Introducing Arrowhead’s ambulance program, managed by our commercial transportation experts at Bellingham Underwriters. We specialize in private and for-profit emergency and non-emergency ambulance companies, providing a full package of the coverages you need to write this growing class of business.

Eligible Classes

While all classes of transportation business are eligible for our program, BUI has the greatest success with a particular category of risk.

An Ideal Risk for our program:
  • 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:
  • Auto Liability: $1 million CSL
  • Physical Damage: $175,000/vehicle and $5 million fleet
  • General Liability: $1 million occurrence/$3 million aggregates
  • Inland Marine
  • Medical Malpractice: limits to $5 million occurrence/$7 million annual aggregates
  • Abusive conduct coverage
  • Property
  • Excess options available (view more)
  • EPLI coverage available

Loss Control
  • With over 30 years’ experience in risk management we are proud to feature the loss control services of Professional Safety Consulting and EJB Risk Management, LLC.


The Ambulance program may be written only if all garaging locations are within the following states:

More Information

If you are not yet appointed with Bellingham Underwriters and want to gain access to all we have to offer, take a look at our About Us page for details on what we look for in a prospective producer. If this sounds like you, please complete our brief agency application to get started. After you log in, you’ll be able to continue the appointment process. At BUI, it’s important to us to develop a solid relationship with our partner producers so we look forward to learning more about you!

Ambulance Submission Requirements


  • Current valued loss runs for prior 4 years valued within 60 days of submission
  • Current vehicle lists with year, make, VIN, value, passenger capacity and usage
  • Drivers list to include date of hire and certifications and/or safety programs completed (where applicable)
  • Current MVRs for all vehicle operators
  • Inland marine schedule