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Overview — Colonial General Insurance Agency: Garbage Hauling Insurance Colonial General Insurance Agency, Inc. offers a targeted Garbage Haulers and Waste Disposal program designed for independent agents and brokers placing commercial waste-hauling risks. As an experienced managing general agency and excess & surplus lines broker, Colonial General works with a variety of admitted and non-admitted markets to provide flexible liability, physical damage, cargo and excess auto options for roll-off, residential/ commercial trash, recycling and related waste operations. Ideal Accounts and Appetite This program is a good fit for: Local and regional refuse haulers (residential and commercial routes) Roll-off/dumpster operators, transfer station pickups and container services Recycling haulers and mixed solid waste carriers Hazardous materials haulers in eligible classes (note: specific limits in CA) Less appropriate accounts typically include long-haul interstate fleet operations with specialized high-hazard exposures or heavily deteriorated safety programs. Each submission is reviewed by underwriting for class, fleet size, safety record and loss history. Coverage Highlights and Advantages Program features give you multiple ways to structure coverage for the unique exposures of waste haulers: Auto Liability: Primary limits available up to $1,000,000 (in California hazardous materials haulers may qualify for $1,200,000 primary). Buffer/Layered Auto Liability: Options to add buffer layers to achieve combined limits. Physical Damage: Comprehensive and collision available with deductible choices typically ranging from $500 to $5,000. Cargo: Limits up to $100,000; coverage can include refrigerated cargo breakdown where applicable. Excess Auto: Capacity to place higher limits via excess layers. Radius options: Flexible territory/radius schedules up to 500 miles to match operational patterns. Regulatory and state filings: Assistance with filings where required by state regulators. Underwriting Notes Underwriting focuses on fleet safety, driver hiring and monitoring practices, vehicle maintenance, loss history and the types of materials transported. Common items under review include: CSA scores and MVRs for drivers Recent loss runs and frequency/severity trends Equipment age and maintenance programs Special operations (e.g., hazardous waste) that may require enhanced terms Carriers and admitted status vary by state and account profile; Colonial General places business in both admitted and surplus markets as appropriate. Territories and Availability The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Availability and admitted vs. non-admitted placement will depend on the carrier, the class of business and the insured’s operations. Why Work With Colonial General on Garbage Hauling Business Colonial General combines program underwriting expertise and market access to help you place challenging waste-hauling risks. The MGA’s flexibility on limits, physical damage deductible options and cargo protection — plus support for state filings — makes this program a practical option when standard markets are constrained. Carriers vary by account; underwriting is geared to evaluate and structure coverage for common hauler exposures rather than offer one-size-fits-all terms. Example placements You may have a local roll-off operator with a mixed residential/commercial route and a modest fleet who needs $1,000,000 auto liability, physical damage with a $1,000 deductible and cargo limits — this program can be structured to fit that profile. A small municipal contractor running within a 200-mile radius with clean loss runs and maintained equipment could qualify for primary liability and excess options through Colonial General’s carrier panel. Frequently Asked Questions What types of garbage hauling accounts are a good fit for this program?The program targets local and regional refuse haulers, roll-off and dumpster services, transfer pickup operators, and recycling haulers. Accounts with documented safety and maintenance programs and standard solid waste operations are best suited. What liability and cargo limits are available?Primary auto liability limits are available up to $1,000,000 (with select hazardous materials haulers in California eligible for $1,200,000 primary). Cargo limits are available up to $100,000 and can include refrigerated cargo breakdown where applicable. Excess layers are also available through market capacity. Are admitted markets available?Yes — Colonial General places business in both admitted and excess & surplus markets. Actual admitted availability depends on state and the specific risk characteristics. What submission information do underwriters typically need?Provide a completed application, current loss runs (usually 3–5 years), driver MVRs or summary, vehicle list and details on safety/maintenance programs. The more detail on operations and controls, the better the chance of favorable terms. Need help placing an account? Connect with a market specialist.

Policy Highlights: As a lunch wagon or food truck owner, your vehicle is more than transportation—it is the core of the business. Colonial General Insurance Agency, Inc. offers a Lunch Wagon Insurance program to help agents place coverage for mobile food vendors operating across the western U.S. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of admitted and non-admitted carriers. This Lunch Wagon Insurance program is designed for independent agents and brokers who need flexible, market-access solutions for mobile food-service clients. Whether your client runs a single lunch wagon or a small fleet of food trucks, the program provides targeted coverages and underwriting support tailored to the industry’s exposures. Ideal Accounts and Appetite This program targets mobile food vendors, including: Lunch wagons Food trucks and concession trailers Mobile kitchen vehicles with permanently mounted equipment We prefer operators with permanently mounted cooking or refrigeration equipment and those working regionally (up to a 500-mile radius). The program considers both start-ups and established businesses; underwriting evaluates experience, vehicle condition, and operations when determining eligibility. Coverage Highlights and Advantages Key features agents can offer through this program include: Physical damage coverage for the vehicle and permanently mounted equipment (stoves, grills, refrigeration, etc.). Liability limits up to $1,000,000 CSL to satisfy contract and municipal requirements. Deductible flexibility with options typically from $500 to $5,000 to match client budgets. Radius options—coverage available for operations up to 500 miles for regional vendors. Cargo and spoilage protection—limits up to $100,000 including refrigerator breakdown coverage for perishable inventory. Underwriting Notes Underwriting considers vehicle type, age and condition, permanently installed equipment value, radius of operation, loss experience, and operator experience. Colonial General leverages multiple markets to place risks that may be difficult to write in standard markets. Minimum premiums and admitted availability vary by state and specific risk characteristics. Territories and Availability The Lunch Wagon Insurance program is available to agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are admitted in select states; other placements may be written non-admitted depending on the risk profile and state rules. Why Work With Colonial General? With decades of specialty risk experience and a regional focus, Colonial General provides access to niche markets and responsive underwriting. Agents benefit from our knowledge of mobile food exposures, our ability to place hard-to-write risks, and timely support to secure coverage that fits contractual or municipal requirements. Our team helps you match appropriate limits, deductibles, and ancillary coverages to each client’s operation. Frequently Asked Questions What types of accounts are a good fit for this program?Mobile food vendors such as lunch wagons, food trucks, and mobile kitchen vehicles with permanently mounted equipment are ideal for this program. Can new businesses or startups qualify for coverage?Yes. Start-ups may be considered; underwriting reviews operator experience, vehicle condition, equipment, and operational details. What is the maximum radius of operation allowed?The program offers radius options up to 500 miles to accommodate most regional food truck businesses. Is refrigerator breakdown covered under the cargo limit?Yes. Refrigerator breakdown protection is available under the cargo/spoilage coverage, with limits that can go up to $100,000 depending on the account. Which states is this program available in?The Lunch Wagon Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

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