Overview of the Program From Colonial General
This program is underwritten and placed by Colonial General as a Managing General Agency and Excess & Surplus lines broker. It provides agents with access to multiple markets (carriers vary) and can be positioned as admitted in some states or placed non-admitted where necessary. The program focuses on water trucks used for dust control, construction compaction, landscaping, agricultural use, and municipal or utility support.
Coverage Highlights
- For hire and not for hire operations accepted.
- Liability limits up to $1,000,000 Combined Single Limit (CSL).
- Physical damage coverage available with deductible choices typically ranging from $500 to $5,000.
- Radius options available up to 500 miles to accommodate regional hauling operations.
- Carrier availability varies by account and state — Colonial General uses multiple markets to place risk.
Ideal Accounts and Appetite
This program suits a range of small- to mid-sized commercial accounts that operate water trucks as their primary or supporting equipment. Typical good-fit classes include:
- Construction contractors providing dust control and compaction services.
- Aggregate and paving companies that use water trucks on- and off-site.
- Municipal agencies or public works departments with municipal water truck fleets.
- Landscape and irrigation contractors operating water-bearing trucks for dust suppression or watering jobs.
Accounts with professional, experienced drivers, documented maintenance programs, and moderate annual mileage are preferred. High-risk operations (e.g., longhaul interstate tanker operations, oilfield fluid hauling, or those with significant lapse in maintenance records) may be declined or submitted to specialized markets only.
Underwriting Notes and Submission Guidance
When preparing submissions, include the following to improve placement chances:
- Current driver MVRs and company driving policy.
- Vehicle schedule with year, make, model, GVW, and serial numbers.
- Hours of operation, typical radius, and primary use of the water truck (dust control, hauling potable water, etc.).
- Loss history for the past 3–5 years and details on any significant claims.
- Details on safety, training, and maintenance programs.
If you are unsure about minimum premiums or any program thresholds, note that minimum premium levels and specific terms vary by carrier — please contact Colonial General to confirm current minimums and available deductibles for the target state.
Territories and Availability
Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Because admitted availability is limited in some states, Colonial General will place eligible accounts on admitted paper where markets permit and on E&S in other jurisdictions. Confirm admitted vs. non-admitted options on a per-submission basis.
Why Work With Colonial General on Water Truck Accounts
- Specialized underwriting experience placing water truck and construction support fleets.
- Access to multiple carriers and E&S capacity to find solutions for tougher risks.
- Flexible liability limits and physical damage options that align with contractor needs.
- Responsive submission review and underwriting guidance to help you prepare a complete file.
Example scenarios:
- You have a local paving contractor running two water trucks for dust control and compaction within a 150-mile radius. This program can provide liability up to $1,000,000 CSL and physical damage with a deductible that fits the client’s budget.
- A municipal public works department wants coverage for a small fleet of water trucks used seasonally. Colonial General can evaluate admitted options where available or place appropriate E&S coverage to meet the entity’s needs.
Next Steps for Agents
Prepare a complete submission with vehicle and driver details, loss history, and usage information. Colonial General underwriters will review for appetite and advise on admitted vs. non-admitted options and any available deductible choices. For current carrier availability and exact program terms, submit via your usual broker channel or contact Colonial General directly to discuss the account.
Frequently Asked Questions
What types of water truck operations are a good fit for this program?
Construction contractors, paving and aggregate companies, municipal public works, and landscape contractors using water trucks for dust control, compaction, and similar local hauling tasks are typically a good fit. Longhaul tanker operations or oilfield fluid hauling are generally outside the appetite.
What liability and physical damage options are available?
The program offers liability limits up to $1,000,000 CSL and physical damage with deductible options usually ranging from $500 to $5,000. Exact limits and deductibles depend on the carrier selected for the account.
Are admitted policies available?
Some admitted markets are available depending on the state and account characteristics. Where admitted placement is not available, Colonial General can place coverage through Excess & Surplus lines markets. Confirm admitted availability on each submission.
What information should I include with a submission to speed placement?
Provide vehicle schedules, driver MVRs, a clear description of operations and typical radius, maintenance and safety program details, and loss history for the last 3–5 years. Complete submissions result in faster and more competitive placement.
Need help placing an account? Connect with a market specialist.