https://completemarkets.com/company/norman-spencer/Auto-Insurance/
https://completemarkets.com/company/colonialgeneral/Towing-Services-Insurance/
Colonial General Insurance Agency, Inc. offers a specialized Towing Services Insurance program to help appointed agents place coverage for clients that operate tow trucks and related services. With deep expertise in garage and towing risks, Colonial General partners with agents to tailor commercial garage solutions that address exposures on the road and on the premises.
Ideal Accounts and Appetite
This program is designed for tow truck operators who tow for hire and for garage operations that need commercial garage coverage. Colonial General prefers accounts that meet the following basic criteria:
Operators with a minimum of 2 years of driving experience
Businesses engaged in towing for hire (not repossession work)
Garage-related operations seeking comprehensive commercial garage policies
Accounts with clean or otherwise manageable loss histories
Note: Repossession businesses and operators engaged in repossession activities are not eligible for this program.
Coverage Highlights and Advantages
Colonial General’s Towing Services Insurance program provides a range of commercial garage coverages to address common and complex towing exposures:
Garage Liability: Limits up to $1,000,000 per accident
Liability Aggregate: Up to $3,000,000
Garage Keepers: Provided on a primary basis with specified causes of loss
In-Transit Coverage: Available on a legal liability basis
Dealers Physical Damage and Broadened Coverages
False Pretense and Fire Legal Liability
Medical Payments: $5,000
Property Coverage: Available for garage premises and business property
All in-transit limits per vehicle must be equal to or lower than the garage keepers limit, per underwriting rules.
Underwriting Notes and Minimum Premiums
Colonial General leverages admitted and non-admitted markets to give agents flexibility when placing towing risks. Underwriting focuses on driver experience, the insured’s operational history, vehicle schedules, and loss activity. While minimum premium levels are not published, policies must meet the program’s underwriting criteria to bind coverage.
Territories and Availability
This towing insurance program is available in the Western U.S. states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General’s regional focus helps address state-specific exposures and costs common to towing operations in these states.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines niche underwriting expertise with access to multiple markets. Agents benefit from a responsive underwriting team able to place standard and non-standard garage and towing risks, including accounts with complex exposures that require tailored wording or non-admitted capacity. Their Western regional focus and experience with commercial garage classes make them a practical partner for agents placing tow-for-hire accounts.
Frequently Asked Questions
What types of accounts are a good fit for this towing insurance program?Tow truck operators who tow for hire, have at least two years of driving experience, and operate standalone towing businesses or garage shops are the best fit. Repossession businesses are excluded.
Is Garage Keepers coverage provided on a primary or excess basis?Garage Keepers coverage is offered on a primary basis with specified causes of loss to protect customer vehicles while in the insured’s care.
What states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Can I get coverage for in-transit towing exposures?Yes. In-transit coverage is available on a legal liability basis, subject to underwriting and alignment with the garage keepers limit.
What makes Colonial General a strong partner for towing risks?Colonial General offers specialized garage underwriting, access to admitted and surplus markets, and hands-on support for agents placing towing and commercial garage accounts in the Western U.S.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/Amwinsunderwriting/Business-Auto-Insurance/
Business Auto Insurance Coverage for a Wide Range of Classes
Overview of the Program from Amwins Underwriting
Amwins National Transportation Underwriters (part of the Amwins Underwriting Division) offers a targeted Business Auto Insurance program for both for-hire and not-for-hire operations. Our underwriting team focuses on trucking and transportation exposures and works with a panel of financially sound carriers to deliver practical, market-aware solutions for commercial auto risks.
Ideal Accounts and Appetite
The program has a broad appetite across many transportation-related classes. Typical accounts that fit well include:
Armored cars
Building material haulers
Contractors (vehicle fleets supporting trades)
Courier and distribution services (magazines, newspapers, wholesale/retail delivery)
Cranes & boom trucks
Dairies, food delivery and food trucks
Driver training — auto, truck & tractor
Escort vehicles and mobile offices
Funeral operations
Farmer vehicles
Waste disposal (note: no landfill exposure)
Classes not listed may still be considered on a case-by-case basis; reach out with details to confirm appetite.
Coverage Highlights and Advantages
Primary commercial auto liability and physical damage options tailored to trucking and specialty vehicle fleets.
Available extensions commonly used by transportation accounts: hired/non-owned auto, trailer interchange, cargo coverage where appropriate, and medical payments/UM/UIM as allowed by the market.
Access to multiple underwriting teams and carrier relationships through Amwins’ transportation platform, improving chances to place complex or specialty risks.
Underwriters experienced in occupational and operational exposures typical to delivery, contractor, and fleet operations.
Example Accounts
A regional courier fleet with mixed package delivery vehicles and hired drivers that needs liability plus hired/non-owned auto protection.
A contractor with building material haulers and several jobsite trucks seeking combined liability and physical damage coverage with flexible limits and deductible options.
Underwriting Notes and Documentation
Underwriting considers fleet composition, vehicle types, driver qualifications, loss history, and territory of operations.
Common submission items: current loss runs, schedule of vehicles, driver lists/MVRs, and a description of operations and controls (especially for driver training or armored operations).
Waste disposal accounts are evaluated only where there is no landfill exposure (as noted in appetite).
Territories and Availability
The program is available in most states. Current availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage form and admitted/non-admitted market placement may vary by state and by carrier.
Why Place Business with Amwins Underwriting
Specialized transportation underwriting expertise within a large wholesale platform.
Relationships with multiple financially sound carriers to match coverage to account complexity.
Practical placement approach for both standard and harder-to-place classes within the transportation and specialty fleet space.
If you have a submission that fits the classes above — from single-vehicle food trucks to multi-unit contractor fleets — submit details and supporting documents so our underwriters can assess available options and provide a timely response.
Frequently Asked Questions
What types of accounts are a good fit for this Business Auto program?Accounts in trucking, delivery, contractor fleets, couriers, food trucks, driver training, cranes/boom trucks, armored cars, and similar specialty fleet operations are all typical fits. Waste disposal accounts are considered only when there is no landfill exposure.
What submission information should I provide to get a quick decision?Include a current vehicle schedule, driver roster with MVRs or summary driver qualifications, three to five years of loss runs, a description of operations (routes, radius, cargo types), and any risk control measures in place. More complex accounts may need additional documentation.
Is this program admitted or non-admitted?The program is underwritten with various financially sound carriers and may place business on either an admitted or non-admitted basis depending on the carrier and the state. Availability and form will depend on the account and jurisdiction.
Are cargo and hired/non-owned coverages available?Yes — cargo and hired/non-owned auto coverages are commonly available through the panel, subject to carrier appetite, the cargo type, and specific underwriting review.
How do I confirm state availability for a specific account?State availability can vary by carrier. Submit the account details and state(s) of operation and our underwriting team will confirm whether placement is possible in the required jurisdictions.
Need help placing an account? Connect with a market specialist.