Ideal Accounts and Appetite
This program targets small to mid-sized local and intermediate trucking operations, both for-hire and not-for-hire. Typical classes include general freight, refrigerated goods, and light construction materials. Good fits are short-haul delivery companies, regional freight carriers, and logistics providers focused on local supply chains.
We can write single-unit operators and small fleets. Preferred accounts have clean loss histories, strong driver hiring and safety programs, and operations confined to the approved radius. This program is not intended for long-haul interstate trucking, hazardous materials carriers, or heavy specialized equipment transport.
Example scenarios agents often place here:
- A regional refrigerated produce hauler operating entirely within a 300–400 mile radius with routine refrigerated-breakdown exposures.
- A short-haul delivery company moving general freight and light construction materials with one to five power units and documented safety policies.
Coverage Highlights and Advantages
- Liability limits up to $1,000,000 Combined Single Limit (CSL).
- Physical damage with deductible options from $500 to $5,000.
- Motor truck cargo coverage included, with limits up to $100,000.
- Refrigerator breakdown coverage built into cargo protection where applicable.
- Radius of operation covered up to 500 miles.
- Package policy options available to consolidate liability, physical damage and cargo coverages for streamlined placement.
These features make the program well suited to cover the most common risks for local haulers — liability exposures, vehicle damage, and cargo loss or spoilage — while allowing flexibility on deductibles and cargo limits to meet client needs.
Underwriting Notes and Minimum Premiums
Underwriting reviews focus on driving records, vehicle types, cargo hauled, radius of operation, and documented safety controls. Deductible flexibility and adjustable cargo limits help you balance price and protection. Submit complete loss runs and driver abstracts to speed decisioning.
Please contact Colonial General for full underwriting guidelines, minimum premium thresholds, and specific documentation requirements. Our underwriting team aims for timely responses to help you place or bind accounts quickly.
Territories and Availability
This Local Trucking Insurance program is available in: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets are available in some states; Colonial General also places business with non-admitted carriers when required to meet an account’s needs.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General specializes in transportation risks and maintains relationships with multiple carriers to give you options for localized trucking operations. Our underwriting expertise in regional trucking exposures and responsive service helps you match your clients with competitive, tailored solutions.
Bring Colonial General accounts that need: flexible cargo limits (including refrigerated breakdown), competitive liability and physical damage terms, or placement in admitted and non-admitted markets where appropriate. We can support new ventures and established operations seeking to expand or adjust coverage.
Frequently Asked Questions
What types of accounts are a good fit for this Local Trucking Insurance program?
Ideal accounts are for-hire or not-for-hire local and regional trucking companies operating within a 500-mile radius — for example, general freight haulers, refrigerated carriers, and short-haul delivery operators.
What is the maximum liability limit offered under this program?
Liability coverage is available up to $1,000,000 Combined Single Limit (CSL).
Is refrigerator breakdown coverage included in cargo insurance?
Yes. Cargo coverage can include refrigerator breakdown protection where applicable, and cargo limits are available up to $100,000.
Are both single-unit operators and small fleets eligible?
Yes. The program accommodates single units and small fleets depending on underwriting criteria such as safety protocols and loss history.
In which states is this program available?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY, with admitted options in some states and non-admitted placement when necessary.
Need help placing an account? Connect with a market specialist.