If your clients transport automobiles, trailers, or boats, Colonial General Insurance Agency, Inc. offers an Automobile Transport Insurance program built for those exposures. As a Managing General Agency and E&S broker serving the Western U.S., Colonial General provides agents access to flexible, competitive solutions and specialty markets for hard-to-place transport risks.
Ideal Accounts and Appetite
This program fits independent auto haulers, vehicle transport companies, and businesses that move trailers, boats, or specialty vehicles. It accommodates regional operators as well as accounts that run nationwide routes.
Preferred accounts have documented safety programs, experienced operators, and clean or explainable loss histories. The program accepts mono-line cargo placements and excess-over-primary cargo placements—useful when a client needs coverage beyond standard primary limits.
Coverage Highlights and Advantages
- Unlimited radius available on mono-line cargo policies
- Excess cargo coverage up to $750,000 over primary cargo limits
- Cargo limits to $100,000; refrigerator breakdown included where applicable
- Loading and unloading coverage included in the base premium
These features address transit damage, theft, refrigeration failure (when relevant), and loading/unloading exposures common to vehicle and specialty-vehicle transport.
Underwriting Notes
Colonial General places business with a variety of markets and can offer both admitted and non-admitted options depending on the risk and state. Submissions that include detailed operational information — routes, vehicle types, fleet size, driver qualifications, and a recent loss run — get faster turnaround and more competitive terms. Minimum premiums and specific attachments vary by carrier and limits.
Territories and Availability
This Automobile Transport Insurance program is available to appointed agents in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage options and admitted/non-admitted availability will depend on the state and the selected market.
Why Work With Colonial General?
With focused experience in the Western U.S., Colonial General understands the operational and regulatory nuances of transportation risks in this region. As an MGA and E&S broker, they provide access to specialty markets and underwriting expertise that help agents place complex or borderline accounts.
Colonial General emphasizes responsive service, flexible solutions, and practical underwriting for transportation risks. That makes them a strong option when you need excess capacity, specialized cargo wording, or coverage for mixed fleets.
Example scenarios:
- You have a client who transports high-end vehicles across state lines and needs higher cargo limits plus excess protection — this program can provide excess cargo layering up to $750,000 for qualified risks.
- You represent a small fleet that hauls trailers and boats regionally and needs a mono-line cargo policy with loading/unloading included — the program’s mono-line options and unlimited radius can be a good fit.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Independent auto haulers, trailer transporters, and businesses that move boats or specialty vehicles. Operators with documented safety programs and experience are preferred.
Is excess cargo coverage available?
Yes. Colonial General offers excess cargo coverage up to $750,000 over primary cargo limits for qualified risks.
Are loading and unloading exposures covered?
Yes. Loading and unloading coverage is included in the base premium for this program.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do I need to submit full operational details for a quote?
Yes. Complete submissions with routes, vehicle types, fleet information, and recent loss history help underwriters assess risk and provide faster, more competitive terms.
Need help placing an account? Connect with a market specialist.