Overview — Colonial General Insurance Agency, Inc. Airport Shuttle Insurance
Colonial General Insurance Agency, Inc. offers a targeted airport shuttle program designed for agents who need a flexible market for passenger transport and light cargo operations. This program combines auto liability, physical damage, cargo, and excess auto capacity to cover common exposures faced by shuttle and transfer operators. As a managing general agency and excess & surplus lines broker, Colonial General places business through admitted and non-admitted markets depending on state availability and risk characteristics.
Ideal Accounts and Appetite
- Small to medium shuttle fleets (hotel, airport transfer, corporate shuttles, connector services).
- Operators carrying passengers and their baggage or light cargo, including food/catering runs tied to terminal operations.
- For-hire shuttle services with scheduled routes or on-demand airport transfers.
- Accounts with good driving records, documented maintenance programs, and clear operating radii.
Accounts that typically do not fit include high-hazard operations (e.g., open cargo hauling, night-time unescorted intercity long-haul with excessive miles), excessively large fleets without loss control, or operations with poor loss history.
Coverage Highlights and Advantages
- Liability: limits available up to $1,000,000 CSL; additional limits available up to state or federal requirements with per vehicle limits provided up to $1.5 million.
- Physical damage: full coverage offered with deductible options from $500 to $5,000 to fit different retention preferences.
- Cargo: limits up to $100,000 with refrigerator breakdown coverage included where applicable.
- Radius options: flexible territory limits up to 500 miles to support regional operations.
- Excess auto: capacity available to layer over primary limits for accounts needing higher limits.
- Placement flexibility: Colonial General works with a variety of markets and carriers; appetite and admitted availability vary by state and risk profile.
Underwriting Notes and Typical Requirements
Underwriting focuses on operations, loss history, driver qualification, vehicle condition, and radius. Typical information required at submission includes a driver roster and MVRs, up to three years of loss runs, a current fleet schedule with seating capacities and vehicle values, and a description of routes and any cargo types carried.
Deductible selection, radius, and passenger exposure will materially affect pricing and placement. Because admitted markets are available in some states but not all, Colonial General frequently accesses both admitted and E&S capacity—ask the underwriter about admitted availability for the specific state and account.
Territories and Availability
Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage and admitted options vary by state; Colonial General places accounts in admitted markets where possible and uses excess & surplus capacity for higher-risk or out-of-territory placements.
Why Work With Colonial General on Airport Shuttle Business
- Specialized program tailored to shuttle and passenger transport exposures.
- Flexible limits and deductible choices to match a range of fleet sizes and risk tolerances.
- Access to multiple carriers and market appetite — underwriter will evaluate admitted vs. non-admitted placement based on the account.
- Practical underwriting approach focused on operations and loss control, helping improve placement outcomes for well-managed accounts.
Agent Scenarios
Example 1: You have a boutique hotel with a three-vehicle shuttle that transports guests to the local airport. The fleet has clean driving records and routine maintenance—this program can provide primary liability, physical damage, and cargo protection with a competitive deductible.
Example 2: You represent a regional airport transfer operator that also delivers catering items to terminals. Cargo coverage with refrigerator breakdown included and a 500-mile radius option make this program a practical fit for combined passenger/cargo exposures.