Colonial General Insurance Agency, Inc. offers a Truckers Insurance program tailored for trucking operations and express delivery companies. Whether your client runs a single truck or a multi-vehicle fleet, with or without warehouse exposure, Colonial General can place coverage as a monoline or as part of a package to meet transportation and property needs.
Ideal Accounts and Appetite
This program is best for independent owner-operators, small to mid-sized fleet owners, and regional express delivery businesses. Colonial General will consider accounts with associated warehousing, refrigerated transport, and mixed cargo types. The program is especially useful for risks that do not cleanly fit standard market appetites or that need specialized liability, property, or warehouse legal liability terms.
You might have a client who operates a regional express shipping company with a small warehouse in Utah, or an owner of refrigerated trucks servicing the Southwest — both are strong candidates for placement through this program.
Coverage Highlights and Advantages
Commercial General Liability Coverage available for truckers insurance:
• Primary limits up to $3,000,000 per occurrence and aggregate
• $5,000 Medical Payments Coverage — included
• Additional Interests — $100 each
• Excess or Umbrella limits available up to $25,000,000
Crime Coverage available:
• Inside the Premises — Theft of Money and Securities
• Inside the Premises — Robbery or Safe Burglary of Other Property
• Outside the Premises
Property Coverage available:
• Accounts Receivable
• Basic, Broad, or Special Forms
• Building and Contents
• Business Income and Equipment Breakdown
• Computer Equipment and Food Spoilage
• Outside Signs
• Replacement Cost or ACV valuation
• Valuable Papers
• Warehouse Legal Liability — up to $50,000
Underwriting Notes
Colonial General places Truckers Insurance on admitted or non-admitted paper depending on the carrier appetite and state. The MGA works with multiple carriers to provide flexible underwriting and placement options. Minimum premiums and specific terms vary by market and risk characteristics; discuss details with a Colonial General market specialist when submitting.
Territories and Availability
This Truckers Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General’s regional underwriting expertise in these Western states helps when placing accounts with localized exposures or state-specific requirements.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General has targeted experience placing transportation and warehouse-related risks. Agents benefit from: access to multiple carriers, underwriting flexibility for non-standard accounts, and program terms that can include both liability and property solutions. If you have transportation business that’s hard to place in the admitted market, Colonial General is positioned to help find capacity and structure coverage.
Frequently Asked Questions
What types of accounts are a good fit for this Truckers Insurance program?
This program is ideal for small to mid-sized trucking companies, independent owner-operators, express delivery firms, and accounts that include warehousing or refrigerated transport exposures.
Can I submit risks with warehousing and refrigeration exposures?
Yes. Colonial General will consider accounts with on-site warehousing and refrigerated transport, subject to details of operations, values, and loss-control measures.
Is this program available on an admitted basis?
Some markets are available on an admitted basis while others may be placed non-admitted. Availability depends on the state, carrier, and risk profile.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What limits are available under the liability coverage?
Primary general liability limits are available up to $3,000,000 per occurrence/aggregate, and excess or umbrella limits can be placed up to $25,000,000 depending on the carrier.
Need help placing an account? Connect with a market specialist.