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...arriers to insure loggers, lumber haulers, log haulers, chip haulers, and similar timber transportation o..., including harder-to-place regional haulers. Underwriting familiarity with ...

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Policy Highlights: Transporting heavy equipment involves significant risk, and your clients need specialized cargo insurance that can keep up with the complexity of their operations. Colonial General Insurance Agency, Inc. offers a tailored Heavy Equipment Transport Insurance program designed specifically for this sector. With flexible underwriting, broad market access, and competitive coverage options, Colonial General helps agents place hard-to-insure risks efficiently and confidently. Ideal Accounts and Appetite This program is ideal for motor carriers, independent owner-operators, and specialized transport companies involved in hauling construction equipment, agricultural machinery, industrial tools, or other oversized loads. Whether your client is transporting bulldozers across state lines or moving refrigerated units to a job site, this program has the flexibility and capacity to meet a wide range of needs. Colonial General is a strong partner for accounts that: Transport heavy, oversized, or high-value equipment Operate regionally or nationally, including long-haul operations Require excess cargo limits or custom coverage features Coverage Highlights and Advantages Colonial General provides access to a broad set of coverage options that go beyond standard cargo insurance: Unlimited radius on all mono-line cargo policies Excess coverage available over primary cargo limits up to $750,000 Cargo limits up to $100,000, including refrigerator breakdown coverage This program is especially effective for clients needing flexible limits and specialized endorsements for refrigeration and equipment breakdown exposures. Underwriting Notes and Minimum Premiums Underwriting is handled by experienced professionals who understand niche transportation risks. While minimum premiums may vary based on account specifics, the program is structured to accommodate a range of account sizes and operational complexities. Accounts with clean loss histories and well-documented safety protocols are viewed favorably in underwriting. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and non-admitted markets are available depending on the risk and jurisdiction. Why Work With Colonial General Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep experience in transportation-related risks. Their strong market relationships and responsive service make them an excellent partner for agents seeking to place heavy equipment transport accounts. Whether you're working on a single-unit hauler or a multi-vehicle fleet, Colonial General provides the expertise and market access to get the job done. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include motor carriers, owner-operators, and transport companies that haul heavy machinery, construction equipment, agricultural equipment, and similar oversized loads. What is the maximum cargo limit available?The program offers cargo coverage limits up to $100,000, with options for excess coverage up to $750,000 over the primary limit. Is this program available in my state?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by risk type and carrier appetite. Does the policy include coverage for refrigeration breakdown?Yes, refrigerator breakdown is included within the cargo limits, making it suitable for accounts transporting temperature-sensitive equipment. Can I write just the cargo coverage through this program?Yes, mono-line cargo policies are available with unlimited radius, making it a flexible solution for standalone cargo needs. Need help placing an account? Connect with a market specialist.

No matter where your client is located, Phoenix Risk Management provides a flexible, competitive stand-alone Workers' Compensation Insurance program designed to help you place even the most challenging risks. We give independent agents and brokers access to a broad array of Workers’ Compensation markets and coverage structures through multiple A-rated carriers. Whether you’re working with a new venture, a high-mod account, or a business with lapses in coverage, our goal is to find the right fit for your client’s needs quickly and efficiently. We offer a variety of plan options, including: Guaranteed Cost Plans Deductible and Loss Sensitive Plans Self-Insurance for Groups and Individuals Captive Programs Minimum premiums starting at $500.00 Solutions for special situations: - Mid-term cancellations - Lapsed coverage - New ventures Ideal Accounts and Appetite Phoenix Risk Management underwrites a wide range of Workers’ Compensation classifications. With our carrier relationships, we place standard and preferred risks as well as harder-to-place business. Common fits include contractors, healthcare providers, hospitality, light manufacturing, transportation, and retail operations. You might have a client who recently started a business and is struggling to find market capacity, or an established operation that had a lapse in coverage or elevated experience mods. Our program is structured to give those accounts multiple paths to placement. Coverage Highlights and Advantages Access to hundreds of WC class codes Multiple A-rated carrier options to match client needs Wide range of plan structures: guaranteed cost, deductible, loss-sensitive, and captive solutions Ability to handle complex or distressed risks, including mid-term and lapse situations Fast, responsive underwriting and placement support for brokers Underwriting Notes and Submission Requirements To start a submission, include the following: Signed ACORD application Completed supplemental application Loss runs (current year + previous 4 years preferred), valued within 90 days of the effective date Aggregate payroll history to match the loss years Minimum premiums commonly start around $500, but final minimums vary by class code, state, and other risk factors. Underwriting may request additional documentation depending on the account. Territories and Availability Our Workers’ Compensation program is available in all states, including Washington, DC. We can place admitted and non-admitted solutions depending on the client’s state and needs. Why Work With Phoenix Risk Management? Phoenix Risk Management gives independent agents access to broad carrier capacity and flexible plan designs for Workers’ Compensation. We specialize in finding placement strategies for accounts that need more than a single market — from newly formed businesses to higher-mod or distressed risks. Our underwriters move quickly, provide practical underwriting guidance, and coordinate placement across admitted and non-admitted markets. Send submissions to: [email protected] Contact us to discuss a specific account or to learn how our national Workers’ Compensation solutions can help you secure coverage for your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?We place a wide range of accounts, including contractors, healthcare, retail, light manufacturing, and transportation. We also consider new ventures and businesses with lapsed coverage. Are options available for clients with high experience mods or loss histories?Yes. We offer loss-sensitive plans and have access to carriers that will consider higher-mod or otherwise distressed risks. What is the minimum premium for this program?Minimum premiums commonly start at $500, but they can vary by class code, state, and other risk factors. Do you offer coverage in all states?Yes. Our Workers' Compensation program is available in all 50 states plus Washington, DC, with admitted and non-admitted options as appropriate. What documents are needed to submit a risk?Provide a signed ACORD application, the supplemental application, current loss runs (valued within 90 days), and payroll history that matches the loss years. Need help placing an account? Connect with a market specialist.