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Policy Highlights: As a lunch wagon or food truck owner, your vehic...ates is this program available in?The Lunch Wagon Insurance program is availab...

... company running refrigerated box trucks across several neighboring states. ...ns a small fleet of refrigerated box trucks across three neighboring states or...

Policy Highlights for Local Trucking Insurance: Colonial General Insurance Agency, Inc. offers a Local and Intermediate Trucking Insurance program to help you place coverage for trucking clients operating within a 500-mile radius. Whether the account is for-hire or a private fleet, this program provides flexible, targeted solutions to mitigate common on-road and cargo exposures for local haulers. Ideal Accounts and Appetite This program targets small to mid-sized local and intermediate trucking operations, both for-hire and not-for-hire. Typical classes include general freight, refrigerated goods, and light construction materials. Good fits are short-haul delivery companies, regional freight carriers, and logistics providers focused on local supply chains. We can write single-unit operators and small fleets. Preferred accounts have clean loss histories, strong driver hiring and safety programs, and operations confined to the approved radius. This program is not intended for long-haul interstate trucking, hazardous materials carriers, or heavy specialized equipment transport. Example scenarios agents often place here: A regional refrigerated produce hauler operating entirely within a 300–400 mile radius with routine refrigerated-breakdown exposures. A short-haul delivery company moving general freight and light construction materials with one to five power units and documented safety policies. Coverage Highlights and Advantages Liability limits up to $1,000,000 Combined Single Limit (CSL). Physical damage with deductible options from $500 to $5,000. Motor truck cargo coverage included, with limits up to $100,000. Refrigerator breakdown coverage built into cargo protection where applicable. Radius of operation covered up to 500 miles. Package policy options available to consolidate liability, physical damage and cargo coverages for streamlined placement. These features make the program well suited to cover the most common risks for local haulers — liability exposures, vehicle damage, and cargo loss or spoilage — while allowing flexibility on deductibles and cargo limits to meet client needs. Underwriting Notes and Minimum Premiums Underwriting reviews focus on driving records, vehicle types, cargo hauled, radius of operation, and documented safety controls. Deductible flexibility and adjustable cargo limits help you balance price and protection. Submit complete loss runs and driver abstracts to speed decisioning. Please contact Colonial General for full underwriting guidelines, minimum premium thresholds, and specific documentation requirements. Our underwriting team aims for timely responses to help you place or bind accounts quickly. Territories and Availability This Local Trucking Insurance program is available in: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets are available in some states; Colonial General also places business with non-admitted carriers when required to meet an account’s needs. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General specializes in transportation risks and maintains relationships with multiple carriers to give you options for localized trucking operations. Our underwriting expertise in regional trucking exposures and responsive service helps you match your clients with competitive, tailored solutions. Bring Colonial General accounts that need: flexible cargo limits (including refrigerated breakdown), competitive liability and physical damage terms, or placement in admitted and non-admitted markets where appropriate. We can support new ventures and established operations seeking to expand or adjust coverage. Frequently Asked Questions What types of accounts are a good fit for this Local Trucking Insurance program?Ideal accounts are for-hire or not-for-hire local and regional trucking companies operating within a 500-mile radius — for example, general freight haulers, refrigerated carriers, and short-haul delivery operators. What is the maximum liability limit offered under this program?Liability coverage is available up to $1,000,000 Combined Single Limit (CSL). Is refrigerator breakdown coverage included in cargo insurance?Yes. Cargo coverage can include refrigerator breakdown protection where applicable, and cargo limits are available up to $100,000. Are both single-unit operators and small fleets eligible?Yes. The program accommodates single units and small fleets depending on underwriting criteria such as safety protocols and loss history. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY, with admitted options in some states and non-admitted placement when necessary. Need help placing an account? Connect with a market specialist.

...epair shops specializing in heavy trucks, trailers and heavy equipment. Mobi...avy truck dealership that sells used trucks and operates an on-site repair bay...

..., 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 ...

...sent a small fleet of two to four trucks that travel up to 300 miles for festi...

...anced protection for refrigerated trucks and offers flexibility for a wide ran... mid-sized fleets using refrigerated trucks. Is refrigeration breakdown covera...

...rs operating light to medium-duty trucks and delivering goods within a 500-mil...

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.

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