Partnerships that work

As a benefit of being a client of Community Transportation Association of Virginia, you can receive customized insurance quotes from Bearing Insurance, an industry advisor in property, liability, commercial auto, workers’ compensation, employee benefits, and all commercial insurance coverages. All services are administered by Bearing Insurance Group, LLC, an independent insurance agency with over 250 employees.

CTAV Insurance Program

At Bearing Insurance, our CTAV Insurance Program supports transportation organizations in staying on the right track. Beginning over 30 years ago exclusively for CTAV members, this program addresses key gaps left by traditional insurance policies. The CTAV Insurance Program offers a wide range of coverages, including business auto, general liability, professional liability, business property, crime, fiduciary liability, and more. Members also gain access to benefits like loss control services, safety training, dedicated claim support, the Safety First program, the National Safety News newsletter, and the Customer Care website. Coverage is written on a guaranteed cost basis with no pooling of assets or sharing of losses.

Not a CTAV member? Join today to access coverage at lower prices with exclusive group rates.

Coverages Available

Business Auto (includes trucks, busses, etc.)
- Liability symbol 1 – any automobile
- Lease gap coverage
- $35,000 hired (rented) car physical damage
- $500 physical damage for employee or volunteer vehicles
General Liability
- Volunteer and temporary workers included
- $20,000 medical payments (includes board members)
Professional Liability
- Occurrence form
- $1,000,000/$3,000,000 limits
- Employees, volunteers, and students in training included
Business Property
- Business income – actual loss sustained
- Systems breakdown coverage
- $50,000 computers and media
- $25,000 employee dishonesty
- $25,000 food spoilage
- $10,000 money and securities
Crime
Fiduciary Liability
Optional Insurance Coverages
- Sexual misconduct
- Cyber liability
- Directors and officers liability
- Key employee replacement
- Fidelity bonds
Additional Program Benefits
- Loss control, risk management, and safety training
- 24-hour claims service
- Safety First program and National Safety News newsletter
- Customer care website

Your Trusted Partner

Bearing Insurance is the trusted insurance partner of the Community Transportation Association of Virginia (CTAV). Our comprehensive insurance program offers coverage tailored to your business operations, including many protections excluded from traditional insurance policies.

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