r/commercialinsurance

 are the following insurance requirements available for a small business, albeit high-risk policy for intermittent periods of work?

5.          INSURANCE. Prior to commencement of the Work, the Subcontractor shall procure, and at all times thereafter until the Subcontractor’s obligations under this Agreement are fully discharged, maintain with insurers acceptable to Contractor, the following minimum insurance insuring the Subcontractor, Contractor, the Owner, and any additional indemnitees as required by the Prime Contract, against all liabilities assumed by Subcontractor under this Agreement. Such policies shall include:

Workers’ Compensation within statutory limits as prescribed by applicable law where the work is being performed and Employers’ Liability in the minimum amount of $500,000.00 each accident.  Where applicable, coverage shall include U.S. Longshore and Harbor Workers’ Compensation Act, and the Jones Act.  Subcontractor shall provide Worker's Disability Insurance with limits in accordance with the law.

Commercial General Liability including the following coverage extensions: (1) Contractual Liability, (2) Products/Completed Operations, (3) Broad Form Property Damage and (4) Independent Contractors. The limits of liability for such insurance shall be not less than $2,000,000.00 single combined limit. Coverage shall be written to provide that the general aggregate limit applies per project/location.

Automobile Liability extending to owned, non-owned and hired automobiles used in the performance of the work.  The limits of liability shall be not less than $2,000,000.00 combined single limit.

If providing Professional Services; Professional Errors and Omissions Liability Insurance policy must be provided covering the errors, acts or omissions of the Subcontractor. The limits of liability shall be not less than $ 1,000,000.00 combined single limit.

Excess/Umbrella Liability insurance on a following form basis with limits of Each Occurrence $10,000,000, General Aggregate $10,000,000.

If applicable, Subcontractor must provide Pollution Liability Insurance in the amount of $5,000,000 with Contractor, Owner and any additional indemnitees as established by the Prime Contract listed as additional insureds, which insurance shall provide coverage for environmental liability resulting from Subcontractor’s activities at the Site, including, but not limited to, demolition activities related to asbestos.

Limits required for Commercial General Liability and Automobile Liability may be provided by use of an Umbrella Liability policy. All such liability policies shall be written to provide required coverages on an “occurrence” basis.

The Subcontractor shall include Contractor, the Owner, and any additional indemnitees as required by the Prime Contract, as an additional insured on each of these policies except for Worker's Compensation, including products/completed operations coverage’s, to the maximum limits of coverage carried by the Subcontractor. A copy of the endorsement or policy provision shall be submitted with the certificate of insurance pursuant to an ISO form CG 2010 11/85 or any similar endorsement providing the same or broader coverage. The Subcontractor shall provide a waiver of subrogation in favor of Contractor, the General Contractor, the Owner and all others as required by the Prime Contract.  The Subcontractor’s insurance shall apply as primary and non-contributing insurance to any other applicable insurance maintained by Contractor. Coverage shall be maintained without interruption until date of final payment, except for Products and Completed Operations coverage which shall be maintained for two years after final payment. There shall be a 30-day notice cancellation clause stated on the certificates.

The Subcontractor shall provide Contractor with certificates evidencing such insurance as outlined above prior to beginning any Work under this Subcontract Agreement.  The Subcontractor shall cause its Subcontractor(s) to procure insurance coverage as outlined above. The Subcontractor shall obtain policies or certificates for its Subcontractor(s) and deliver them to the Contractor, if requested to do so.

Are there any Commercial Lines Insurance brokerages out there on here located in the Chicago area looking to hire entry level producers and help them obtain the P&C license as well meanwhile?

I can even pay for the classes myself if needed.

I have almost a decade of sales experience in the logistics industry.

I’m launching a personal driver service in Texas. A customer requests a driver, we send a vetted professional to their location, and our driver operates the customer’s own vehicle to get them home safely. We provide zero vehicles — only the driver.
This is not a TNC under Texas law because we don’t provide a vehicle for hire. We provide a driver for hire. That distinction matters for both regulatory and insurance classification.
There are existing companies doing this model nationally — Dryver and Jeevz. After reviewing their terms carefully, their insurance structure relies on the customer’s personal auto insurance as primary, then falls back on their own commercial liability if the personal policy denies. The problem is their terms and conditions are written in a way that makes it extremely difficult to actually get a payout on that commercial liability coverage when something goes wrong. To me that looks shady and I want no part of it. I want to be transparent with my customers about exactly what covers them and when.
What I want: From the moment our driver gets behind the wheel until the customer arrives home safely, I want the vehicle and all occupants covered under our company policy — including if an uninsured driver hits us and the customer’s personal insurance denies due to a commercial use exclusion. I’m not trying to put all liability on my insurance company and I don’t want to drive rates through the roof. I just don’t want the customer to get screwed if something happens.
Operational details: Texas. Friday and Saturday nights only. 96 operating nights per year. 2 to 3 independent contractor drivers.
The cost structure problem: Revenue is strictly tied to ride volume. A fixed annual premium before the business scales is a real burden. I’ve read that major rideshare platforms structure insurance as roughly 10% of fare revenue rather than fixed overhead. Is there any path to a per-ride or revenue-percentage premium structure for a specialty risk like this in Texas?
What I’ve already ruled out: Drivers are 1099 independent contractors so standard HNOA may not be the right product since driving customer vehicles is the primary business activity not incidental use. I also looked at garagekeepers liability — the coverage valet services use when operating a customer’s vehicle — but that’s designed for a very short distance on a fixed premises. Our drivers are taking customers home which could be several miles away. So garagekeepers doesn’t apply either. This feels like it needs some kind of specialized commercial auto product that I haven’t been able to clearly identify yet.
A note on my knowledge level: I’m still learning this space and some of what I’ve stated above may be incorrect in how I’ve classified or described things. If I’ve gotten something wrong please correct me — I’d rather know now than structure this incorrectly from the start.
What would make an underwriter comfortable taking this risk: I genuinely want to understand what a clean, well-documented submission looks like for a non-standard risk like this. I’m willing to put the work in — whether that’s driver vetting standards, documented operating procedures, ride logs, background checks, MVR monitoring, or whatever else makes an underwriter confident that this is a well-run low-risk operation. If anyone can shed light on what requirements or documentation would make this an easier risk to write I’m all ears. I want to be the operator that makes an underwriter’s job easy, not the one that ends up in the decline pile.
Anyone with experience or insight on how to properly classify and structure coverage for this type of model in Texas is appreciated.​​​​​​​​​​​​​​​​