What Cable Insurance Company does

Cable Insurance Company is a privately-held, licensed and admitted insurance carrier headquartered in Fort Lauderdale, Florida, founded in 2018. The company specializes in commercial transportation insurance, underwriting a six-product suite covering large fleets, limousine operators, non-emergency medical transportation (NEMT) providers, shuttle bus operators, school van operators, and workers' compensation. Its product portfolio is structured around the regulatory and risk realities of passenger transportation, including state-mandated minimum limits (e.g., Florida's $300,000 commercial auto minimum for NEMT), passenger liability exposure, and the safety profile of fleet drivers.

The company operates a policy administration system with telematics integration capabilities, supporting usage-based premium optimization through fleet-driver behavior monitoring, GPS tracking, and route efficiency data. It has layered cybersecurity coverage for digitally connected fleet operations on top of its core commercial auto offerings, addressing data loss, system recovery, and operational downtime risks for modern fleets.

Cable Insurance distributes through a tri-channel model: a formal agent/broker appointment network with Get Appointed forms live in Florida, Alabama, and Washington DC; direct sales engagement with mid-market fleet operators; and an online Insured Portal for self-service policy management, payments, and driver/vehicle administration. Revenue is generated via recurring insurance premiums on annual or multi-year policy terms, with pricing fully quote-based and customized by fleet size, vehicle type, risk profile, and coverage scope. The company has no disclosed funding events, no parent company, and operates with an 11-50 employee footprint.

Name

Cable Insurance Company

Legal name

Cable Insurance Company

Website

https://cableinsurance.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Cable Insurance Company is a Fort Lauderdale-based, licensed commercial transportation insurer underwriting specialized policies for NEMT, limo, shuttle bus, large fleet, school van, and workers' compensation customers across the Southeastern US.

Ownership category

akta.pro rank

Product category

Commercial Transportation Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Property and Casualty Insurance Carriers (524126), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)

akta.pro primary industry

Non-Owned Auto Liability (Employee/Contractor Use) (TLABANAC)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), General Liability Insurance (FSAJAMAE), Travel Insurance & Assistance (Corporate) (THACANAH)

Keywords

• Commercial transportation insurance
• Fleet insurance coverage
• Limo insurance policies
• NEMT insurance solutions
• Workers compensation coverage

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Premiums: Recurring insurance premiums from commercial transportation policies including commercial auto liability, comprehensive, collision, workers compensation, and passenger liability coverage. Policies generate recurring premium revenue with annual or multi-year contract terms.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Cable Insurance Company is a private, admitted insurance carrier specializing in commercial transportation insurance products. The company writes policies for limousine, non-emergency medical transport (NEMT), shuttle bus, large fleet, school van, and workers compensation exposures, and bundles additional coverages such as cybersecurity protection for its commercial customers.

Product overview

Cable Insurance Company offers a suite of specialized commercial transportation insurance products focused on fleet vehicles and passenger transportation services. The product portfolio includes six core offerings: Large Fleet Insurance (comprehensive coverage for large vehicle fleets), Limo Insurance (specialized coverage for limousine operators), NEMT Insurance (coverage for non-emergency medical transportation providers), Shuttle Bus Insurance (solutions for shuttle bus operators), Workers Comp Insurance (workers' compensation coverage for employees), and School Van Insurance (coverage for school van operators in Florida). The company positions itself as a licensed and admitted insurer offering comprehensive products tailored to the unique needs of commercial transportation businesses, providing coverage that addresses vehicle protection, passenger safety, liability, and employee protection.

Differentiator

Problem solved

Functional benefit

Products and services

• Limo Insurance Commercial auto liability and physical damage coverage designed for limousine and luxury chauffeured transportation operators, providing admitted-carrier policies sized to high-value vehicles and hired-driver exposures.
• NEMT Insurance Commercial auto insurance for non-emergency medical transportation (NEMT) businesses that move passengers with medical needs, providing liability coverage and supporting healthcare-facility certificate-of-insurance requirements.
• Shuttle Bus Insurance Commercial auto insurance tailored to shuttle bus operators running scheduled or contracted routes for hotels, airports, employers, and corporate campuses, with limits sized to passenger counts and contractual obligations.
• Large Fleet Insurance Custom-built commercial auto insurance for larger commercial transportation fleets that exceed small-fleet underwriting thresholds, with capacity to handle multi-vehicle schedules and broader coverage structures.
• School Van Insurance Commercial auto insurance for school van and student transportation operators, addressing child-passenger liability, contractual obligations to schools and districts, and driver screening requirements.
• Workers Compensation Insurance Workers compensation coverage sold to commercial transportation employers, covering drivers, attendants, and other staff in connection with the company's broader commercial transportation insurance portfolio.
• Cybersecurity Insurance Cybersecurity insurance coverage offered to commercial transportation operator customers as an additional protection line beyond commercial auto policies.

Quantifiable outcome

• 20% reduction in missed appointments through AI-powered booking platforms and GPS tracking integration
• +1 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Insurance Carrier PartnerscoreOthersPartnerships with insurance carriers for policy backing and reinsurance support. Carriers provide underwriting capacity and risk retention for commercial transportation insurance products.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• RLI Corp: Specialty P&C insurer with meaningful commercial auto and transportation E&S offerings alongside broader specialty lines. Larger balance sheet and broader geographic footprint create indirect competitive overlap with Cable's niche.
• Foremost Insurance Group: Specialty subsidiary of Zurich/Farmers that writes commercial and specialty vehicle coverage. Targets similar specialty and small-fleet commercial lines as Cable, but at much greater scale and broader product breadth.
• Progressive Commercial: Largest commercial auto writer in the US, offering fleet and commercial vehicle coverage through direct and broker channels. A broader incumbent that Cable's mid-market fleet customers compare against.
• Liberty Mutual Commercial Insurance: Top-tier US commercial P&C carrier with significant commercial auto and fleet products. Competes with Cable for medium and large fleet accounts through national broker relationships.
• Travelers Commercial Insurance: Large national commercial lines carrier with established commercial auto and transportation risk offerings. A broader incumbent whose size and agent relationships set a competitive ceiling on niche specialists like Cable.

Direct peers

• GAINSCO Auto Insurance: Specialty commercial auto carrier (MGA model via Bob Johnson, Dairyland, and Redpoint) writing non-standard and transportation lines. Competes for similar commercial fleet and livery business via broker channels.
• Canal Insurance Company: Specialty commercial auto insurer focused on trucking, public auto, and commercial vehicle fleets. Operates in a closely adjacent transportation-insurance niche and competes with Cable for fleet accounts.
• James River Insurance: Specialty commercial insurance carrier with a strong commercial auto and excess transportation practice. Directly comparable product set and agent/broker distribution model to Cable's approach.
• Lancer Insurance Company: Largest US specialty insurer dedicated to commercial auto, limousine, and livery coverage with similar vertical focus and product architecture to Cable Insurance. Direct competitor for the same taxi/livery and fleet broker channels.
• National Continental Insurance Company: Progressive-owned specialty commercial auto carrier writing commercial vehicle, livery, and small-fleet business. Comparable underwriting footprint and product set to Cable's fleet products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CableInsuranceCompany
• LinkedInlinkedin.com/company/cable-insurance-company

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cable Insurance Company