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Overview — Colonial General Insurance Agency, Inc. Airport Shuttle Insurance Colonial General Insurance Agency, Inc. offers a targeted airport shuttle program designed for agents who need a flexible market for passenger transport and light cargo operations. This program combines auto liability, physical damage, cargo, and excess auto capacity to cover common exposures faced by shuttle and transfer operators. As a managing general agency and excess & surplus lines broker, Colonial General places business through admitted and non-admitted markets depending on state availability and risk characteristics. Ideal Accounts and Appetite Small to medium shuttle fleets (hotel, airport transfer, corporate shuttles, connector services). Operators carrying passengers and their baggage or light cargo, including food/catering runs tied to terminal operations. For-hire shuttle services with scheduled routes or on-demand airport transfers. Accounts with good driving records, documented maintenance programs, and clear operating radii. Accounts that typically do not fit include high-hazard operations (e.g., open cargo hauling, night-time unescorted intercity long-haul with excessive miles), excessively large fleets without loss control, or operations with poor loss history. Coverage Highlights and Advantages Liability: limits available up to $1,000,000 CSL; additional limits available up to state or federal requirements with per vehicle limits provided up to $1.5 million. Physical damage: full coverage offered with deductible options from $500 to $5,000 to fit different retention preferences. Cargo: limits up to $100,000 with refrigerator breakdown coverage included where applicable. Radius options: flexible territory limits up to 500 miles to support regional operations. Excess auto: capacity available to layer over primary limits for accounts needing higher limits. Placement flexibility: Colonial General works with a variety of markets and carriers; appetite and admitted availability vary by state and risk profile. Underwriting Notes and Typical Requirements Underwriting focuses on operations, loss history, driver qualification, vehicle condition, and radius. Typical information required at submission includes a driver roster and MVRs, up to three years of loss runs, a current fleet schedule with seating capacities and vehicle values, and a description of routes and any cargo types carried. Deductible selection, radius, and passenger exposure will materially affect pricing and placement. Because admitted markets are available in some states but not all, Colonial General frequently accesses both admitted and E&S capacity—ask the underwriter about admitted availability for the specific state and account. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage and admitted options vary by state; Colonial General places accounts in admitted markets where possible and uses excess & surplus capacity for higher-risk or out-of-territory placements. Why Work With Colonial General on Airport Shuttle Business Specialized program tailored to shuttle and passenger transport exposures. Flexible limits and deductible choices to match a range of fleet sizes and risk tolerances. Access to multiple carriers and market appetite — underwriter will evaluate admitted vs. non-admitted placement based on the account. Practical underwriting approach focused on operations and loss control, helping improve placement outcomes for well-managed accounts. Agent Scenarios Example 1: You have a boutique hotel with a three-vehicle shuttle that transports guests to the local airport. The fleet has clean driving records and routine maintenance—this program can provide primary liability, physical damage, and cargo protection with a competitive deductible. Example 2: You represent a regional airport transfer operator that also delivers catering items to terminals. Cargo coverage with refrigerator breakdown included and a 500-mile radius option make this program a practical fit for combined passenger/cargo exposures. Frequently Asked Questions What types of airport shuttle accounts are a good fit for this program?This program is aimed at small to medium passenger shuttle operations—hotel shuttles, scheduled airport transfers, corporate connectors, and similar services that maintain driver qualification, vehicle maintenance, and reasonable radius controls. Which coverages and limits are available?Coverage includes auto liability, physical damage, cargo (with refrigerator breakdown where needed), and excess auto. Liability limits are available up to $1,000,000 CSL, with higher per-vehicle limits up to $1.5 million and cargo limits up to $100,000 depending on the account. Are admitted markets available?Some admitted markets are available depending on state and risk characteristics. As an MGA and E&S broker, Colonial General can place business in admitted or non-admitted markets based on the account and state rules—ask the underwriter for admitted availability in the specific state. What underwriting information should I include with a submission?Include a current fleet schedule, driver roster and recent MVRs, three years of loss runs if available, vehicle values, seating capacities, and a description of typical routes and cargo types. These items speed underwriting and improve placement chances. How are deductibles and territory handled?Physical damage deductibles range from $500 to $5,000. Radius options are available up to 500 miles to support regional operations—both deductible and territory selections influence pricing and market access. Need help placing an account? Connect with a market specialist.

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Policy Highlights for Limousine Insurance: Colonial General Insurance Agency, Inc. offers a flexible Limousine Insurance program designed specifically to help agents and brokers place livery and chauffeur-driven transportation accounts. Backed by deep regional market knowledge and responsive underwriting, our team helps you secure tailored coverage, competitive terms, and solutions for both routine and complex operations. Ideal Accounts and Appetite This program targets licensed, commercially insured limousine operations including private executive transportation, special-event limos, airport transfer providers, and corporate chauffeur services. We work with small stretch-limo operators as well as larger fleets of luxury sedans and SUVs. Preferred submissions have consistent business operations, properly maintained vehicles, and clean driving records. New ventures may be considered on a case-by-case basis when driver training, vehicle maintenance, and safety procedures are clearly documented. Example scenarios that often fit well: A regional airport transfer operator with a mixed fleet of sedans and SUVs seeking liability and physical damage limits tailored to multi-zone operations. A small executive limousine company operating stretch limos for events and corporate accounts requiring higher liability limits based on seating capacity. Coverage Highlights and Advantages Colonial General's Limousine Insurance program offers customizable coverages to meet state and federal requirements and the specific exposures of chauffeur-driven transportation: Liability limits available up to $1,000,000 CSL Coverage to meet state/federal requirements by seating capacity — total limits up to $1.5 million Physical damage coverage with deductibles from $500 to $5,000 Radius options up to 500 miles to accommodate regional operations Cargo coverage up to $100,000, including refrigerated goods in transit Policies can be structured to reduce gaps between commercial auto, cargo, and hired/non-owned exposures so your clients operate with clearer protection and manageable risk transfer. Underwriting Notes and Minimum Premiums We place business across admitted and non-admitted markets depending on carrier availability and state rules. Underwriting focuses on driver qualifications, vehicle condition and maintenance records, loss history, and operational controls such as scheduling and dispatch procedures. Minimum premium requirements vary by carrier and risk characteristics. For a specific account, contact our underwriting team with a complete submission so we can evaluate markets and provide prompt proposals. Territories and Availability This program is currently available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Our regional focus gives us practical knowledge of state-level regulatory expectations and common exposures across the Western U.S. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides access to multiple admitted and E&S carriers and experienced underwriters who specialize in specialty transportation risks. We emphasize fast, transparent communications and practical placement strategies so you can close business with confidence. Whether you're submitting a straightforward airport transfer account or a specialized event-limo operation with unique exposures, our team can help identify appropriate markets, structure coverage, and deliver timely quotes. If you need assistance placing limousine business in the Western U.S., Colonial General's market specialists are available to review submissions and recommend solutions. Frequently Asked Questions What types of accounts are a good fit for this limousine insurance program?Licensed limousine services offering private, executive, event-based transportation, airport transfers, and corporate chauffeur services are a good fit. We handle small and mid-size fleets as well as specialized high-capacity vehicles when appropriate controls are in place. Are new ventures eligible for coverage?Yes. New ventures are considered on an individual basis. Successful submissions typically include driver hiring and training records, vehicle maintenance plans, and a clear operations plan. What is the maximum liability limit available?Liability limits are available up to $1,000,000 CSL, and total limits can be placed up to $1.5 million when required by seating capacity or regulatory mandates. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer both admitted and non-admitted options?Yes. We can place accounts in admitted or non-admitted markets depending on carrier appetite, state rules, and the specific risk profile. Need help placing an account? Connect with a market specialist.