Protective Insurance Company, with licenses in all 50 states and all Canadian provinces, provides coverage for large trucking fleets which retain substantial amounts of self-insurance as well as for medium-sized trucking companies on a first dollar or small deductible basis. Protective also offers a public transportation insurance program which provides comprehensive coverage for charter and tour bus companies, school bus contractors and limousine services. These transportation products are marketed by the Baldwin & Lyons agency organization directly to transportation clients as well as through broker and agent intermediaries.

Protective also accepts reinsurance risks from insurance companies and retrocession risks from reinsurance companies, principally reinsuring against catastrophic events including hurricane, windstorm, earthquake and tornado-hail losses.

Protective Re writes assumed reinsurance business on behalf of Protective Insurance Company. Protective Re’s focus is on the professional liability treaty market. All lines of non-medical and medical professional liability treaty business are entertained through reinsurance intermediaries nationwide, with a primary focus on small to mid-size regional companies and the specialized, niche professional liability underwriting operations of larger companies.

Protective Specialty Insurance Company created its professional liability division in 2009, joining the group’s portfolio of nationwide products by offering miscellaneous professional liability (MPL) coverages. This program is designed to offer errors and omissions liability insurance for insureds that provide professional services to the domestic economy and is distributed exclusively through wholesalers.

Sagamore Insurance Company, which is licensed in 47 states, markets private passenger automobile insurance products to individuals and commercial automobile coverage to small trucking fleets and artisan contractors. All of these products are marketed through independent insurance agents.

B&L Brokerage Services, Inc. offers safety and loss prevention services, claims management and specialized coverages designed to fit the needs of transportation clients. B&L Brokerage consultants have industry experience necessary to fully understand clients’ risk management needs and add value to their insurance programs.

A subsidiary is also maintained in Bermuda to provide captive insurance company benefits to transportation insureds.