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... is proud to offer a specialized Wholesale Distributors Insurance program tail...s eligible?Yes, the program accepts wholesale distributors that have incidental retail com...

... • Floor Covering Retailers • Grocery Distributors • Paper Products Dist...electronics retailers, bakeries, and grocery or paper product distributors are all great fits. What are th...

...el, sporting goods, home goods) Grocery and convenience stores with limited delivery activity Small wholesale distributors operating from a singl... with limited deliveries, and small wholesale operators without in-house fleet...

Grocery Store Insurance Program from Colonia... of accounts are a good fit for this Grocery Store Insurance program?Small grocery and convenience stores under 3,00...

...al) • Homeowners and Townhouses • Grocery Distributors and Meat/Fish/Poultry F...k. Why Partner With MAXIMUM? As a wholesale broker focused on binding author...

...perates a small retail bakery, a wholesale baking plant, or a combination of b... insurance program?Retail bakeries, wholesale baking operations, commercial ba...

...to-place commercial risks. As a wholesale insurance broker, our team values s..., vacant buildings, manufacturers/distributors with product exposures, and lay...

...ng on the carrier and account. Wholesale placement: First Choice acts as a wholesale broker, providing access to admitte..., restaurants, light manufacturers, wholesalers, garages and professional offi...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Dry Goods or Produce Hauling Insurance program tailored for commercial trucking operations that transport perishable food items. This program is designed to meet the unique challenges faced by produce haulers, including refrigeration risks and cargo spoilage. With a deep understanding of the industry and access to competitive markets, Colonial General provides agents with effective solutions to help protect clients hauling dry goods, fruits, vegetables, and other temperature-sensitive commodities. Produce haulers represent a substantial portion of the commercial trucking sector, delivering essential food supplies across the country. These operations require coverage that goes beyond standard cargo policies. Colonial General’s program includes enhanced protection for refrigerated trucks and offers flexibility for a wide range of hauling distances and cargo types. Ideal Accounts and Appetite This program is a strong fit for independent truckers and small to mid-sized fleets specializing in the transportation of perishable goods and dry produce. Ideal risks include: Refrigerated trucking operations hauling fruits, vegetables, dairy, or other temperature-sensitive items Dry goods haulers operating regionally or nationally Owner-operators and fleet managers with consistent routes and established safety protocols Accounts with long haul operations, mixed cargo types, or a history of claims may be considered, subject to underwriting. Coverage Highlights and Advantages Colonial General’s Dry Goods or Produce Hauling Insurance program offers comprehensive cargo protection with optional endorsements to suit specialized needs: Unlimited radius on all mono-line cargo policies Excess cargo limits up to $750,000 available over primary cargo policies Primary cargo coverage with limits up to $100,000 Refrigeration breakdown coverage included, with a $2,500 deductible This coverage is ideal for agents whose clients face exposure to spoilage, temperature fluctuations, or loss due to equipment failure during transit. Underwriting Notes and Minimum Premiums Colonial General underwrites through a variety of carriers, allowing for flexible solutions across a broad range of risk profiles. While minimum premium requirements vary, the program is designed to be accessible to both independent operators and fleet accounts. Underwriting will consider the type of cargo, age and maintenance of equipment, driving history, and safety protocols in place. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are available on an admitted basis, while others may be placed in the excess and surplus lines market, depending on the account specifics and state of operation. Why Work With Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with extensive experience in transportation-related risks. Their expertise in the produce hauling sector allows agents to offer tailored solutions that address the specific exposures of perishable cargo transport. With access to specialized markets and a focus on responsive underwriting, Colonial General helps agents secure reliable coverage for a challenging and essential line of business. Whether your client is an independent hauler transporting citrus from California to neighboring states or a regional produce distributor with a small fleet, Colonial General can provide the coverage solutions and support you need to place the account confidently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for commercial truckers who haul dry goods or perishable produce, including owner-operators and small to mid-sized fleets using refrigerated trucks. Is refrigeration breakdown coverage included in the policy?Yes, refrigeration breakdown coverage is included with a $2,500 deductible, helping protect against spoilage due to equipment failure. Are there any radius limitations for cargo policies?No, all mono-line cargo policies in this program offer unlimited radius, providing flexibility for long-haul operations. Can this program provide excess cargo coverage?Yes, Colonial General has a market that can write excess coverage over primary cargo policies for limits up to $750,000. In which states is this program available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...efrigerated warehouses and out to grocery distributors Coverage Highlight...anufacturers, importers, exporters, wholesalers, and distributors with goods in transit and in st...