Grain or Hay and Feed Hauling Insurance

Grain or Hay and Feed Hauling Insurance Program

Colonial General Insurance Agency, Inc. offers a specialized hauling insurance solution for accounts that transport grain, hay, and animal feed. Built for agents and brokers placing agricultural transport risks—including harder-to-place or non-standard accounts—this program combines flexible coverage options with underwriting expertise and access to admitted and excess & surplus markets.

Ideal Accounts and Appetite

This program targets insureds who haul agricultural commodities—either as for-hire carriers or as part of their farming operations. Typical fits include:

• Independent truckers moving grain or hay across state lines
• Farms or ranches with owned vehicles that deliver feed to customers
• Small to mid-sized commercial haulers serving agricultural clients

You might have a client who operates a fleet delivering hay across the Mountain West, or a local feed distributor that needs cargo protection for refrigerated feed deliveries—this program is designed to place those accounts with appropriate limits and coverages.

Coverage Highlights and Advantages

Colonial General’s Grain or Hay and Feed Hauling Insurance program includes features that address the core exposures of agricultural haulers:

• Unlimited radius on mono-line cargo policies—suitable for long-haul and multi-state operations
• Excess cargo available over primary limits, up to $750,000
• Cargo limits available up to $100,000; refrigeration breakdown is included where applicable
• Refrigeration breakdown coverage offered with a $2,500 deductible for temperature-sensitive feed products

These options help manage loss of commodity value during transit and provide extended protection for regional and long-distance haulers.

Underwriting Notes and Minimum Premiums

Colonial General places business through a mix of admitted and non-admitted markets depending on the state and risk profile. Underwriting focuses on practical, risk-based solutions—reviewing factors such as vehicle condition, driver history, commodity type, trip radius, and packaging or bulk hauling methods. Minimum premiums and specific terms vary by market and state; the underwriting team will work with you to find appropriate placement for unusual or higher-exposure accounts.

Territories and Availability

This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage availability and carrier options may vary by state and by the characteristics of the account.

Why Work With Colonial General

As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings specialized market access and claims-aware underwriting for agricultural transport risks. Their team understands the unique exposures of hauling grain, hay, and feed and can place both standard and hard-to-place accounts with responsive service. Working with Colonial General can be especially valuable when you need flexible cargo limits, refrigeration coverage, or excess cargo capacity.

Need help placing an account? Connect with a market specialist.