Whether your client needs coverage for a boat, trailer, or vehicle used in transport, Colonial General Insurance Agency, Inc. offers tailored Trailer Transport Insurance solutions. This program addresses the exposures faced by operators hauling cargo with trailers of all types. As a regional Managing General Agency and Excess & Surplus lines broker, Colonial General provides flexible access to specialty carriers and competitive markets across the Western U.S.
Overview of the Program From Colonial General
Colonial General’s Trailer Transport Insurance program is focused on transportation risks that arise when cargo is moved using trailers. We write business for independent operators and small fleets and can structure mono-line cargo placements or layered solutions with excess cargo protection. Our market relationships allow us to accommodate a range of cargo types and values while providing underwriting flexibility agents need to place non-standard or higher-value exposures.
Ideal Accounts and Appetite
This program is a strong fit for agents submitting:
- Independent transport operators using trailers to haul general freight
- Small to mid-sized logistics companies with dedicated trailer operations
- Refrigerated haulers and perishable-goods transports requiring refrigerator breakdown coverage
- Operators of boat and vehicle trailers or specialty-hauling operations
- Accounts needing mono-line cargo with no mileage restrictions or excess cargo limits
Colonial General can also consider unique or higher-value cargo needs, subject to underwriting review. Accounts that are outside typical trucking program classes but have clear risk controls are often placeable through this offering.
Coverage Highlights and Advantages
Key features of the Trailer Transport Insurance program include:
- Unlimited radius on all mono-line cargo policies — suitable for long-haul operators
- Excess cargo coverage available over primary cargo policies for up to $750,000
- Cargo limits up to $100,000, with refrigerator breakdown coverage where needed
- Loading and unloading exposures covered automatically in the premium
These features help manage common transit exposures such as damage in transit, spoilage for refrigerated loads, and gaps between primary and higher-limit needs.
Underwriting Notes and Minimum Premiums
Underwriting is handled with flexibility and attention to operational detail. Colonial General evaluates accounts on cargo type, routing, handling practices, equipment condition, and loss history. We have access to both admitted and non-admitted markets depending on the state and the risk profile. Minimum premiums vary by market and carrier; submit full operational details for an accurate indication.
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)
Why Work With Colonial General?
Colonial General combines regional transportation expertise with market access suited to hard-to-place trailer transport risks. Our underwriters are responsive and experienced in structuring both basic mono-line cargo policies and layered excess placements. We work with specialty carriers that can address refrigerated loads, high-value shipments, and accounts that need broad geographic radius without mileage limits.
Example placements you might bring to this program include a small carrier hauling refrigerated produce across multiple Western states that needs refrigerator breakdown coverage and higher cargo limits, or a recreational-boat transport operator who requires mono-line cargo protection for trailers and occasional high-value loads. Provide clear operational details and loss history to help us match the right market.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include independent cargo haulers, small transport fleets, and trailer operators moving general, refrigerated, or specialty goods.
Is there a mileage restriction on cargo coverage?
No. All mono-line cargo policies offer unlimited radius, making this program suitable for long-haul operations.
Can this program cover refrigerated goods?
Yes. Cargo limits up to $100,000 are available with refrigerator breakdown coverage included where applicable.
Are excess cargo limits available?
Yes. Colonial General can access markets that write excess over primary cargo for up to $750,000.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.