Colonial General Insurance Agency, Inc. offers a specialized Courier Services Insurance program designed for individuals and businesses involved in the delivery of goods for a fee. Whether your client is an independent contractor, a small courier fleet operator, or a delivery driver for newspapers, legal documents, or medical samples, this program provides tailored coverage to protect their vehicles, cargo, and liability exposures.
Ideal Accounts and Appetite
Colonial General targets a wide range of courier-related operations, including:
- Independent couriers delivering newspapers, magazines, or bundled mail to homes or drop-off points
- Drivers transporting legal documents to and from courts or law offices
- Medical or healthcare couriers handling specimen or sample deliveries
- Small business fleets offering last-mile delivery services
This program is ideal for accounts that operate within defined radius limits and need reliable coverage for cargo and vehicle exposures. Delivery services that require refrigerated cargo coverage are also eligible, thanks to built-in protection for refrigeration breakdowns.
Coverage Highlights and Advantages
Colonial General’s Courier Services Insurance includes flexible options to meet the unique needs of delivery-based businesses:
- Cargo Coverage: Covers home-delivered mail, newspapers, magazines, bundled mail to drop-off sites, legal documents, and medical or healthcare samples.
- Liability Coverage: Limits available up to $1,000,000 Combined Single Limit (CSL).
- Physical Damage Coverage: Multiple deductible options ranging from $500 to $5,000.
- Radius Options: Available up to 500 miles, offering flexibility for regional operations.
- Cargo Limits: Up to $100,000, with refrigeration breakdown coverage included.
This program is structured to address the most common exposures faced by businesses that transport valuable or sensitive items.
Underwriting Notes and Minimum Premiums
Colonial General offers access to a variety of markets to help you find the right fit for your courier clients. Underwriting focuses on the type of goods transported, radius of operation, vehicle type, and driving history. While minimum premium details are not specified, flexibility in deductibles and limits allows for tailored pricing solutions.
Territories and Availability
This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options are available depending on the specific risk and market availability.
Why Work With Colonial General Insurance Agency, Inc.
As a Managing General Agency and E&S broker, Colonial General brings deep expertise in transportation and courier risks. Their broad market access and flexible underwriting make it easier for agents to secure the right coverage for hard-to-place or niche delivery operations. Whether you're placing a single-driver courier or a small fleet, Colonial General provides the support and products you need to serve your clients quickly and effectively.
Frequently Asked Questions
What types of courier businesses are eligible for this program?
Eligible businesses include independent couriers, small fleets, and delivery drivers transporting newspapers, legal documents, bundled mail, or medical samples.
Is refrigerated cargo coverage included?
Yes, refrigeration breakdown protection is included for eligible cargo limits up to $100,000.
What is the maximum delivery radius allowed?
Coverage is available for courier operations with delivery radiuses up to 500 miles.
In which states is this program available?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I get both liability and physical damage coverage?
Yes, the program offers liability limits up to $1,000,000 CSL and various physical damage deductible options from $500 to $5,000.
Need help placing an account? Connect with a market specialist.