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..., 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 ...

At Insurance Program Managers Group (IPMG), we offer a focused Trucking Workers' Compensation Insurance program to help agents and brokers place long- and short-haul trucking accounts. With access to A-rated carriers and fast turnaround on complete submissions, IPMG delivers workers' comp solutions tailored to the driver and fleet exposures common in transportation—across a broad set of states and multistate operations. Ideal Accounts and Appetite This program fits transportation risks for both long-haul and short-haul fleets. We place independent owner-operators, small to mid-sized fleets, and regional carriers—including accounts with higher experience modification ratings or difficult loss histories. We also handle mixed fleets (owned and leased vehicles) and operations with multistate payrolls and exposures. You might have a client who recently expanded into interstate routes or one whose mod rose after prior claims—IPMG can help you find markets for those tougher-to-place accounts. Coverage Highlights and Advantages Workers' compensation coverage tailored for trucking, addressing driver-specific exposures and classifications Markets that will consider accounts with elevated experience mods Same-day quoting available when you submit a complete package Access to A-rated carriers experienced in transportation and trucking risks Underwriting Notes and Submission Requirements To provide a quick and accurate quote, a complete submission should include: ACORD application with a clear description of operations and driver duties 3–4 years of currently valued loss runs Current experience modification rating (if available) Minimum premium begins at $5,000, which makes the program practical for a range of fleet sizes. Territories and Availability IPMG can write Trucking Workers' Compensation in the following states: AL, AK, AZ, AR, CT, FL, HI, ID, IL, IN, IA, KS, LA, MD, MA, MS, MO, NE, NV, NM, NY, NC, OK, PA, RI, SC, TN, TX, UT, VA, DC, WV, and WI. Our broad geographic footprint supports placement of multistate trucking operations. Why Work With IPMG? IPMG is a program administrator with deep experience in niche markets such as trucking. We focus on efficient underwriting, responsive service, and access to competitive A-rated markets. Our team works with agents to place accounts that may not fit standard underwriting boxes, helping you secure coverage for clients with complicated exposures. Visit our Trucking Insurance program page to learn more or view our full company profile here. Frequently Asked Questions What types of accounts are a good fit for this program?We’re a strong fit for both long-haul and short-haul trucking operations, including fleets with higher experience modifications or challenging loss histories. What is the minimum premium for this program?The minimum premium starts at $5,000, making the program suitable for small to mid-sized trucking operations. What information is needed to get a quote?Provide an ACORD application with operations detail, 3–4 years of currently valued loss runs, and the current experience mod rating if available. Are same-day quotes available?Yes — IPMG offers same-day quotes when you submit a complete package. In which states is the program available?The program is available in more than 30 states, including TX, FL, IL, and NY, among others listed above. Need help placing an account? Connect with a market specialist.

... to 500 miles (state-dependent) Garbage haulers and waste disposal services ...or fleets. Public livery, buses, tow trucks, and delivery fleets are also elig...

...ients operate banquet halls, food trucks, ice cream trucks, or provide on-site catering for wedd... ideal for catering businesses, food trucks, ice cream trucks, and event venues providing food s...

...Utah, or an owner of refrigerated trucks servicing the Southwest — both are st...

Frozen food and produce haulers face a distinct set of risks — refrigeration system failures, temperature excursions, spoilage, transit delays, and the resulting business interruption and liability exposures. Colonial General Insurance Agency, Inc. offers a focused Frozen Foods or Produce Insurance program designed for commercial truckers who transport perishable frozen goods such as fruits, vegetables, dairy and other temperature-sensitive food products. Through Colonial General’s transportation and refrigerated-cargo expertise, agents and brokers get access to tailored cargo solutions that help protect their clients’ livelihoods and reduce exposure to costly loss events. The program is aimed at real-world refrigerated operations and balances flexible coverage options with underwriting discipline to keep accounts sustainable over the long term. Ideal Accounts and Appetite This program is intended for commercial trucking operations that regularly move frozen produce and other perishable food items in refrigerated trailers. Typical fits include: Independent refrigerated owner-operators and small fleets running scheduled frozen-food routes Regional or long-haul refrigerated carriers serving grocery chains, food distributors, wholesalers, or cold storage facilities Fleets with consistent temperature-control protocols and documented maintenance programs Accounts with routine spoilage expectations due to perishability can be considered when the operator demonstrates strong equipment maintenance and loss-control practices. Colonial General will review exposures for route length, commodity mix, refrigeration equipment type (reefer units vs. multi-temp trailers), and loss history when evaluating appetite. Coverage Highlights and Advantages Colonial General offers flexible cargo solutions designed for refrigerated haulers: Unlimited radius available on mono-line cargo policies — suitable for long-haul operations Excess over primary cargo capacity — limits available up to $750,000 Standard cargo limits up to $100,000, inclusive of refrigerator breakdown protection Refrigeration breakdown protection available (standard $2,500 deductible) These coverages address common refrigerated exposures including temperature control failure, vehicle accidents that damage cargo, and delays that can lead to spoilage and financial loss. Underwriting Notes and Minimum Premiums Colonial General works with multiple admitted and excess & surplus markets to place refrigerated cargo risks. Submissions should include: Detailed description of hauling operations and typical routes List of commodities hauled and shipment values Refrigeration equipment details, maintenance schedules and service records Loss history and any preventive controls (GPS, temperature monitoring, trailer seals) Underwriting flexibility is available for well-managed accounts that demonstrate strong controls and disciplined maintenance. Minimum premium requirements vary by carrier and risk profile — contact Colonial General for target minimums and specific underwriting guidelines. Territories and Availability This program has a regional focus and is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General combines regional market knowledge with access to broader excess capacity when needed. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. provides agents and brokers access to specialized underwriting for refrigerated cargo risks and markets that general carriers may not write. Colonial General’s strengths include: Dedicated transportation and refrigerated-cargo underwriting expertise Access to admitted and E&S placements to fit a range of account characteristics Responsive service and market placement support for complex or higher-limit accounts Example fits: You might have an owner-operator running weekly frozen produce runs between states who needs reliable refrigerator breakdown protection and unlimited radius cargo coverage. Or you could place a small regional fleet that supplies grocery distribution centers and requires higher excess limits over their primary cargo policy. Frequently Asked Questions What types of accounts are a good fit for this Frozen Foods or Produce Insurance program?Accounts that consistently haul frozen fruits, vegetables, dairy, or other perishable foods using refrigerated trailers are ideal. Both small fleets and owner-operators with regular routes are welcome. Is refrigeration breakdown coverage included automatically?Yes — refrigerator breakdown protection is included with cargo limits up to $100,000, subject to a $2,500 deductible. Can this program handle long-haul trucking operations?Yes. The program offers unlimited radius on mono-line cargo policies, making it suitable for long-haul and regional carriers. What are the cargo limit options?Standard cargo limits are available up to $100,000, with the option to provide excess over primary cargo coverage up to $750,000. Which states is this program available in?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...transportation services) Dump trucks and aggregate haulers Contractor ... program?IPMG fits public auto, dump trucks and aggregate haulers, contractor ...

Policy Highlights: Whether your client needs coverage for a boat, trailer, or vehicle used in transport, Colonial General Insurance Agency, Inc. offers tailored Trailer Transport Insurance solutions. This program addresses the exposures faced by operators hauling cargo with trailers of all types. As a regional Managing General Agency and Excess & Surplus lines broker, Colonial General provides flexible access to specialty carriers and competitive markets across the Western U.S. Overview of the Program From Colonial General Colonial General’s Trailer Transport Insurance program is focused on transportation risks that arise when cargo is moved using trailers. We write business for independent operators and small fleets and can structure mono-line cargo placements or layered solutions with excess cargo protection. Our market relationships allow us to accommodate a range of cargo types and values while providing underwriting flexibility agents need to place non-standard or higher-value exposures. Ideal Accounts and Appetite This program is a strong fit for agents submitting: Independent transport operators using trailers to haul general freight Small to mid-sized logistics companies with dedicated trailer operations Refrigerated haulers and perishable-goods transports requiring refrigerator breakdown coverage Operators of boat and vehicle trailers or specialty-hauling operations Accounts needing mono-line cargo with no mileage restrictions or excess cargo limits Colonial General can also consider unique or higher-value cargo needs, subject to underwriting review. Accounts that are outside typical trucking program classes but have clear risk controls are often placeable through this offering. Coverage Highlights and Advantages Key features of the Trailer Transport Insurance program include: Unlimited radius on all mono-line cargo policies — suitable for long-haul operators Excess cargo coverage available over primary cargo policies for up to $750,000 Cargo limits up to $100,000, with refrigerator breakdown coverage where needed Loading and unloading exposures covered automatically in the premium These features help manage common transit exposures such as damage in transit, spoilage for refrigerated loads, and gaps between primary and higher-limit needs. Underwriting Notes and Minimum Premiums Underwriting is handled with flexibility and attention to operational detail. Colonial General evaluates accounts on cargo type, routing, handling practices, equipment condition, and loss history. We have access to both admitted and non-admitted markets depending on the state and the risk profile. Minimum premiums vary by market and carrier; submit full operational details for an accurate indication. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? Colonial General combines regional transportation expertise with market access suited to hard-to-place trailer transport risks. Our underwriters are responsive and experienced in structuring both basic mono-line cargo policies and layered excess placements. We work with specialty carriers that can address refrigerated loads, high-value shipments, and accounts that need broad geographic radius without mileage limits. Example placements you might bring to this program include a small carrier hauling refrigerated produce across multiple Western states that needs refrigerator breakdown coverage and higher cargo limits, or a recreational-boat transport operator who requires mono-line cargo protection for trailers and occasional high-value loads. Provide clear operational details and loss history to help us match the right market. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include independent cargo haulers, small transport fleets, and trailer operators moving general, refrigerated, or specialty goods. Is there a mileage restriction on cargo coverage?No. All mono-line cargo policies offer unlimited radius, making this program suitable for long-haul operations. Can this program cover refrigerated goods?Yes. Cargo limits up to $100,000 are available with refrigerator breakdown coverage included where applicable. Are excess cargo limits available?Yes. Colonial General can access markets that write excess over primary cargo for up to $750,000. 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.

...er $1M in receipts, company-owned trucks, and a modest tool inventory — potent...