Hit pay dirt with Colonial General Insurance Agency, Inc.'s Dirt, Sand and Gravel, Dump, and Mix-in-Transit coverages—specifically designed for the unique exposures in the aggregate and bulk materials hauling industry. Our Sand and Gravel Transport Insurance program offers flexible, competitive solutions for transportation risks that require specialized underwriting and industry knowledge.
Overview of the Program From Colonial General
Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in transportation risks. With access to multiple markets and a focus on hard-to-place accounts, we help independent agents secure comprehensive coverage solutions for sand and gravel haulers, dump truck operators, and similar businesses moving bulk materials. Whether it’s local haulers or operations with wider service radii, we can help you place these accounts efficiently and competitively.
Ideal Accounts and Appetite
This program is tailored for accounts involved in the transport of:
- Sand, gravel, or dirt
- Aggregate materials
- Dump truck operations
- Mix-in-transit loads
We can accommodate local and regional haulers, including those with radius requirements up to 500 miles. You might have a client who hauls construction fill material to job sites or another who operates a small fleet of dump trucks for local infrastructure projects—both are strong candidates for this program.
Coverage Highlights and Advantages
- Auto Liability coverage up to $1 million CSL (or $1.2 million for hazardous haulers in California)
- Excess Auto Liability limits up to $4 million (excess of $1 million)
- Physical Damage coverage with deductible options from $500 to $5,000
- Cargo coverage and buffer layer Auto Liability options
- All accounts require a minimum $1,000 property damage deductible
- State and regulatory filings included as needed
Underwriting Notes and Minimum Premiums
We evaluate each submission individually and work closely with agents to find the right fit for their clients. While minimum premiums may vary by risk and coverage selections, we aim to offer competitive terms through a variety of available markets. Submissions should include complete vehicle schedules, driver information, and loss history to expedite quoting.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted markets are available, depending on risk characteristics and state regulations.
Why Work With Colonial General?
Colonial General brings strong market access, focused transportation underwriting, and responsive service to help you place challenging accounts in the sand and gravel hauling sector. We understand the unique risks your clients face and work to deliver tailored coverage solutions that meet their operational and regulatory requirements. With our regional expertise and market reach, you can confidently place accounts that others might overlook.