial lines companies and surplus lines markets by providing insurance coverage for moderate to high hazard risks. Each of our specialty divisions are managed and underwritten by insurance professionals who understand the unique characteristics and challenges of risks in their segment. This approach results in tailored coverages, better service, and competitive premiums for our policyholders.

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TOPA Commercial Truck Liability

California only commercial liability program. Physical Damage coverage available on a stand alone basis. Both 6 and 12 month terms available. Tow truck and Cargo coverage available. One to four units written as non-fleet risk. More than five units may be written with approval.

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National Interstate

National Interstate consistently delivers responsive and creative solutions to its customers' unique transportation-related insurance needs. National Interstate is rated as A VIII "Excellent" by AM Best and offers limits up to $5M with excess liability and physical damage limits available upon request. NIIC offers a full compliment of specialty coverages, including automobile liability, general liability, physical damage, garage liability, and workers' compensation (Captives programs only), all incorporating these features and more.

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Federal Motor Carriers RRG, Inc.

Federal Motor Carrier Risk Retention Group, Inc. is a Delaware domiciled Risk Retention Group. We specialize and service exclusively the transportation industry. FMCRRG offers many advantages, including:

  • Focused on underwriting commercial auto liability insurance for trucking fleets.

  • Sound solutions to first dollar insurance coverage.

  • Professional, experienced and dedicated staff.

  • Emergency response. We can deliver a quote within two days. We process claims quickly and have a 24/7 claims hotline.

  • Innovative approach to risk management and loss control to reduce claims frequency and severity.

  • Producer friendly.

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A Rated Company for Stand alone Physical Damage, Cargo and Excess Liability for small or large fleets

WGi now has the capability to rate in house for an "A" rated carrier the following coverages:

  • Physical Damage
  • Cargo
  • Excess liability above a $1,000,000 primary layer.

With the addition of these coverages WGi can now offer all coverages for the transportation field with in minutes or at the latest hours.

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International Transportation & Marine Agency, Inc.

ITMA has recently launched its admitted MTC facility with PMA (Pennsylvania Manufacturers Association Insurance Company). PMA is an A- Rated 50-state admitted carrier that has been in business for over 90 years. The Motor Truck Cargo product is exclusive to ITMA.

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OCC/ACC Programs

We have two occupational / accident programs for the owner/operator who wants coverage while driving under contract as an independent driver. This coverage is for occupational and accidental injuries while on the job. We have two different programs through AIG.

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Prepaid Legal


Commercial Drivers
Legal Plan

Tragic Accident Representation,

Moving Violations,

License Reinstatement,

DOT and Non-Moving Violations,

Property Damage Collection,

Personal Injury Collection,

Identity Theft,

Many Other Legal Services

 

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Workers Compensation

WGI has partnered with several entities, focusing exclusively on the insurance and risk management needs of the insurance brokerage and agency community.

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TRIP
(Transportation Insurance Program)

Arthur J. Gallagher's TRIP Program is a self-funded program with excess limits on an aggregate basis.

This is a total package approach that includes the following coverages:

  • Primary Auto Liability

  • Physical Damage

  • General Liability

  • Cargo

  • Workers Compensation

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CRS
(Contract Resource Solutions
)

This is a unique way of handling the WC exposure of the owner/operator that the MC faces. This program effectively shelters the MC from owner/operators seeking to gain employee status. As a result of this unique program and how it is structured CRS is able to give the MC a statutory WC certificate on each of their owner/operators. A special leasing arrangement can be used to legally transfer equipment to the O/O.

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The Hartford
International Agribusiness Group

The Hartford's International Agribusiness Group is a group of agriculture insurance professionals, dedicated to providing risk management protection to farmers, ranchers, livestock markets, feedlots and other agribusinesses. For almost 90 years they've been protecting agribusinesses throughout North America as a large national company, with a local focus.

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The TLC Companies

The TLC Companies is a professional employer organization (PEO). We provide a complete program of Workers Compensation insurance, payroll, risk management and human resource services to trucking companies in 40 states. In business since 1985, The TLC Companies is the leading provider of PEO services to the U.S. trucking industry today. Our Comp rates are very competitive, as the result of our driver screening, risk and claims management, our size and 18+ years of experience.

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Classic Plan

WGI is pleased to announce ClassicPlan Insurance Premium Financing as the preferred premium finance company for WGI business. This arrangement will allow WGI to process business more efficiently and provide a higher level of service to our producers.

We hope you support WGI by using ClassicPlan for the financing of WGI business.

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Premium Financing Specialists

PFS is the fourth largest premium finance company in the United States in premium dollars financed and PFS is number one in the number of accounts financed nationwide.

PFS has over 20 full service branch offices and over 30 marketing representatives throughout the United States.

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Global Travel Security

Membership is virtually for anyone who travels now or plans to travel in the future. The service guarantee is for life, it will not lapse or
terminate. Services are available 24 hours a day, 365 days a year. Mortal remains service is available anytime you travel more than 100 miles from your legal residence - anywhere in the world.

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