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... and responsive underwriting for catering and mobile food risks. The team is e... program is ideal for caterers, food trucks, concession trailers, and ice cream trucks operating in New England, includin...

... classes — Eligible exposures Catering businesses Farms and dairies Hou...e scenarios: You have a regional catering company with 10 refrigerated vans...

...le food vendors and small mobile catering operations. This program is offered ...present a small fleet of two to four trucks that travel up to 300 miles for fe...

... company running refrigerated box trucks across several neighboring states. ...ns a small fleet of refrigerated box trucks across three neighboring states or...

Policy Highlights for Local Trucking Insurance: Colonial General Insurance Agency, Inc. offers a Local and Intermediate Trucking Insurance program to help you place coverage for trucking clients operating within a 500-mile radius. Whether the account is for-hire or a private fleet, this program provides flexible, targeted solutions to mitigate common on-road and cargo exposures for local haulers. Ideal Accounts and Appetite This program targets small to mid-sized local and intermediate trucking operations, both for-hire and not-for-hire. Typical classes include general freight, refrigerated goods, and light construction materials. Good fits are short-haul delivery companies, regional freight carriers, and logistics providers focused on local supply chains. We can write single-unit operators and small fleets. Preferred accounts have clean loss histories, strong driver hiring and safety programs, and operations confined to the approved radius. This program is not intended for long-haul interstate trucking, hazardous materials carriers, or heavy specialized equipment transport. Example scenarios agents often place here: A regional refrigerated produce hauler operating entirely within a 300–400 mile radius with routine refrigerated-breakdown exposures. A short-haul delivery company moving general freight and light construction materials with one to five power units and documented safety policies. Coverage Highlights and Advantages Liability limits up to $1,000,000 Combined Single Limit (CSL). Physical damage with deductible options from $500 to $5,000. Motor truck cargo coverage included, with limits up to $100,000. Refrigerator breakdown coverage built into cargo protection where applicable. Radius of operation covered up to 500 miles. Package policy options available to consolidate liability, physical damage and cargo coverages for streamlined placement. These features make the program well suited to cover the most common risks for local haulers — liability exposures, vehicle damage, and cargo loss or spoilage — while allowing flexibility on deductibles and cargo limits to meet client needs. Underwriting Notes and Minimum Premiums Underwriting reviews focus on driving records, vehicle types, cargo hauled, radius of operation, and documented safety controls. Deductible flexibility and adjustable cargo limits help you balance price and protection. Submit complete loss runs and driver abstracts to speed decisioning. Please contact Colonial General for full underwriting guidelines, minimum premium thresholds, and specific documentation requirements. Our underwriting team aims for timely responses to help you place or bind accounts quickly. Territories and Availability This Local Trucking Insurance program is available in: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets are available in some states; Colonial General also places business with non-admitted carriers when required to meet an account’s needs. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General specializes in transportation risks and maintains relationships with multiple carriers to give you options for localized trucking operations. Our underwriting expertise in regional trucking exposures and responsive service helps you match your clients with competitive, tailored solutions. Bring Colonial General accounts that need: flexible cargo limits (including refrigerated breakdown), competitive liability and physical damage terms, or placement in admitted and non-admitted markets where appropriate. We can support new ventures and established operations seeking to expand or adjust coverage. Frequently Asked Questions What types of accounts are a good fit for this Local Trucking Insurance program?Ideal accounts are for-hire or not-for-hire local and regional trucking companies operating within a 500-mile radius — for example, general freight haulers, refrigerated carriers, and short-haul delivery operators. What is the maximum liability limit offered under this program?Liability coverage is available up to $1,000,000 Combined Single Limit (CSL). Is refrigerator breakdown coverage included in cargo insurance?Yes. Cargo coverage can include refrigerator breakdown protection where applicable, and cargo limits are available up to $100,000. Are both single-unit operators and small fleets eligible?Yes. The program accommodates single units and small fleets depending on underwriting criteria such as safety protocols and loss history. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY, with admitted options in some states and non-admitted placement when necessary. Need help placing an account? Connect with a market specialist.

...epair shops specializing in heavy trucks, trailers and heavy equipment. Mobi...avy truck dealership that sells used trucks and operates an on-site repair bay...

..., and operators of flatbeds, dump trucks, and other vehicles that carry buildi... an experienced hauler with multiple trucks or a new venture with one rig, we ...

...to Insurance program tailored for trucks and specialized hauling operations. W...or fleets. Public livery, buses, tow trucks, and delivery fleets are also elig...

...ch wagon or a small fleet of food trucks, the program provides targeted covera...d vendors such as lunch wagons, food trucks, and mobile kitchen vehicles with ...

Here at Cochrane & Company, we understand the unique challenges trucking companies face when bidding for contracts that require elevated liability limits. Our specialized Excess Auto Designated Truckload coverage is designed to provide flexible, contract-specific excess liability solutions—without requiring your clients to increase limits across their entire fleet. Overview of the Program From Cochrane & Company This program offers targeted excess auto liability coverage for truckers operating under specific contracts that demand higher limits. Instead of applying those increased limits to the entire fleet (and paying a significantly higher premium), your clients can secure coverage tailored to individual contracts—providing both cost savings and a competitive edge when bidding for business. Ideal Accounts and Appetite This program is ideal for for-hire trucking operations that haul full truckloads under specific agreements. It's a great fit for insureds who: Transport goods under designated contracts with defined coverage requirements Need to meet higher liability limits only for certain loads Do not dedicate specific vehicles to one contract but still need to meet contractual insurance obligations For example, you might have a client bidding on a short-term haul for a large retailer that requires $5 million in auto liability coverage. Instead of increasing fleet-wide limits, this program lets them meet that requirement for just that contract. Coverage Highlights and Advantages Designated Truckload Coverage for Specified Contracts: Limits apply only to loads under the defined contract. Flexible Premium Structure: Coverage is Minimum and Deposit adjustable—your clients pay only for the exposures associated with each contract. Accident Condition: A Bill of Lading must be produced to confirm the load is covered under the designated contract. Load Requirements: Applies to full truckloads only, with no partial loads eligible. Contract-Specific Limits: Combined Primary and Excess limits will match the contractual requirements, up to $5,000,000 per occurrence. Underwriting Notes and Minimum Premiums Each risk is underwritten based on the specific contract terms and exposure. While pricing is competitive, especially compared to fleet-wide limit increases, an appointment must be in place prior to quoting. The program is structured to offer cost-effective excess liability without unnecessary over-insurance. Territories and Availability This program is available on a non-admitted basis in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Cochrane & Company As a trusted Managing General Agency, Cochrane & Company brings decades of experience and underwriting expertise in transportation and trucking risks. We offer responsive service, deep market access, and tailored solutions that help your clients compete for high-value contracts—without overpaying for excess coverage they don’t need. Our Designated Truckload Excess Auto product is a strategic tool to help agents like you deliver real value to your trucking clients. *Please note: An appointment must be in place prior to quoting. Frequently Asked Questions What types of trucking clients are best suited for this program?This program is ideal for for-hire truckers who transport full loads under specific contracts that require higher liability limits. Does this coverage apply to the entire fleet?No, coverage is limited to truckloads transported under the specific contract, not to the entire fleet. What documentation is required in the event of an accident?A Bill of Lading must be produced to confirm that the load was part of the designated contract covered under the policy. Are partial loads eligible for this program?No, coverage applies only to full truckloads. Partial loads are excluded. Do I need an appointment with Cochrane & Company to get a quote?Yes, an appointment must be in place before a quote can be provided. Need help placing an account? Connect with a market specialist.