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Arrowhead General Insurance Agency, Inc.

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Program Details -

Ambulance Insurance Program


Arrowhead's Ambulance program has a new carrier (Old Republic Insurance Group, "A" rated by A.M. Best) and is now managed by our commercial transportation experts, Bellingham Underwriters. The program targets private and for-profit emergency/911 ambulance companies. 


  • Class I, II and III ambulances
  • Ambulettes or passenger vans used for paratransit if less than 20 percent of total operations
  • Service vehicles associated with commercial operations
  • Private passenger type vehicles owned by a Corp, LLC or partnership and used for business purposes
  • For profit ambulance companies
  • First response/paramedics operating as independent contractors and not affiliated with a fire department, hospital or municipal entity

COVERAGE HIGHLIGHTS Commercial Automobile

  • Auto Liability: $1 million CSL
  • UM/UIM: State specific limits
  • Med Pay: $10,000
  • PIP: Statutory
  • Physical Damage: $175,000/vehicle and $5 million total fleet value

General Liability

  • $1 million per occurrence/$3 million annual aggregate
  • Fire Legal: $500,000
  • Med Pay: $10,000
  • Incidental exposure to schools/classrooms including First Aid classes
  • Medical directors when written as part of a service company
  • Incidental lessors risk properties
  • Incidental auto repair services for others
  • GKLL: $1 million max per location
  • Sexual abuse/molestation coverage available

Inland Marine

  • Miscellaneous medical service equipment including defibrillators, radios, EKG's, respirators, monitors, gurneys and stretchers
  • Support equipment including ATV's, bariatric lifts, portable boats and powered cots
  • Tools used for vehicle and equipment maintenance


  • Follow Form Excess
  • Options up to $4 million Auto CSL and $4 million per occurrence/$6 million annual aggregate GL

Medical Malpractice

  • Limits up to $5 million per occurrence/$7 million annual aggregate


  • Building, Busines Personal Property and Business Income coverages.
  • Buildings over 20 years old need current updates to wiring, HVAC, plumbing and roof. 


  • Ambulance Supplemental Application
  • Currently valued loss runs for the prior four years valued within the last 60 days
  • Current vehicle list with year, make, model, VIN, value, passenger capacity and usage
  • Drivers list with dates of hire, specific certifications and/or safety programs completed
  • While MVRs are desired at time of quotation, they are not required. However, current dated MVRs will be needed prior to binding; ultimate pricing is dependent on review of actual MVRs.
  • Inland marine schedules
  • Risks within 90 days prior to effective date accepted
  • View more details on the ambulance program
  • No longer charging for most midterm driver additions**

**Drivers Falling outside of acceptable driver guidelines may still be subject to additional premium charges and/or be subject to restrictions up to and including exclusion.

Michael Powell
Program Manager
Tel: 360.671.0500 x241

Locations Served : Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Louisiana, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming