Ambulance Insurance Program - Bellingham

Offered by Bellingham Underwriters, a division of Arrowhead General Insurance Agency, Inc.

Ambulettes Ambulance Package Admitted Emergency Transport Multi-line Non Admitted


This program's target is directed towards for-profit emergency and non-emergency medical ambulance companies * operating Type I, Type II, or Type III with some flexibility towards Ambulettes or passenger/wheelchair vans used for paratransit if less than 20% of total operations. Our unique product creates a more stable, long term market that is more sensitive to real variance in risk which enables us to offer competitive pricing. We have the ability to offer a full package in a single product.

*Accounts operating exclusively as non-emergency paratransit/wheelchair vans are not eligible.


All except AK, FL, HI, KY, MA, MI, NY and VA


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

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 $5 million occurrence/annual aggregate over Auto, General Liability, Professional Liability and Employer's Liability (No coverage over Abusive Acts Liability)
Medical Malpractice

  • Limits up to $1 million per occurrence/$3 million annual aggregate


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

Cyber Liability and Data Breach Response

  • Information Security & Privacy Liability - aggregate limits up to $1MM 
  • Privacy Breach Response Services - limits up to $500k


  • We work with top rated insurance companies with A XV ratings or higher by A.M Best Company

Submission Requirements


    $5M Maximum Premium

    $1M Minimum Premium

    Has Pen

    Appointment Required

    Carrier Information



    Rating A XV

    Rating By A.M. Best Company

    Listing Contact

    Par Williams Senior Underwriter

    Offered By

    Bellingham Underwriters, a division of Arrowhead General Insurance Agency, Inc.

    4 listings in 43 states

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    Availability 42 states

    Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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