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Overview — Scrap Metal Transport Insurance from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a targeted program for agents who place scrap metal transportation accounts. This program is designed for businesses that haul non-hazardous scrap and recyclable metal material, from single-truck owner-operators to small fleet operators. Coverage is available through admitted carriers in some markets and via excess & surplus lines placement where needed. Ideal Accounts and Appetite This program fits accounts that: Transport ferrous and non-ferrous scrap (scrap metal, scrap steel, aluminum, copper, etc.) that is not classified as hazardous waste. Operate for-hire or private/non-for-hire hauling operations. Run local or regional routes—typical radius options extend up to 500 miles. Have clean to moderate loss histories and reasonably maintained vehicles. Generally not a fit: operators hauling hazardous waste, commodities requiring special endorsements, or accounts with chronic, severe loss frequency unless prior mitigation is documented. Specific underwriting decisions vary by carrier. Coverage Highlights and Advantages Package policies available with cargo coverage—cargo limits up to $100,000. Liability coverage available up to $1,000,000 CSL. Physical damage coverage offered with deductible options from $500 to $5,000. State and regulatory filings handled as part of placement where required. Radius options configurable up to 500 miles to match account operations. Admitted capacity in some states; E&S solutions available where necessary. Underwriting Notes When submitting, underwriters typically want: Vehicle schedule (year, make, model, VIN) and vehicle values for physical damage consideration. Schedule of operations: types of scrap hauled, typical routes, radius, and whether hauling is for-hire or private. Loss runs (preferably 3 years) and MVRs for drivers. Details on loading/unloading procedures and any risk controls in place (securement, tarping, GPS, driver training). Minimum premium requirements and final terms depend on territory, fleet size, and carrier selection. Colonial General works with a variety of markets to match pricing and coverage to the account profile. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available; where admitted capacity is not offered, placements will be handled as excess & surplus lines. Carriers vary by state and underwriting appetite. Why Work With Colonial General Insurance Agency, Inc.? Specialized focus on scrap metal transport exposures — underwriting and placement tailored to this niche. Flexible solutions including admitted and E&S options to increase bindability across the Western states listed above. Ability to provide cargo and physical damage limits and deductible choices that suit small fleets and owner-operators. Responsive underwriting and state filing support to help close accounts that require regulatory compliance. Example accounts that are a good fit - A two-truck, for-hire hauler that moves mixed scrap metal regionally within a 300-mile radius, seeking cargo limits and $1,000,000 liability. - A single-owner operator who picks up non-ferrous scrap for local recyclers and needs physical damage coverage with a $1,000 deductible and regulated filings handled. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Scrap Metal Transport program?Accounts that haul non-hazardous scrap and recyclable metals—owner-operators to small fleets—operation within a regional radius (up to 500 miles) with reasonable loss histories are ideal. Is cargo coverage included and what limits are available?Yes. Package policies can include cargo coverage with limits available up to $100,000. Specific limit availability depends on the carrier and account details. Are admitted policies available or is this program E&S only?Some admitted markets are available in select states. Where admitted capacity is not offered, Colonial General places coverage through excess & surplus lines markets. Availability varies by state and carrier. What deductible options exist for physical damage?Physical damage deductible options generally range from $500 to $5,000. Final deductible choices depend on vehicle values, account risk characteristics, and carrier guidelines. What documents should I include with a submission?Include a vehicle schedule, description of operations (commodities hauled and radius), recent loss runs, and driver MVRs. Additional information on loading/unloading procedures and risk controls will help underwriting. Need help placing an account? Connect with a market specialist.