https://completemarkets.com/company/keating/restaurant-workers-compensation-insurance/
...p to help agents place and protect foodservice clients. This program provides ...nderwriting, and a broad appetite for foodservice risks—including accounts tha...
https://completemarkets.com/company/colonialgeneral/Bed-and-Breakfast-Insurance/
Policy Highlights for Bed and Breakfast Insurance:
Overview — Colonial General Insurance Agency, Inc. Bed and Breakfast Insurance
Colonial General Insurance Agency, Inc. offers property and liability coverages written on a mono-line or packaged basis for residential homes operated as bed and breakfasts or country inns. The program is designed for owner-operated properties with traditional B&B operations — guest rooms, limited on-site dining, and modest guest services — and accepts exposures up to a maximum of 10 rooms per location. Coverage is available through a mix of admitted and excess & surplus solutions depending on the state and risk characteristics.
Ideal Accounts and Appetite
Owner-occupied bed & breakfasts and country inns with up to 10 guest rooms.
Properties with limited food service (breakfasts and light meals) rather than full-service commercial restaurants.
Converted historic homes, small inns, and rural lodgings where the owner lives on-site or nearby.
Accounts with reasonable maintenance, functioning protective devices (smoke detectors, fire extinguishers), and documented safety procedures.
Generally not a fit: large inns or hotels, properties with more than 10 rooms, full-service restaurants or event venues with high-exposure special events, or operations with significant liquor liability without proper controls and underwriting.
Coverage Highlights and Advantages
Commercial General Liability: Primary limits up to $3,000,000 occurrence/aggregate; Innkeepers liability included; $5,000 medical payments included; additional interests covered.
Excess/Umbrella: Limits available up to $25,000,000 (subject to underwriting and carrier availability).
Property Options: Building, Business Personal Property, Business Income, Replacement Cost or ACV, Basic/Broad/Special forms, Equipment Breakdown, Computer Equipment, Valuable Papers, Accounts Receivable, Household Personal Property.
Additional Property Coverages: Food Spoilage, Inland Marine, Outside Signs.
Crime Coverage: Theft of money/securities inside premises, robbery or safe burglary of other property, and outside-the-premises coverage options.
Underwriting Notes and Submission Checklist
Underwriters will evaluate operations, construction, occupancy, fire protection, and loss history. Common information requested on submission:
Completed application and ACORD forms.
Current loss runs (typically 5 years).
Property address, number of guest rooms, and description of food service (on-site kitchen hours, staff, alcohol sales).
Photos of exterior, guest rooms, and any commercial kitchen or common areas.
Revenue breakdown (room revenue vs. food/service revenue) and details on special events if any.
Note: alcohol service, weddings or large events, and full-time restaurants may trigger additional underwriting requirements or exclusions and could be better placed through specialized hospitality programs.
Territories and Admitted Status
Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Carrier availability varies by state and risk. Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, so some risks may be placed in admitted markets where available; other risks will be placed in E&S markets when necessary. Please confirm admitted availability for the state and account you are submitting.
Why Work With Colonial General Insurance Agency, Inc. on Bed & Breakfast Business
Dedicated B&B/hospitality appetite tailored for small owner-operated inns.
Access to multiple carriers and both admitted and non-admitted markets to find the most appropriate placement.
Flexible packaging — choose mono-line property or liability, or a combined package — and options for excess limits and crime coverage.
Underwriting that considers the operational details important to B&B owners (limited dining, resident owner, safety controls).
Example Accounts That Fit This Program
A restored Victorian home in Colorado operating as a six-room B&B, owner on-site, serves breakfast only — needs property, liability, and innkeepers coverage with business income and equipment breakdown.
A four-room country inn in New Mexico with a small on-site kitchen for morning and afternoon service, seeking liability limits of $1,000,000 and umbrella capacity — admitted and E&S options explored depending on local availability.
Frequently Asked Questions
What types of accounts are a good fit for Colonial General’s Bed and Breakfast program?Owner-occupied bed & breakfasts and small country inns with up to 10 guest rooms, limited food service (typically breakfast and light meals), documented safety procedures, and standard hotel/inn exposures. Larger inns, full-service restaurants, or venues that host frequent large events may not fit this program.
What liability and property limits are available?Primary commercial general liability limits are available up to $3,000,000 occurrence/aggregate, with innkeepers liability and $5,000 medical payments included. Excess/umbrella capacity is available up to $25,000,000 depending on the risk and carrier appetite. Property coverages include building, BPP, business income, equipment breakdown, and optional inland marine and crime coverage.
Are admitted policies available or is this strictly E&S?Colonial General has access to both admitted and excess & surplus markets. Some risks may be placed on admitted paper in eligible states; others will be placed in E&S depending on the property, occupancy, and state of placement. Confirm admitted availability at submission.
What documents should I include with a submission to speed underwriting?Provide a completed application and ACORD forms, current loss runs (preferably 5 years), photos of the property, a description of food and alcohol service, revenue breakdown, and any safety/protective device information. Clear information on room counts and guest capacity is particularly helpful.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/colonialgeneral/Private-School-Insurance/
Policy Highlights for Private School Insurance:
Colonial General Insurance Agency, Inc. offers a comprehensive Private School Insurance program tailored for agents and brokers looking to place educational institution accounts. This program is designed for private elementary, middle, and high schools, as well as private technical, trade, and vocational schools that provide job-specific certification. Learning centers and tutoring services are also eligible, making this a versatile solution for a wide range of educational clients.
Ideal Accounts and Target Classes
This program is best suited for:
Private K-12 schools with structured curriculums
Vocational and trade schools offering certifications
Private technical institutions and career-focused training centers
Supplemental learning centers and tutoring facilities
Whether your client operates a large private school or a small specialized training center, Colonial General can help provide tailored coverage solutions.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
Primary limits available up to $3,000,000 per occurrence and aggregate
Errors and Omissions coverage for teaching staff
Medical payments coverage included—$5,000 limit
Sexual and Physical Abuse coverage—$25,000 per claim / $50,000 aggregate included
Excess or umbrella limits available up to $25,000,000
No deductible required
Property Coverage Options:
Building and contents coverage with replacement cost or actual cash value
Business income protection
Electronic data processing and equipment breakdown
Accounts receivable and valuable papers
Food spoilage and outside signs
Forms available: Basic, Broad, or Special
Crime Coverage Options:
Theft of money and securities inside the premises
Robbery or safe burglary of other property inside the premises
Certain coverages available for losses occurring outside the premises
Underwriting Notes and Program Access
Coverages can be written on a mono-line or package basis, giving you flexibility based on your client’s risk profile. No deductible is required for general liability, and various property and crime coverages can be customized per account needs. The program is placed through various carriers depending on risk, with some admitted options available.
Available States
This program is available to agents and brokers placing risks in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Why Work With Colonial General?
Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in niche markets like private education. Their strategic carrier relationships and underwriting experience allow them to handle both standard and hard-to-place risks efficiently. Agents benefit from responsive service, flexible underwriting, and access to competitive markets for educational institutions.
For example, if you have a client running a private culinary school offering certification programs, or a tutoring center expanding into multiple locations, Colonial General can help you build the right coverage package to protect those operations effectively.
Frequently Asked Questions
What types of accounts are a good fit for this program?The program is ideal for private K-12 schools, vocational and trade schools, technical training centers, and tutoring or learning centers that offer structured curriculums or certifications.
Can I write mono-line coverage or does it have to be a package?You can write coverage on a mono-line or package basis, depending on your client’s needs and exposures.
Is this program available on an admitted basis?Some markets are admitted, but availability depends on the specific risk and location. Colonial General will help determine the best placement.
What limits are available for general liability?Primary general liability limits are available up to $3,000,000 per occurrence and aggregate, with excess and umbrella limits up to $25,000,000.
Which states is this 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.
https://completemarkets.com/company/colonialgeneral/Mobile-X-ray-and-Imaging-Insurance/
...d Marine (for mobile equipment)
Workers’ Compensation (in select markets)
C...rty/Inland Marine for equipment, and Workers’ Compensation depending on the carrier and st...
https://completemarkets.com/company/colonialgeneral/Bar-Insurance/
Policy Highlights for our Bar Insurance program:
Colonial General Insurance Agency, Inc. offers a specialized Bar Insurance program designed for establishments with significant alcohol sales. This program is ideal for bars, taverns, pubs, nightclubs, and restaurants where alcohol accounts for 30% or more of total gross sales. Whether you are looking for mono-line or package coverage, we can help you place complex hospitality risks with confidence.
Ideal Accounts and Appetite
Our Bar Insurance program targets businesses that serve alcohol as a key part of their operations. Strong fits include:
Neighborhood bars and lounges
Sports bars with food service
Nightclubs with live entertainment or dancing
Restaurants with alcohol sales exceeding 30% of total revenue
We understand the unique exposures these operations face, including liquor liability, property damage, and potential assault and battery incidents. Colonial General works with appointed agents to place business in AZ, CA, CO, ID, NV, NM, UT, and WY.
Coverage Highlights and Advantages
Property Coverage available for Bar Insurance:
Accounts Receivable
Basic, Broad, or Special Form
Building and Contents
Business Income and Extra Expense
Computer Equipment
Equipment Breakdown
Food Spoilage
Outdoor Signs
Replacement Cost or Actual Cash Value (ACV)
Valuable Papers
Commercial General Liability Coverage:
Primary Limits up to $3,000,000 Occurrence/Aggregate
Liquor Liability Coverage
Excess or Umbrella Limits up to $25,000,000
Assault and/or Battery Limited Liability Coverage Form (per event)—$25,000/$50,000 Limits
Medical Payments Coverage—$5,000 Limit
Additional Interests Included
No deductible required
Crime Coverage:
Inside the Premises—Theft of Money and Securities
Inside the Premises—Robbery or Safe Burglary of Other Property
Outside the Premises
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on class, coverage, and risk profile. Colonial General works with multiple carriers to find appropriate solutions for both standard and challenging bar-related risks. Admitted markets are available in some states, with non-admitted options also offered depending on the exposure and location.
You might have a client who owns a high-traffic sports bar in California or a neighborhood pub in Colorado—both could be eligible for tailored coverage through this program.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Why Work With Colonial General?
Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep experience in placing hospitality risks. We offer access to specialized markets and underwriting expertise that helps you serve bar and restaurant clients with confidence. Whether placing a single-location bar or a multi-state restaurant operation with heavy alcohol sales, our team supports you from quote to bind and beyond.
Frequently Asked Questions
What types of accounts are a good fit for this Bar Insurance program?This program is ideal for bars, taverns, pubs, nightclubs, and restaurants where alcohol sales make up at least 30% of total revenue.
Is liquor liability included in the program?Yes, liquor liability coverage is included and can be tailored based on the specific exposures of the insured.
Are there coverage options for assault and battery incidents?Yes, the program includes a Limited Liability Coverage Form for assault and/or battery with standard limits of $25,000 per event and $50,000 aggregate.
What states is this program available in?This Bar Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I write both property and liability on the same policy?Yes, coverage is available on a mono-line or package basis depending on the needs of the insured.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/colonialgeneral/Beverage-Manufacturing-Insurance/
Policy Highlights:
Colonial General Insurance Agency, Inc. offers a specialized Beverage Manufacturing Insurance program designed for agents and brokers seeking tailored coverage solutions for beverage manufacturers and processors. Whether your client is producing non-alcoholic beverages, craft sodas, or alcoholic drinks such as beer or spirits, this program provides flexible and comprehensive protection for a wide range of exposures in the beverage industry.
Ideal Accounts and Appetite
This program is ideal for small to mid-sized beverage manufacturers and processors operating in the western U.S. We consider accounts involved in:
Non-alcoholic beverage bottling (juices, soft drinks, flavored water, etc.)
Craft breweries or distilleries (subject to eligibility)
Private label beverage production
Specialty or organic beverage processing
We work with agents to evaluate specific classes and can help place both standard and more complex risks through our access to admitted and non-admitted markets.
Coverage Highlights and Advantages
Coverages are available on a monoline or package basis and can be customized to fit the insured’s operational needs. Key features include:
Commercial General Liability
Primary limits up to $3,000,000 Occurrence / Aggregate
Hired and Non-Owned Auto Liability
Liquor Liability (for applicable beverage producers)
$5,000 Medical Payments – included
Vendors as Additional Insureds
Limited Product Withdrawal Expense – $5,000 limit included
Excess or Umbrella Limits up to $25,000,000
Crime Coverage
Inside the Premises – Theft of Money and Securities
Robbery or Safe Burglary of Property Inside the Premises
Outside the Premises Coverage
Property Coverage
Building and Business Personal Property
Business Income and Extra Expense
Computer Equipment and Valuable Papers
Accounts Receivable
Equipment Breakdown
Food Spoilage – $5,000 limit included (higher limits available)
Replacement Cost or Actual Cash Value
Outside Signs
Basic, Broad, or Special Form options
Underwriting Notes and Minimum Premiums
Colonial General’s underwriting team evaluates each submission on a case-by-case basis. While no specific minimum premium is listed, competitive pricing is available depending on risk characteristics, coverage needs, and market availability. Liquor liability, product withdrawal expense, and spoilage coverage offer built-in value for beverage production accounts.
Territories and Availability
This Beverage Manufacturing Insurance program is available in the following states:
Arizona (AZ)
California (CA)
Colorado (CO)
Idaho (ID)
Nevada (NV)
New Mexico (NM)
Utah (UT)
Wyoming (WY)
We offer access to both admitted and non-admitted markets depending on the risk and jurisdiction.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche middle-market commercial lines. We are committed to helping independent agents find the right fit for their beverage manufacturing clients—even those with unique or challenging exposures. With access to a variety of carriers and flexible underwriting, we work closely with agents to deliver timely quotes and comprehensive solutions.
Whether your client is launching a new beverage line or expanding production, Colonial General is ready to help you place and service these accounts with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is designed for beverage manufacturers and processors, including soda bottlers, juice companies, and select alcoholic beverage producers such as craft breweries and distilleries.
Is Liquor Liability included in the coverage?Yes, Liquor Liability coverage is available for eligible accounts that manufacture or distribute alcoholic beverages.
Can I submit a monoline General Liability or Property policy?Yes, both monoline and package policies are available depending on the insured’s needs and underwriting criteria.
What states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are additional insured endorsements available for vendors?Yes, vendors can be added as additional insureds under the General Liability coverage.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/colonialgeneral/Truckers-Insurance/
Policy Highlights for Truckers Insurance:
Colonial General Insurance Agency, Inc. offers a Truckers Insurance program tailored for trucking operations and express delivery companies. Whether your client runs a single truck or a multi-vehicle fleet, with or without warehouse exposure, Colonial General can place coverage as a monoline or as part of a package to meet transportation and property needs.
Ideal Accounts and Appetite
This program is best for independent owner-operators, small to mid-sized fleet owners, and regional express delivery businesses. Colonial General will consider accounts with associated warehousing, refrigerated transport, and mixed cargo types. The program is especially useful for risks that do not cleanly fit standard market appetites or that need specialized liability, property, or warehouse legal liability terms.
You might have a client who operates a regional express shipping company with a small warehouse in Utah, or an owner of refrigerated trucks servicing the Southwest — both are strong candidates for placement through this program.
Coverage Highlights and Advantages
Commercial General Liability Coverage available for truckers insurance:
• Primary limits up to $3,000,000 per occurrence and aggregate
• $5,000 Medical Payments Coverage — included
• Additional Interests — $100 each
• Excess or Umbrella limits available up to $25,000,000
Crime Coverage available:
• Inside the Premises — Theft of Money and Securities
• Inside the Premises — Robbery or Safe Burglary of Other Property
• Outside the Premises
Property Coverage available:
• Accounts Receivable
• Basic, Broad, or Special Forms
• Building and Contents
• Business Income and Equipment Breakdown
• Computer Equipment and Food Spoilage
• Outside Signs
• Replacement Cost or ACV valuation
• Valuable Papers
• Warehouse Legal Liability — up to $50,000
Underwriting Notes
Colonial General places Truckers Insurance on admitted or non-admitted paper depending on the carrier appetite and state. The MGA works with multiple carriers to provide flexible underwriting and placement options. Minimum premiums and specific terms vary by market and risk characteristics; discuss details with a Colonial General market specialist when submitting.
Territories and Availability
This Truckers Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General’s regional underwriting expertise in these Western states helps when placing accounts with localized exposures or state-specific requirements.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General has targeted experience placing transportation and warehouse-related risks. Agents benefit from: access to multiple carriers, underwriting flexibility for non-standard accounts, and program terms that can include both liability and property solutions. If you have transportation business that’s hard to place in the admitted market, Colonial General is positioned to help find capacity and structure coverage.
Frequently Asked Questions
What types of accounts are a good fit for this Truckers Insurance program?This program is ideal for small to mid-sized trucking companies, independent owner-operators, express delivery firms, and accounts that include warehousing or refrigerated transport exposures.
Can I submit risks with warehousing and refrigeration exposures?Yes. Colonial General will consider accounts with on-site warehousing and refrigerated transport, subject to details of operations, values, and loss-control measures.
Is this program available on an admitted basis?Some markets are available on an admitted basis while others may be placed non-admitted. Availability depends on the state, carrier, and risk profile.
Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What limits are available under the liability coverage?Primary general liability limits are available up to $3,000,000 per occurrence/aggregate, and excess or umbrella limits can be placed up to $25,000,000 depending on the carrier.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/colonialgeneral/Miniature-Golf-Course-Insurance/
Policy Highlights:
Colonial General Insurance Agency, Inc. offers a specialized Miniature Golf Course Insurance program designed to help agents place both public and private golf-related businesses. Whether your client operates a miniature golf course, an indoor/outdoor driving range, or a country club, this program provides flexible coverage options tailored to the unique risks of recreational golf facilities. Coverage is available on a monoline or package basis, offering robust protection for property and liability exposures.
Ideal Accounts and Appetite
This program is best suited for:
Standalone miniature golf courses
Family entertainment centers with mini-golf components
Indoor or outdoor driving ranges
Public and private golf courses or country clubs with mini-golf
Accounts with well-maintained premises, standard safety protocols, and minimal claims history are a strong fit. You may have a client who owns a seasonal mini-golf park in a tourist area or a year-round indoor course attached to a game center—both are ideal candidates for this program.
Coverage Highlights and Advantages
Commercial General Liability Coverage Includes:
Primary limits up to $3,000,000 occurrence and aggregate
Additional insureds—automatically included
Hired and non-owned auto liability
$5,000 medical payments coverage
Liquor liability—available for applicable risks
Excess/Umbrella limits up to $25,000,000
No deductible required
Property Coverage Options:
Building and contents
Business income and extra expense
Computer equipment and electronics
Contractor's equipment and inland marine coverage for golf carts
Damage to greens and tee boxes
Food spoilage and equipment breakdown
Sprinklers, valuable papers, and bailee’s coverage for pro shops
Available on replacement cost or ACV basis
Crime Coverage Features:
Inside the premises – theft of money and securities
Inside the premises – robbery or safe burglary of other property
Outside the premises – theft and robbery protection
Underwriting Notes and Minimum Premiums
Colonial General evaluates submissions on an individual basis, considering operations, location, and safety protocols. While a specific minimum premium is not provided, accounts should be commercially viable and meet standard underwriting criteria. No deductible is required on liability coverage, and optional excess limits are available for higher-risk exposures.
Territories and Availability
This Miniature Golf Course Insurance program is available to agents placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted markets are accessible depending on the state and risk profile.
Why Work With Colonial General Insurance Agency, Inc.?
As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in recreational property risks and access to a variety of markets. Their responsive underwriting team and broad appetite allow agents to confidently place niche golf facility accounts. With flexible coverage options and competitive limits, this program provides the protection your clients need and the service your agency can count on.
Frequently Asked Questions
What types of accounts are a good fit for this program?Miniature golf courses, family fun centers with golf attractions, and indoor/outdoor driving ranges are ideal. Public or private golf-related venues with clean loss history and good maintenance practices are preferred.
Is liquor liability available under this program?Yes, liquor liability can be included when applicable, depending on the operations and underwriting review.
Are both property and liability coverages available?Yes, coverage is available on a monoline or package basis, allowing flexibility based on your client’s needs.
Which states is this program available in?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Do all risks qualify for admitted markets?Not all risks will qualify for admitted markets. Colonial General offers both admitted and non-admitted options, depending on the risk and location.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/colonialgeneral/Water-Truck-Insurance/
Policy Highlights:
Colonial General Insurance Agency, Inc. offers targeted coverage solutions for water truck operations through its Water Truck Insurance program. This program is designed for both "for hire" and "not for hire" operations and pairs flexible liability limits with optional physical damage protection and territory choices to fit common contractor and municipal hauling exposures.
Overview of the Program From Colonial General
This program is underwritten and placed by Colonial General as a Managing General Agency and Excess & Surplus lines broker. It provides agents with access to multiple markets (carriers vary) and can be positioned as admitted in some states or placed non-admitted where necessary. The program focuses on water trucks used for dust control, construction compaction, landscaping, agricultural use, and municipal or utility support.
Coverage Highlights
For hire and not for hire operations accepted.
Liability limits up to $1,000,000 Combined Single Limit (CSL).
Physical damage coverage available with deductible choices typically ranging from $500 to $5,000.
Radius options available up to 500 miles to accommodate regional hauling operations.
Carrier availability varies by account and state — Colonial General uses multiple markets to place risk.
Ideal Accounts and Appetite
This program suits a range of small- to mid-sized commercial accounts that operate water trucks as their primary or supporting equipment. Typical good-fit classes include:
Construction contractors providing dust control and compaction services.
Aggregate and paving companies that use water trucks on- and off-site.
Municipal agencies or public works departments with municipal water truck fleets.
Landscape and irrigation contractors operating water-bearing trucks for dust suppression or watering jobs.
Accounts with professional, experienced drivers, documented maintenance programs, and moderate annual mileage are preferred. High-risk operations (e.g., longhaul interstate tanker operations, oilfield fluid hauling, or those with significant lapse in maintenance records) may be declined or submitted to specialized markets only.
Underwriting Notes and Submission Guidance
When preparing submissions, include the following to improve placement chances:
Current driver MVRs and company driving policy.
Vehicle schedule with year, make, model, GVW, and serial numbers.
Hours of operation, typical radius, and primary use of the water truck (dust control, hauling potable water, etc.).
Loss history for the past 3–5 years and details on any significant claims.
Details on safety, training, and maintenance programs.
If you are unsure about minimum premiums or any program thresholds, note that minimum premium levels and specific terms vary by carrier — please contact Colonial General to confirm current minimums and available deductibles for the target state.
Territories and Availability
Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Because admitted availability is limited in some states, Colonial General will place eligible accounts on admitted paper where markets permit and on E&S in other jurisdictions. Confirm admitted vs. non-admitted options on a per-submission basis.
Why Work With Colonial General on Water Truck Accounts
Specialized underwriting experience placing water truck and construction support fleets.
Access to multiple carriers and E&S capacity to find solutions for tougher risks.
Flexible liability limits and physical damage options that align with contractor needs.
Responsive submission review and underwriting guidance to help you prepare a complete file.
Example scenarios:
You have a local paving contractor running two water trucks for dust control and compaction within a 150-mile radius. This program can provide liability up to $1,000,000 CSL and physical damage with a deductible that fits the client’s budget.
A municipal public works department wants coverage for a small fleet of water trucks used seasonally. Colonial General can evaluate admitted options where available or place appropriate E&S coverage to meet the entity’s needs.
Next Steps for Agents
Prepare a complete submission with vehicle and driver details, loss history, and usage information. Colonial General underwriters will review for appetite and advise on admitted vs. non-admitted options and any available deductible choices. For current carrier availability and exact program terms, submit via your usual broker channel or contact Colonial General directly to discuss the account.
Frequently Asked Questions
What types of water truck operations are a good fit for this program?Construction contractors, paving and aggregate companies, municipal public works, and landscape contractors using water trucks for dust control, compaction, and similar local hauling tasks are typically a good fit. Longhaul tanker operations or oilfield fluid hauling are generally outside the appetite.
What liability and physical damage options are available?The program offers liability limits up to $1,000,000 CSL and physical damage with deductible options usually ranging from $500 to $5,000. Exact limits and deductibles depend on the carrier selected for the account.
Are admitted policies available?Some admitted markets are available depending on the state and account characteristics. Where admitted placement is not available, Colonial General can place coverage through Excess & Surplus lines markets. Confirm admitted availability on each submission.
What information should I include with a submission to speed placement?Provide vehicle schedules, driver MVRs, a clear description of operations and typical radius, maintenance and safety program details, and loss history for the last 3–5 years. Complete submissions result in faster and more competitive placement.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/colonialgeneral/Adoption-and-Foster-Placement-Insurance/
...t Liability
Property and Auto
Workers’ Compensation
Umbrella Liability
Coverage is ...