NAICS UNIVERSITY · Free research for insurance agents
Mixed Mode Transit Systems
NAICS 485111 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in operating local and suburban ground passenger transit systems using more than one mode of transport over regular routes and on regular schedules within a metropolitan area and its adjacent nonurban areas. TRANSPORTATION AND WAREHOUSING 383
Start the review with auto/transit vehicle liability.
For Mixed Mode Transit Systems, the saved research highlights auto/transit vehicle liability, workers' compensation, public liability. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What modes of transportation are operated — bus only, rail, light rail, or a combination?
- Is the entity publicly owned, a quasi-governmental authority, or privately operated under contract?
- What is the total active fleet size and approximate annual ridership?
- Does the operator self-insure any lines, participate in a risk pool, or carry state fund workers' comp?
- What is the five-year loss history across auto, liability, and workers' comp?
- For Mixed Mode Transit Systems, what should the underwriter know about significant recent mass-casualty or multi-claimant transit incidents?
- For Mixed Mode Transit Systems, what should the underwriter know about aging fleet or deferred infrastructure maintenance programs?
- For Mixed Mode Transit Systems, what should the underwriter know about operations in jurisdictions with unfavorable tort environments or elevated litigation history?
Activities described by this code
Other activities to examine
- Providing support services to transit and ground passenger transportation: 4884 — Support Activities for Road Transportation
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Mixed-mode transit systems operate scheduled, fixed-route ground passenger transportation across a metropolitan area using two or more transport modes — commonly combinations of bus, light rail, subway, commuter rail, or streetcar. Operations typically include vehicle maintenance facilities, fare collection, dispatch centers, passenger stations, and large unionized workforces operating around the clock.
Questions to investigate
- What modes of transportation are operated — bus only, rail, light rail, or a combination?
- Is the entity publicly owned, a quasi-governmental authority, or privately operated under contract?
- What is the total active fleet size and approximate annual ridership?
- Does the operator self-insure any lines, participate in a risk pool, or carry state fund workers' comp?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.