A transportation insurance practice ready for the road you're about to drive.
Team Haugen has spent years placing commercial auto, fleet, and specialty transportation programs across the Pacific Northwest and beyond. For an operator launching into the TNC and NEMT space, that experience is the difference between a program that holds together at scale and one that comes apart at the first claim.
Commercial auto and fleet are the core of the practice, not lines we handle occasionally. We know which carriers will write a launch TNC, which won't, and how to position the submission so the right ones say yes.
NEMT carries underwriting requirements that general auto carriers don't always understand — passenger handling, ADA compliance, abuse and molestation, occupational accident, and the seam between auto and GL. We place programs that account for those realities up front.
A company that hasn't run a single mile is structurally different from an operating account — no loss history, no MVR data, no track record. Team Haugen has placed launch-stage operators before and knows how to position the submission for carriers that write new ventures.
For a TNC/NEMT operator, the lines overlap at the seams — auto, GL, workers comp, professional, cyber, umbrella. Team Haugen builds the program so the seams hold under the operational reality of the work.
Below is the shape of an insurance program designed for a California TNC/NEMT operator scaling from 25 to 100 drivers in year one, operating four service tiers across Southern California, dispatching through a proprietary app, and serving high-care passengers in non-emergency medical transport. Specific carriers, limits, and terms get worked out together — this is the architecture.
The dominant exposure for any TNC operator. For Ride Companion specifically, the carrier conversation has to account for app-based pre-arranged dispatch (no street hails), independent contractor drivers, four service tiers including WAV and NEMT ambulance, and a daytime-only operating window. Programs that misunderstand the TNC structure get priced wrong or excluded at renewal. Team Haugen places this line with carriers that write the segment specifically.
Door-to-door companion-assisted service means drivers physically assist passengers from inside the home to the vehicle. That activity sits at the seam between auto liability and general liability and requires specific coverage language. Passenger demographic — seniors and disabled riders — also makes abuse and molestation coverage a non-negotiable line item, not an optional rider. Team Haugen places GL programs that close those seams.
California's evolving classification rules for app-based contractors create real uncertainty about which drivers need workers comp coverage versus occupational accident coverage versus both. Team Haugen structures the program so Ride Companion is protected regardless of which way classification disputes go, and so the cost structure scales cleanly from 25 drivers to 100. Emily Lubman, Team Haugen's workers comp director, leads this part of the conversation.
The Ride Companion platform handles passenger PII, medical appointment data, and real-time location data for a vulnerable demographic. A breach is operationally and reputationally catastrophic for a care-services brand. The app itself is a technology product that can have errors which cause harm — wrong pickup, missed dispatch, scheduling failure for a dialysis appointment. Cyber and Tech E&O are not optional for a digital-first care operator; they're structural.
Ride Companion isn't building a generic ride-share platform. The brand is built around safety, dignity, and human connection — for a passenger demographic that other operators treat as inconvenient. That deliberateness deserves a broker who matches it.
TNC and NEMT aren't general commercial auto. They have their own carriers, their own underwriting questions, their own claim patterns, and their own regulatory pressure points. Team Haugen places this segment specifically.
Pre-launch accounts need a broker who can move at the speed of the CPUC permit timeline, the funding timeline, and the driver onboarding timeline. Team Haugen has placed launch programs and knows how to structure coverage that binds when you need it to bind.
A launch operator's program changes constantly through year one as drivers come online, vehicles are added, and the operating footprint expands. Team Haugen builds the relationship for the first year of operations, not just the first quote.
Team Haugen isn't a single producer. It's a practice at HUB International with named accountability across producers, advisors, account managers, claims, and workers compensation. When something happens at 6:30am on a Tuesday, somebody at Team Haugen owns it.
The Team Haugen team is structured the way a real practice has to be: senior producers leading the relationship, specialty advisors covering specific lines, account managers carrying the day-to-day work, and claims and workers compensation expertise on the bench when it's needed. For Ride Companion's account, three Team Haugen principals lead — and twelve more team members support the work.
Logan leads Team Haugen at HUB International and serves as the senior producer on the Ride Companion account. His commercial lines work spans transportation, fleet, contractor, and specialty risk programs across the Pacific Northwest. Logan owns the relationship from the first conversation through the first year of operations.
Spencer works alongside Logan on commercial lines accounts and is a primary point of contact for new and growing operators. His work focuses on the operational details of placing programs that match how a business actually runs — not how an underwriter assumes it runs.
Hayden rounds out the producer team on commercial lines and brings a focus on the technical underwriting questions that complex accounts generate. For Ride Companion, that includes the TNC, NEMT, and IC classification questions that don't have one-size-fits-all answers.
Roster reflects Team Haugen's full commercial lines bench at HUB International.
Ride Companion launches operations on June 1, 2026, with 25 drivers across Los Angeles and San Bernardino County, scaling to 100 drivers by the end of year one. Team Haugen is ready to place the insurance program that protects that launch and grows with it through the first year of operations and beyond.
The next step is a working conversation. We'd like to walk through Ride Companion's specific operational structure, talk through the four service tiers and where each one carries different exposure, and start scoping the program that gets bound in time for June 1.