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...t strip and neighborhood shopping centers. The program supports monoline or pa...a good fit for this program?Shopping centers with at least five retail units a...

Grain or Hay and Feed Hauling Insurance Program Colonial General Insurance Agency, Inc. offers a specialized hauling insurance solution for accounts that transport grain, hay, and animal feed. Built for agents and brokers placing agricultural transport risks—including harder-to-place or non-standard accounts—this program combines flexible coverage options with underwriting expertise and access to admitted and excess & surplus markets. Ideal Accounts and Appetite This program targets insureds who haul agricultural commodities—either as for-hire carriers or as part of their farming operations. Typical fits include: Independent truckers moving grain or hay across state lines Farms or ranches with owned vehicles that deliver feed to customers Small to mid-sized commercial haulers serving agricultural clients You might have a client who operates a fleet delivering hay across the Mountain West, or a local feed distributor that needs cargo protection for refrigerated feed deliveries—this program is designed to place those accounts with appropriate limits and coverages. Coverage Highlights and Advantages Colonial General’s Grain or Hay and Feed Hauling Insurance program includes features that address the core exposures of agricultural haulers: Unlimited radius on mono-line cargo policies—suitable for long-haul and multi-state operations Excess cargo available over primary limits, up to $750,000 Cargo limits available up to $100,000; refrigeration breakdown is included where applicable Refrigeration breakdown coverage offered with a $2,500 deductible for temperature-sensitive feed products These options help manage loss of commodity value during transit and provide extended protection for regional and long-distance haulers. Underwriting Notes and Minimum Premiums Colonial General places business through a mix of admitted and non-admitted markets depending on the state and risk profile. Underwriting focuses on practical, risk-based solutions—reviewing factors such as vehicle condition, driver history, commodity type, trip radius, and packaging or bulk hauling methods. Minimum premiums and specific terms vary by market and state; the underwriting team will work with you to find appropriate placement for unusual or higher-exposure accounts. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage availability and carrier options may vary by state and by the characteristics of the account. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings specialized market access and claims-aware underwriting for agricultural transport risks. Their team understands the unique exposures of hauling grain, hay, and feed and can place both standard and hard-to-place accounts with responsive service. Working with Colonial General can be especially valuable when you need flexible cargo limits, refrigeration coverage, or excess cargo capacity. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts involved in hauling grain, hay, or feed—either for-hire or as part of their own agricultural operations—are ideal. This includes independent truckers, commercial carriers, and farm-owned transport fleets. Is refrigeration breakdown coverage included?Yes, cargo policies can include refrigeration breakdown coverage with a $2,500 deductible; this is useful for feed products that are temperature-sensitive. Can this program handle long-haul or multi-state operations?Yes. Mono-line cargo policies offer unlimited radius coverage, so the program supports regional and long-haul agricultural haulers. Are both admitted and non-admitted markets available?Yes. Colonial General accesses both admitted and non-admitted markets depending on the state and the specifics of the account. In which states is this program offered?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability and carrier options can vary by state and account characteristics. Need help placing an account? Connect with a market specialist.

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