Overview — Colonial General Insurance Agency: Garbage Hauling Insurance
Colonial General Insurance Agency, Inc. offers a targeted Garbage Haulers and Waste Disposal program designed for independent agents and brokers placing commercial waste-hauling risks. As an experienced managing general agency and excess & surplus lines broker, Colonial General works with a variety of admitted and non-admitted markets to provide flexible liability, physical damage, cargo and excess auto options for roll-off, residential/ commercial trash, recycling and related waste operations.
Ideal Accounts and Appetite
This program is a good fit for:
- Local and regional refuse haulers (residential and commercial routes)
- Roll-off/dumpster operators, transfer station pickups and container services
- Recycling haulers and mixed solid waste carriers
- Hazardous materials haulers in eligible classes (note: specific limits in CA)
Less appropriate accounts typically include long-haul interstate fleet operations with specialized high-hazard exposures or heavily deteriorated safety programs. Each submission is reviewed by underwriting for class, fleet size, safety record and loss history.
Coverage Highlights and Advantages
Program features give you multiple ways to structure coverage for the unique exposures of waste haulers:
- Auto Liability: Primary limits available up to $1,000,000 (in California hazardous materials haulers may qualify for $1,200,000 primary).
- Buffer/Layered Auto Liability: Options to add buffer layers to achieve combined limits.
- Physical Damage: Comprehensive and collision available with deductible choices typically ranging from $500 to $5,000.
- Cargo: Limits up to $100,000; coverage can include refrigerated cargo breakdown where applicable.
- Excess Auto: Capacity to place higher limits via excess layers.
- Radius options: Flexible territory/radius schedules up to 500 miles to match operational patterns.
- Regulatory and state filings: Assistance with filings where required by state regulators.
Underwriting Notes
Underwriting focuses on fleet safety, driver hiring and monitoring practices, vehicle maintenance, loss history and the types of materials transported. Common items under review include:
- CSA scores and MVRs for drivers
- Recent loss runs and frequency/severity trends
- Equipment age and maintenance programs
- Special operations (e.g., hazardous waste) that may require enhanced terms
Carriers and admitted status vary by state and account profile; Colonial General places business in both admitted and surplus markets as appropriate.
Territories and Availability
The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Availability and admitted vs. non-admitted placement will depend on the carrier, the class of business and the insured’s operations.
Why Work With Colonial General on Garbage Hauling Business
Colonial General combines program underwriting expertise and market access to help you place challenging waste-hauling risks. The MGA’s flexibility on limits, physical damage deductible options and cargo protection — plus support for state filings — makes this program a practical option when standard markets are constrained. Carriers vary by account; underwriting is geared to evaluate and structure coverage for common hauler exposures rather than offer one-size-fits-all terms.
Example placements
- You may have a local roll-off operator with a mixed residential/commercial route and a modest fleet who needs $1,000,000 auto liability, physical damage with a $1,000 deductible and cargo limits — this program can be structured to fit that profile.
- A small municipal contractor running within a 200-mile radius with clean loss runs and maintained equipment could qualify for primary liability and excess options through Colonial General’s carrier panel.