Whether your client needs coverage for a boat, trailer, or vehicle used in transport, Colonial General Insurance Agency, Inc. offers tailored solutions to meet their needs. Our Trailer Transport Insurance program is designed to address the exposures faced by operators transporting cargo using trailers of all types. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides flexible access to competitive markets and specialty carriers across the Western U.S.
Overview of the Program From Colonial General
Colonial General’s Trailer Transport Insurance program is built for transportation risks involving the hauling of cargo using various types of trailers. Whether your client is an independent operator or manages a small fleet, we offer coverages that address the realities of trailer-based cargo operations. With markets that can accommodate a wide range of cargo types and values, this program is ideal for agents and brokers looking to place business that requires flexibility and custom solutions.
Ideal Accounts and Appetite
This program is well-suited for:
- Independent transport operators using trailers to haul goods
- Small to mid-sized logistics companies with cargo-hauling operations
- Clients needing mono-line cargo coverage with no mileage restrictions
- Accounts requiring excess cargo limits or specialized endorsements
Common classes include general freight haulers, refrigerated goods transporters, and operators handling boat or vehicle trailers. The program can also accommodate unique needs like excess over primary cargo or high-value cargo limits.
Coverage Highlights and Advantages
Key features of our Trailer Transport Insurance program include:
- Unlimited radius on all mono-line cargo policies—ideal for long-haul operators
- Excess coverage available over primary cargo policies for up to $750,000
- Cargo limits available up to $100,000, including refrigerator breakdown coverage
- Loading and unloading covered automatically in the premium
These built-in coverages help mitigate risks associated with cargo damage, spoilage, and operational exposures that can arise during transit or handling.
Underwriting Notes and Minimum Premiums
We offer underwriting flexibility across a broad range of transportation classes. While minimum premiums vary by risk and carrier, our team evaluates accounts based on operational details, loss history, and cargo type. We also have access to markets that write both admitted and non-admitted business, depending on state and risk profile.
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 is a regional specialist with deep experience in transportation-related risks. Our team provides responsive service, access to specialty markets, and underwriting knowledge that helps agents place complex or hard-to-place trailer transport accounts. Whether your client needs basic mono-line cargo or layered excess protection, we can help structure the right solution.
You might have a client who operates a refrigerated trailer hauling perishable goods across state lines. Or perhaps a small business that transports recreational boats using specialized trailers. Colonial General can provide the market access and program flexibility you need to serve these accounts.
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.
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.