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Transportation and Trucking Coverage from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a Transportation and Trucking Coverage program tailored for commercial auto operations that need wholesale, Excess & Surplus (E&S) solutions. Through access to an A.M. Best–rated A+ (Superior) FSC XV E&S carrier and other markets, we place complex or hard-to-place trucking risks that may not fit standard admitted carriers. This program is designed for agents and brokers who need capacity, flexible underwriting, and solutions for unique fleet exposures. Ideal Accounts and Appetite We write a wide range of for-hire and private fleets. Typical classes include: Contractor fleets Cement mixers and sand & gravel haulers Patrol and security companies Parcel and document delivery services Container haulers and building materials dealers Hotel and motel courtesy vans Airport shuttles and taxis Ambulances (emergency and non-emergency) Selective long-haul fleets (40+ units) Local trucking operations (up to a ~500-mile radius) Garbage and recycling haulers Select fuel haulers We also consider many other classes—contact us with specific operations that may appear outside typical appetite. Coverage Highlights and Advantages This program balances capacity with flexible underwriting to serve both standard and specialty exposures: Primary commercial auto liability and physical damage coverage Underwriting flexibility for complex operations and unique exposures Capacity for large fleets and regional trucking programs Options for sizable deductibles and Self-Insured Retentions (SIRs) Non-admitted/E&S market advantages for risks not eligible for admitted markets Underwriting Notes and Minimum Premiums We focus on accounts that may not fit standard carriers due to fleet size, operational complexity, or higher risk profiles. The program’s typical minimum premium begins at $35,000, so it is best suited for mid-size to large fleets or operations with elevated exposures. Underwriting emphasizes vehicle count, radius of operation, cargo type, driver selection and training, loss history, and safety controls. Examples of good fits: An independent contractor fleet of mixed heavy equipment and dump trucks operating regionally with a strong safety program but large aggregate limits needs E&S capacity and SIR options. A municipal solid-waste hauler with multiple routes across state lines requiring primary liability and physical damage limits not available in standard markets. Territories and Availability This program is available in most U.S. states, including 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, and WY. Availability may vary by state and specific risk characteristics—confirm with underwriting for state-specific terms. Why Work with U.S. Risk Insurance Group? As an experienced E&S broker, U.S. Risk combines deep carrier relationships with hands-on underwriting expertise in transportation and trucking. We move quickly on submissions, structure programs with flexible retentions and limits, and help place accounts that require non-standard solutions. If you have a trucking client who can’t get acceptable terms in admitted markets—or who needs larger deductibles, SIRs, or specialty coverage—we can help you find workable options. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mid-size to large transportation fleets, especially those involved in local or selective long-haul trucking, delivery, or specialized hauling (for example, fuel, cement, or garbage haulers). Is this program available nationwide?Yes. The program is available in most U.S. states, including major transportation hubs such as TX, CA, FL, IL, and NY. State availability may vary by risk; confirm with underwriting. What is the minimum premium for this coverage?The typical minimum premium starts at $35,000. Accounts with very large fleets or unique exposures may require higher premiums or additional underwriting information. Can you write accounts with high deductibles or SIRs?Yes. We have appetite for accounts with large deductibles or Self-Insured Retentions, particularly for experienced operators with strong safety programs and loss control measures. Do you offer coverage for emergency service vehicles?Yes. We can provide coverage for ambulances (emergency and non-emergency) and other specialized vehicles such as taxis and courtesy vans, subject to underwriting review. Need help placing an account? Connect with a market specialist.

...5,000 limit—Included. Excess / Umbrella capacity up to $25,000,000 to broade...ccurrence and aggregate, and excess/umbrella capacity up to $25,000,000. Prope...

...actors – such as steel erectors, elevator contractors, painting, street and ro...ude: Primary limits of 1/2/2 and umbrella limits up to $10M Primary non-c...

Coverages include, but are not limited to: Primary General Liability with higher limits available Excess Liability Professional Liability (E&O) Pollution Property Inland Marine — tool coverage Overview — Contractors / Construction Insurance from Ck Specialty Insurance Ck Specialty Insurance Associates, Inc. offers Contractors / Construction insurance solutions designed for retail agents who need flexible markets and quick turnarounds for construction, renovation and specialty contractor risks. As a Western-based MGA, wholesaler and surplus lines broker, Ck Specialty places accounts through multiple A-rated carriers and in-house binding authority where available. Ideal Accounts and Appetite This program targets a broad range of contractors and construction risks, including both new construction and repair/renovation work. Typical classes we place include: Remodel and home construction contractors General contractors and specialty trade contractors (EIFS, OCP) Steel erection and drilling contractors Solar contractors Utility, sewer & water contractors Senior and military housing, apartments, custom homes and hotels Accounts with typical exposure profiles — on-site operations, tools and inland marine needs, completed operations exposures and contractual additional-insured requests — are a good fit. Classes with significant subsidence exposure may be eligible on a case-by-case basis; some classes qualify for no-subsidence wording. Coverage Highlights and Advantages Flexible package: primary GL, excess liability, professional liability (E&O), pollution and property options Inland marine tool/eqpt coverage available Project-specific policies or annual policies available Endorsements available for blanket additional insureds, primary/non-contributory wording, waiver of subrogation and per-project aggregate Completed operations endorsement options, including extended completed ops up to 10 years for eligible risks All carriers contracted through Ck Specialty are A-rated In-house binding authority and brokerage markets to speed placements Available Endorsements Blanket Additional Insureds Primary / Non-Contributory wording Waiver of Subrogation Per Project Aggregate Completed Operations coverage for Additional Insureds No Subsidence Exclusion (available on select classes) 10-year extended Completed Ops endorsement (eligible risks) Project-specific policies or annual policies Underwriting Notes and Minimum Premiums Ck Specialty underwrites to a construction-focused appetite with multiple markets available depending on class and coverage needs. Minimum premium starts at $500. The program supports quick quote-to-bind turnaround for standard risks; more complex accounts may require supplemental documentation, loss runs and completed operations controls. Territories and Capacity This Contractors / Construction program is available in AZ, CA and TX. Ck Specialty places business through a mix of admitted and surplus lines markets as appropriate to the risk ("Most Available Markets"). Capacity levels and admitted status vary by carrier and class. Why Place Construction Business with Ck Specialty Insurance Access to multiple A-rated carriers and both binding and brokerage markets Specialized construction underwriting and flexible endorsement options that address typical GC and subcontractor contractual needs Low minimum premiums to help place smaller contractor accounts Faster turnaround for routine accounts — useful when certificates and AI wording are time-sensitive Example scenarios: You might have a remodeling contractor needing primary GL, tools coverage and a per-project aggregate with blanket additional-insured wording, or a general contractor on a mid-size multifamily project that needs primary/non-contributory wording and completed operations extended endorsements. This program is structured to handle those needs through admitted or surplus markets depending on the placement. Ck Specialty Insurance is a Western-based MGA/wholesaler/surplus lines broker providing market access to retail insurance brokers in AZ, CA and TX. All carriers are A-rated and multiple markets are contracted and accessible through Ck Specialty Insurance depending on coverage and risk type. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of contractor accounts are a good fit for this program?The program fits a wide range of contractors including remodelers, general contractors, steel erection, drilling, solar, utility, sewer & water contractors, and residential builders (custom homes, apartments, hotels, senior/military housing). Small to mid-sized commercial and residential projects with standard completed operations exposure are ideal. Which states and market types are supported?This Contractors / Construction program is available in AZ, CA and TX. Ck Specialty places accounts through multiple markets — admitted and surplus lines — as appropriate for the risk and coverage requested. What endorsements and policy features are commonly available?Common available endorsements include blanket additional insureds, primary/non-contributory wording, waiver of subrogation, per-project aggregate, completed operations extensions (including up to 10 years for eligible risks), and no subsidence exclusion on select classes. What are the submission requirements and turnaround expectations?Standard submissions should include an ACORD application, current loss runs and description of operations. Minimum premium starts at $500. Routine risks typically receive quick quotes and fast bind times; complex or high-exposure accounts may require supplemental information and underwriting review. How does Ck Specialty support agents placing construction business?Ck Specialty provides access to multiple A-rated carriers, in-house binding authority on eligible risks, and underwriting expertise focused on construction exposures. They support certificate and endorsement requests and work to place accounts efficiently through available markets. Need help placing an account? Connect with a market specialist.

...quor liability included Excess/umbrella limits up to $25,000,000 Assault a...

Policy Highlights for Directors and Officers Insurance: In today’s litigious and highly regulated business environment, directors and officers face elevated risks and increasing personal liability. Without a dedicated D&O policy, their personal assets may be exposed if the organization cannot or will not indemnify them. Colonial General Insurance Agency, Inc. offers a flexible, market-backed Directors and Officers Insurance program designed to protect individual leaders and the organizations they serve. Overview of the Program From Colonial General Insurance Agency, Inc. Colonial General operates as a Managing General Agency and an Excess & Surplus Lines broker with broad market access. That position lets us place D&O solutions for nonprofits, privately held firms, and publicly traded companies. We can access admitted markets where available and use non-admitted capacity when needed to achieve terms that match your client’s exposures and jurisdictional requirements. Ideal Accounts and Appetite This D&O program is a strong fit for: Nonprofit organizations (charities, foundations, trade associations) Privately held companies across a wide range of industries Public companies and pre-IPO firms managing evolving governance risks The program commonly accommodates mid-market accounts and organizations with standard governance structures. It can also be packaged with Employment Practices Liability (EPLI), Crime, and Fiduciary Liability to create a consolidated management liability solution. Coverage Highlights and Advantages Key features agents can expect from Colonial General’s D&O program include: Smooth excess policy structure with an expansive definition of “drop-down event,” allowing the excess to respond when underlying carriers deny or intend to deny coverage. No automatic exclusions for bodily injury, property damage, or pollution—broader than many standard D&O forms. A broad definition of “loss,” improving the policy’s ability to respond to diverse claim types. A targeted “organization vs. insured person” exclusion that focuses on collusive internal actions rather than sweeping corporate exclusions. A comprehensive definition of “claim” that includes arbitration, mediation, extradition proceedings, subpoenas, and similar proceedings. Enhanced Outside Directorship Liability for insureds serving on external boards. Specific terms and pricing will vary by carrier and the nature of the risk; Colonial General uses its market relationships to secure competitive and appropriate wording. Underwriting Notes and Minimum Premiums Each submission is underwritten on its own merits. Underwriting requirements and appetite vary by carrier—submissions with prior D&O claims, governance or fiduciary concerns, or operations in higher-risk industries will receive additional scrutiny. While there is no published blanket minimum premium, Colonial General places accounts across admitted and non-admitted markets to match cost and coverage needs. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted versus non-admitted markets varies by state and by the specifics of the account. Why Work With Colonial General As an experienced MGA and E&S broker, Colonial General provides depth of market access and practical placement guidance. Agents benefit from responsive underwriting, flexible policy structures, and the ability to package related management liability coverages. Our approach helps you place complex leadership-risk accounts efficiently while seeking contract language that better protects insureds. Example Accounts You have a regional nonprofit with volunteer board members facing increasing regulatory oversight—this program can provide director-level protection and limit board members’ personal exposure. You represent a privately held technology firm preparing for a capital raise—Colonial General can help structure D&O limits and outside directors coverage to address investor and governance concerns. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s D&O program?Nonprofits, privately held businesses, and publicly traded companies are all eligible. The program is designed to accommodate a broad range of industries and organizational structures. Can this D&O coverage be packaged with other management liability products?Yes. In many cases D&O can be packaged with EPLI, Crime, and Fiduciary Liability depending on the client’s needs and the carrier’s appetite. What makes Colonial General’s D&O program different?The program offers broader definitions of key terms, fewer standard exclusions, and enhanced protection for outside directorships—features that provide stronger protection in complex scenarios. Are admitted markets available for this program?Yes. Some admitted markets are available depending on the state and the risk; Colonial General also has access to non-admitted markets when needed. Which states is the program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.