Overview of the Program From Colonial General
The Taxi Service Insurance program is built for independent agents and brokers placing taxi fleets, single owner-operators, and non-emergency transport services. Colonial General combines market access with transportation underwriting expertise to help you meet state requirements and your clients’ operational needs.
Ideal Accounts and Appetite
This program is a good fit for:
- Taxi fleets with multiple vehicles
- Single-vehicle owner-operators
- Urban, suburban, and rural taxi operations
- Operators working within a 500-mile radius
We consider both standard taxi operations and accounts with unique exposures. Typical fits include mid-sized metro fleets with modest loss histories and independent drivers with clean records. Examples you might submit: a 10-vehicle city fleet seeking primary liability and physical damage, or a single owner-operator running local routes who needs state-compliant limits and a flexible deductible.
Coverage Highlights and Advantages
Colonial General offers adaptable coverages to match state rules and client needs:
- Liability coverage: Up to $1,000,000 CSL
- Physical damage: Available with deductibles from $500 to $5,000
- Radius of operation: Options up to 500 miles
- State minimums: Coverage available to meet required state limits
- Excess limits: Submissions above state minimums can be reviewed for placement
Underwriting Notes and Minimum Premiums
Underwriting focuses on vehicle type, radius of operation, driver experience, and loss history. Minimum premiums vary by market and the risk profile; Colonial General works with agents to identify the most appropriate markets and competitive options. Accounts needing limits above state minimums will receive individualized review and placement efforts.
Territories and Availability
This program is available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Some markets are admitted while others may be non-admitted depending on state rules and the specific risk. Contact Colonial General for guidance on placement options and state eligibility.
Why Work With Colonial General?
Colonial General brings deep transportation underwriting knowledge and strong carrier relationships. As an MGA and E&S broker, they offer quick turnaround, flexible terms, and multiple market access — useful when standard carriers decline or when an account needs tailored limits or deductibles. Their team is experienced placing both small owner-operators and larger taxi fleets.
If you need placement assistance or have a challenging taxi risk, Colonial General can evaluate alternatives across admitted and non-admitted markets and advise on the most viable submission strategy.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for taxi fleets, independent drivers, and transport services operating within a 500-mile radius in the available states.
Can I submit a risk that requires coverage above the state minimum limits?
Yes. Submissions that exceed state minimums will be reviewed on a case-by-case basis and may be placed with appropriate markets.
What deductible options are available for physical damage coverage?
Deductible options typically range from $500 to $5,000, depending on the specific risk and market availability.
Is this program available in my state?
The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability can vary by market and risk characteristics.
What is the process for submitting a risk?
Provide the insured's details—vehicle count, radius of operation, driver experience, and loss history—and Colonial General will guide you through the submission and quoting process.
Need help placing an account? Connect with a market specialist.