We have the products and carriers to insure loggers, lumber haulers, log haulers, chip haulers, and similar timber transportation operations.
Overview — Colonial General Insurance Agency, Inc. Log & Lumber Hauling Program
Colonial General Insurance Agency, Inc. offers a targeted program for log and lumber hauling risks through a mix of admitted and excess & surplus markets. The program is designed for agents who need flexible coverages for timber and lumber transportation accounts, with options for liability, cargo, and physical damage. Carrier availability varies by state and risk characteristics; some admitted markets are available where appropriate.
Ideal Accounts and Appetite
- Owner-operators and small-to-medium trucking firms that transport logs, roundwood, cut lumber, chips, and related forest products.
- Regional haulers operating primarily in the Mountain West and Southwest — particularly AZ, CA, CO, ID, NV, NM, UT, and WY.
- Fleets with routine radius operations (local and regional), including drive-away or short-haul deliveries up to program radius limits.
- Preferred risks: documented maintenance programs, current driver records, and limited recent loss history. Accounts with strong safety and loss-control practices receive priority.
Coverage Highlights and Advantages
- Liability coverage available up to $1,000,000 CSL.
- Cargo coverage available with limits up to $100,000 (refrigeration breakdown included where applicable).
- Physical damage available with deductible options commonly ranging from $500 to $5,000.
- Radius options up to 500 miles — helpful for regional log and lumber movements.
- Access to both admitted and non-admitted markets through Colonial General’s MGA and E&S brokerage relationships, giving flexibility for difficult-to-place risks.
Underwriting Notes and Typical Restrictions
Underwriting focuses on operation type, vehicle condition, driver qualifications, and loss history. Risks that typically fit this program include timber contractors hauling logs or finished lumber on stake beds and chip haulers moving wood byproducts. Accounts that may require enhanced placement or be declined include those with frequent recent losses, poor maintenance records, unauthorized drivers, or exposures outside available cargo limits.
Radius and cargo limits are important constraints — long transcontinental moves beyond the program’s radius or high-value specialized loads that exceed the $100,000 cargo limit may need alternative placement.
Submission Guidance
Faster quoting is possible when submissions include:
- Current vehicle schedule with VINs and model years
- Driver roster and recent MVRs
- Three to five years of loss runs
- Details on freight types, average cargo values, and typical haul radius
- Maintenance program description and any periodic inspection reports
Colonial General underwriters can advise on specific documentation needed depending on the carrier being considered.
Territories and Admitted Status
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Carrier and admitted availability vary by state and by individual account; Colonial General works with both admitted markets (where offered) and E&S markets to place accounts that need broader flexibility.
Why Work with Colonial General Insurance Agency, Inc.?
- Specialized appetite for log and lumber hauling with access to multiple markets.
- MGA and E&S brokerage capabilities allow placement of a broad range of risks, including harder-to-place regional haulers.
- Underwriting familiarity with timber-industry exposures and practical coverage options for cargo, liability, and physical damage.
- Responsive submissions and pragmatic underwriting focused on workable coverage and realistic limits for the timber transportation sector.
Example accounts that fit this program
- A family-owned logging contractor operating three stake-bed log trucks hauling within a 300-mile radius with strong maintenance records and no recent losses.
- A regional lumber distributor running multiple straight trucks and trailers moving finished lumber between sawmills and retailers within the program states, seeking combined liability, cargo, and physical damage limits.
Frequently Asked Questions
What types of accounts are a good fit for Colonial General’s Log and Lumber Hauling program?
Owner-operators and small-to-mid-size fleets that transport logs, lumber, chips, or related forest products, especially those operating regionally in AZ, CA, CO, ID, NV, NM, UT, and WY with documented maintenance and clean driver records.
What cargo and liability limits are available?
The program offers cargo limits up to $100,000 (refrigeration breakdown included where applicable) and liability up to $1,000,000 CSL. Higher limits may require referral to alternate markets.
Is coverage admitted or non-admitted?
Carrier availability varies. Colonial General places business in both admitted and E&S markets depending on the state, the carrier appetite, and the individual account characteristics.
What documentation speeds up underwriting and quoting?
Provide a current vehicle schedule, driver roster and MVRs, three to five years of loss runs, descriptions of cargo and typical haul radii, and maintenance program details to obtain the quickest, most accurate quotes.
Need help placing an account? Connect with a market specialist.