https://completemarkets.com/company/amerspec/High-School-Athletic-Associations/
High School Athletic Associations Insurance Program
High school athletic associations set standards for safety, competition and fairness across scholastic sports. American Specialty Insurance & Risk Services offers a tailored insurance program for these organizations — combining admitted capacity, program-specific forms, and underwriting expertise to help agents place complex scholastic-athletics risks.
Ideal Accounts and Eligible Operations
This program is written for organizations and events governed by high school athletic associations. Typical, eligible operations include:
State and regional athletic associations
Seasonal and statewide tournaments
Fundraisers, banquets and all-star games
Scholastic competitions and intramural programs
School clubs and coach/official activities
Owned or managed stadiums, arenas, and event venues
If you represent a state association, an event organizer, or a school district that runs multi-day tournaments, this program is designed to match those exposures.
Coverage Highlights and Advantages
American Specialty provides access to admitted coverage in all available states through carriers rated “Excellent” or higher by A.M. Best. Core program advantages for agents include:
Admitted coverage in all 50 states + DC — simplifies placement and compliance
Program-specific forms and rating built for scholastic athletics
Non-auditable policy options for easier administration
24-hour claims service and dedicated, in-house claims team
Underwriting and risk management support targeted to sports exposures
Optional coverages to match common exposures (see list below)
These features help reduce friction at bind and renewal, and provide consistent handling for seasonally heavy exposures.
Program Coverages
Available coverages and extensions include:
General Liability
Participant Legal Liability
Volunteers named as Additional Insureds
Sexual Abuse and Molestation
Excess / Umbrella Liability
Liquor Liability for events and fundraisers
Automobile Liability
Property and Inland Marine for owned/leased venues
Crime Coverage
Employee Benefits Liability
Participant Accident Medical and Catastrophic Medical
Workers’ Compensation (where available)
Deductible / SIR options to suit different risk tolerances
Underwriting Notes and Minimum Premiums
Programs are underwritten in-house by American Specialty’s sports and recreation team, enabling fast turnarounds and case-specific terms. Minimum premiums vary by account size, operations, and limits; discuss specifics with underwriting for accurate indications.
Common underwriting considerations include:
Scope and frequency of events (single event vs. ongoing season)
Venue ownership and maintenance practices
Use of volunteers and officials, background screening procedures
Medical and emergency response plans
History of sexual abuse/molestation or participant claims
Territories and Availability
This program is available on an admitted basis in all 50 states and the District of Columbia, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.
Why Work With American Specialty Insurance & Risk Services
As a Managing General Underwriter focused on sports and recreation, American Specialty combines deep underwriting expertise with in-house claims, risk management, and policy administration. That centralized service model helps agents place accounts faster and manage renewals more predictably.
You might use this program when:
You have a state association that needs admitted GL and participant liability limits for a full season of events.
One of your school district clients runs a regional tournament at an owned stadium and needs property, auto and liquor liability packaged together.
For complex schedules, multi-state tournaments, or associations that host high-exposure events, American Specialty offers tailored terms and collaborative underwriting to help close the business.
Frequently Asked Questions
What types of accounts are a good fit for this program?State high school athletic associations, event organizers, facilities that host scholastic sports, and school districts running tournaments are ideal candidates.
Is this program available in all states?Yes — American Specialty offers this program on an admitted basis in all 50 states and the District of Columbia.
What coverages can I package for an association?Common packages include general liability, participant accident medical, sexual abuse/molestation, property, crime, auto, excess/umbrella, and liquor liability for events.
Does American Specialty handle claims and endorsements in-house?Yes — underwriting, claims, and policy administration are managed in-house to provide faster, consistent service throughout the policy term.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/ipmg/tuition-refund-insurance/
...This program is built for private schools and public/private colleges that fac...od fit for this program?Private K-12 schools, independent boarding schools, colleges, and vocational institu...
https://completemarkets.com/company/roundstoneinsurance/Medical-Expense-Stop-Loss-Group-Captive/
Medical Expense Stop Loss Group Captive Program from Roundstone
Roundstone offers a Medical Expense Stop Loss Group Captive program designed for mid-size self-funded employers seeking cost control, transparency, and long-term financial benefits. This fully insured program is ideal for Taft-Hartley plans, single employer groups, school districts, and municipalities. With a required minimum of three years of self-funded claims history, your clients can access a structured, stable solution to better manage rising healthcare costs.
Ideal Accounts and Appetite
This group captive is best suited for entities with a strong commitment to managing healthcare spend and who have demonstrated stable claims performance. Target insureds include:
Taft-Hartley multi-employer plans
Municipalities and school districts
Mid-size to large single employer groups
Clients should have at least three years of self-funded history and an interest in long-term cost containment strategies. An ideal self-insured retention (SIR) falls between $50,000 and $300,000.
Coverage Highlights and Advantages
Roundstone’s Group Captive model empowers participants to take control of their healthcare spending. Key benefits include:
Continued payment of claims within a defined self-insured retention
Shared risk participation in a group captive layer
Stabilized premiums despite market cycles
Increased control over TPA services and vendor costs
Potential to earn back underwriting profits and investment returns
The program is structured to reward favorable loss experience, making it a strong fit for groups committed to wellness, engagement, and claims management.
Underwriting Notes and Minimum Premiums
Underwriting requires a minimum of three full years of self-funded claim data. The ideal SIR range is $50,000–$300,000. Pricing varies based on group size, claims experience, and program structure. Groups with healthy loss ratios and a proactive benefits strategy are more likely to benefit from this captive model.
Territories and Availability
This program is available in all 50 states plus Washington, DC. Coverage is written on an admitted basis, giving your clients added regulatory confidence and compliance ease.
Why Work with Roundstone?
Roundstone specializes in innovative captive solutions for mid-size employers. Their strong focus on transparency, cost efficiency, and long-term sustainability makes them a trusted partner for agents and brokers seeking alternative stop loss options for their clients. With a proven track record of returning savings to employers and supporting brokers with tailored support, Roundstone helps you deliver real value to your insureds.
Whether your client is a school district looking to stabilize healthcare budgets or a municipality ready to transition from fully insured to self-funded, Roundstone’s Group Captive program offers a compelling path forward.
Frequently Asked Questions
What types of accounts are a good fit for this program?Ideal accounts include Taft-Hartley plans, municipalities, school districts, and mid-sized single employer groups with stable self-funded history and a focus on wellness and cost control.
What is the required self-insured retention (SIR) range?The ideal SIR for this program ranges from $50,000 to $300,000, depending on group size and risk tolerance.
Can newly self-funded groups participate?No. Groups must have at least three years of self-funded claims experience to be eligible for this program.
How does the group captive layer work?Each participant retains responsibility for claims within their SIR. Claims above that threshold enter a shared captive layer where risk is pooled, allowing members to benefit from collective performance.
What are the benefits for brokers placing business with Roundstone?Brokers gain access to a proven captive model, competitive pricing, underwriting transparency, and the opportunity to help clients control costs while potentially earning back unused premium dollars.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/cochrane-and-company/residential-child-care-insurance/
Why do your clients need Residential Child Care Insurance?
A child suffers bodily injury while using playground equipment on your client’s premises
A parent files a false accusation of abuse or molestation against staff or volunteers
An employee accidentally spills hot liquid on a child, causing injury
A parent experiences emotional distress due to lack of proper permission for a field trip
Residential Child Care Insurance Program from Cochrane & Company
Cochrane & Company offers a targeted Residential Child Care Insurance program that helps agents place coverage for facilities and home-based operations that care for children. The program is underwritten for the unique liability and professional risks of residential child care—licensed or unlicensed—including operations that serve special needs children or run activities such as supervised swimming or keep pets on site.
Ideal Accounts and Appetite
This program is well suited for a variety of residential child care models, including:
Small in-home day care and residential group homes
Programs that accept drop-in or temporary placements
Providers with pets on the premises
Operations with access to public pools or shallow wading pools (up to 24" deep)
Care providers serving special needs children
Typical appetites include smaller, closely supervised operations and structured residential homes. Accounts with extensive commercial exposures, large congregate care facilities, or unmitigated high-hazard activities may require referral or alternative markets.
Coverage Highlights and Advantages
Professional Liability included automatically at the General Liability limit with no separate surcharge
No liability deductible for simpler claims handling
Child Molestation & Abuse Coverage up to $100,000 per occurrence / $300,000 aggregate, including off-premise incidents and corporal punishment
Defense Cost Reimbursement option to help facility owners and employees facing allegations
Medical Payments Coverage included automatically—covers enrolled children at no extra charge
Hired & Non-Owned Auto Liability available where needed
Expanded Bodily Injury Definition that can include sickness or disease resulting from emotional distress or mental anguish
Underwriting Notes and Minimum Premiums
Cochrane underwriters evaluate accounts with attention to supervision levels, staff hiring practices, building safety, and activity controls (pools, pets, transportation). Provide complete applications and loss histories for the fastest response. Minimum premiums and terms vary by account size, location, and specific exposures—submit full details so underwriters can tailor appropriate terms.
Territories and Availability
This program is available in: Arizona, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Utah, Washington, and Wyoming. Most accounts are written on an admitted basis where that option exists; non-admitted placement may be used when required by risk characteristics or state availability.
Why Work With Cochrane & Company?
As a specialized Managing General Agency, Cochrane & Company brings decades of niche underwriting experience in specialty programs. Agents benefit from underwriters who understand child care exposures, flexible appetite for varied residential models, and access to multiple carrier options. The program’s built-in professional liability, abuse coverage, and no-liability-deductible approach make placement straightforward for many smaller providers.
Example Accounts That Fit This Market
You have a licensed in-home provider who cares for mixed-age children, keeps a family dog on site, and occasionally takes kids to a nearby wading pool—this program can often provide GL, professional liability, and abuse coverage in a single package.
You work with a small residential group home that serves special needs children and provides supervised community outings; the program’s expanded bodily injury language and defense reimbursement option can address those exposures.
Need more details on binding or placing an account? Submit a complete application or connect with a market specialist for guidance on documentation and preferred submission formats.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Residential or home-based child care providers, including those with pets, wading pools, special needs children, or drop-in care models, are the primary focus for this program.
Is coverage available for abuse and molestation claims?
Yes. Child Molestation & Abuse coverage is offered up to $100,000 per occurrence and $300,000 aggregate, including off-premise incidents.
Are there any deductibles for liability coverage?
No—this program typically has no liability deductible, which simplifies claims handling for your insureds.
Which states is this program available in?
The program is offered in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY.
Does the program include Professional Liability?
Yes—Professional Liability is automatically included at the General Liability limit with no additional premium.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/kandkinsurance/Social-Club-Insurance/
https://completemarkets.com/company/colonialgeneral/Insurance-Agents-Errors-and-Omissions-Insurance/
Policy Highlights:
Colonial General Insurance Agency, Inc. offers a focused Errors & Omissions (E&O) insurance program specifically for insurance agents and brokers. With access to a range of A.M. Best A+ rated admitted and non-admitted carriers, Colonial General can help you place dependable professional liability coverage with competitive pricing and broad terms tailored to agency operations.
Ideal Accounts and Appetite
This program is designed for retail insurance agents and brokers in the western U.S. who need professional liability protection for their advisory and transactional work. Typical fits include agencies that:
Sell personal and commercial lines
Provide employee benefits counseling and enrollment services
Perform notary public duties or other related professional services
Are involved in mutual fund and annuity sales
Coverage is also available for independent contractors and temporary staff operating under an agency’s supervision. The program works well for solo practitioners and small agencies with clean loss histories as well as mid-sized agencies that have more specialized exposures.
Coverage Highlights and Advantages
Colonial General’s E&O policies include a range of features that help protect insureds from claims alleging professional errors, omissions, or negligent acts. Key advantages include:
Access to both admitted and non-admitted markets with A+ rated carriers
Coverage for independent contractors and temporary staff
Protection for mutual fund and annuity sales
Broad professional services definition that includes notary public, employee benefits counselor, and insurance agent/broker roles
Coverage for care, custody & control of clients’ records
Catastrophe extra expense reimbursement
Defense costs available both inside and outside the limits
Optional "First Dollar Defense" through select carriers
Limits of liability from $1 million to $5 million, including split-limit options
Low deductible options starting at $2,500
No property damage exclusion
Underwriting Notes and Minimum Premiums
Underwriting is submission-driven. Colonial General evaluates agency operations, product mix, staffing models (including use of independent producers), and loss history to match the account to the appropriate carrier and form. Minimum premiums start at $1,500, helping keep coverage accessible for smaller firms and solo practitioners. Clean risk histories, complete applications, and timely responses to underwriting questions will speed the quoting process.
Territories and Availability
This E&O program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General focuses on these western states and understands regional distribution models and regulatory nuances that affect placement.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines specialty commercial-lines expertise with direct access to quality admitted and non-admitted carriers. In-house underwriting and strong carrier relationships allow for flexible solutions, faster turnarounds, and hands-on support from submission through binding.
You might have a client who recently added annuity or mutual fund sales and needs E&O coverage that includes financial products — this program can address that exposure. Or you may represent a regional agency with producers operating in multiple western states that requires consistent coverage and reliable claims handling. Colonial General’s markets are structured to accommodate both scenarios.
Frequently Asked Questions
What types of accounts are a good fit for this E&O program?This program is ideal for retail insurance agencies and brokers offering personal and commercial lines, employee benefits counseling, and financial products such as annuities or mutual funds.
Is coverage available for independent contractors?Yes. The program includes coverage for independent contractors working under an agency, which accommodates agencies that use a mix of employees and contracted producers.
What are the liability limits and deductible options?Limits range from $1 million to $5 million, with split-limit options available. Deductible choices include low options starting at $2,500; specific availability depends on carrier selection and account details.
In which states is this program available?This Errors & Omissions program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What is the minimum premium for this program?The minimum premium begins at $1,500, making the program a cost-effective option for smaller agencies and solo practitioners with favorable loss histories.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/colonialgeneral/Log-and-Lumber-Hauling-Insurance/
Policy Highlights:
We have the products and carriers to insure loggers, lumber haulers, log haulers, chip haulers, and similar timber transportation operations.
Overview — Colonial General Insurance Agency, Inc. Log & Lumber Hauling Program
Colonial General Insurance Agency, Inc. offers a targeted program for log and lumber hauling risks through a mix of admitted and excess & surplus markets. The program is designed for agents who need flexible coverages for timber and lumber transportation accounts, with options for liability, cargo, and physical damage. Carrier availability varies by state and risk characteristics; some admitted markets are available where appropriate.
Ideal Accounts and Appetite
Owner-operators and small-to-medium trucking firms that transport logs, roundwood, cut lumber, chips, and related forest products.
Regional haulers operating primarily in the Mountain West and Southwest — particularly AZ, CA, CO, ID, NV, NM, UT, and WY.
Fleets with routine radius operations (local and regional), including drive-away or short-haul deliveries up to program radius limits.
Preferred risks: documented maintenance programs, current driver records, and limited recent loss history. Accounts with strong safety and loss-control practices receive priority.
Coverage Highlights and Advantages
Liability coverage available up to $1,000,000 CSL.
Cargo coverage available with limits up to $100,000 (refrigeration breakdown included where applicable).
Physical damage available with deductible options commonly ranging from $500 to $5,000.
Radius options up to 500 miles — helpful for regional log and lumber movements.
Access to both admitted and non-admitted markets through Colonial General’s MGA and E&S brokerage relationships, giving flexibility for difficult-to-place risks.
Underwriting Notes and Typical Restrictions
Underwriting focuses on operation type, vehicle condition, driver qualifications, and loss history. Risks that typically fit this program include timber contractors hauling logs or finished lumber on stake beds and chip haulers moving wood byproducts. Accounts that may require enhanced placement or be declined include those with frequent recent losses, poor maintenance records, unauthorized drivers, or exposures outside available cargo limits.
Radius and cargo limits are important constraints — long transcontinental moves beyond the program’s radius or high-value specialized loads that exceed the $100,000 cargo limit may need alternative placement.
Submission Guidance
Faster quoting is possible when submissions include:
Current vehicle schedule with VINs and model years
Driver roster and recent MVRs
Three to five years of loss runs
Details on freight types, average cargo values, and typical haul radius
Maintenance program description and any periodic inspection reports
Colonial General underwriters can advise on specific documentation needed depending on the carrier being considered.
Territories and Admitted Status
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Carrier and admitted availability vary by state and by individual account; Colonial General works with both admitted markets (where offered) and E&S markets to place accounts that need broader flexibility.
Why Work with Colonial General Insurance Agency, Inc.?
Specialized appetite for log and lumber hauling with access to multiple markets.
MGA and E&S brokerage capabilities allow placement of a broad range of risks, including harder-to-place regional haulers.
Underwriting familiarity with timber-industry exposures and practical coverage options for cargo, liability, and physical damage.
Responsive submissions and pragmatic underwriting focused on workable coverage and realistic limits for the timber transportation sector.
Example accounts that fit this program
A family-owned logging contractor operating three stake-bed log trucks hauling within a 300-mile radius with strong maintenance records and no recent losses.
A regional lumber distributor running multiple straight trucks and trailers moving finished lumber between sawmills and retailers within the program states, seeking combined liability, cargo, and physical damage limits.
Frequently Asked Questions
What types of accounts are a good fit for Colonial General’s Log and Lumber Hauling program?Owner-operators and small-to-mid-size fleets that transport logs, lumber, chips, or related forest products, especially those operating regionally in AZ, CA, CO, ID, NV, NM, UT, and WY with documented maintenance and clean driver records.
What cargo and liability limits are available?The program offers cargo limits up to $100,000 (refrigeration breakdown included where applicable) and liability up to $1,000,000 CSL. Higher limits may require referral to alternate markets.
Is coverage admitted or non-admitted?Carrier availability varies. Colonial General places business in both admitted and E&S markets depending on the state, the carrier appetite, and the individual account characteristics.
What documentation speeds up underwriting and quoting?Provide a current vehicle schedule, driver roster and MVRs, three to five years of loss runs, descriptions of cargo and typical haul radii, and maintenance program details to obtain the quickest, most accurate quotes.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/kandkinsurance/Performer-Insurance/
https://completemarkets.com/company/colonialgeneral/Restaurant-Insurance/
Policy Highlights for Restaurant Insurance:
Colonial General Insurance Agency, Inc. offers a comprehensive Restaurant Insurance program designed to help agents and brokers place a wide range of food service risks. Whether your client operates a dine-in restaurant, a take-out establishment, or a hybrid model, this program provides tailored solutions to meet their unique exposures. Coverage is available on a mono-line or package basis, with flexible options to suit different business needs. Please note that alcohol sales must be less than 30% of gross sales to qualify.
Ideal Accounts and Appetite
This program is best suited for small to mid-sized restaurants, cafés, diners, bistros, and other food service businesses that primarily focus on food sales rather than alcohol. Typical accounts include:
Family-style restaurants with limited bar service
Quick-service and take-out only establishments
Ethnic restaurants with dine-in and carry-out service
Cafés and coffee shops offering light food menus
Accounts that rely heavily on alcohol sales (over 30% of revenue) or operate as nightclubs or bars are outside the current appetite.
Coverage Highlights and Advantages
Commercial General Liability Coverage Includes:
Primary limits up to $3,000,000 Occurrence / Aggregate
$5,000 Medical Payments Coverage—Included
Additional Interests—Included at no additional cost
Liquor Liability Coverage available
Excess or Umbrella Limits up to $25,000,000
No deductible required
Property Coverage Options:
Building and Contents
Business Income and Extra Expense
Computer Equipment
Food Spoilage and Equipment Breakdown
Accounts Receivable and Valuable Papers
Outside Signs and Inland Marine
Basic, Broad, or Special Form available
Replacement Cost or Actual Cash Value (ACV) options
Crime Coverage:
Theft of Money and Securities (Inside the Premises)
Robbery or Safe Burglary of Other Property
Theft Outside the Premises
Underwriting Notes and Premiums
Colonial General works with a variety of carriers to find the right fit for your client's risk profile. While minimum premiums may vary by risk and carrier, the agency focuses on providing competitive solutions with minimal underwriting friction. Submissions that include complete applications and clear financials help speed up the quoting process.
Territories and Availability
This Restaurant Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, and non-admitted options are also accessible depending on the risk and jurisdiction.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and strong market access to help you place hard-to-insure or specialty restaurant accounts. Their team understands the nuances of the food service industry and can help you navigate the underwriting process for quick and reliable placement. With access to both admitted and non-admitted markets, they offer flexible solutions tailored to your insured’s needs.
If you have a client opening a new fast-casual restaurant or one taking over an existing space with minor renovations, Colonial General can help you provide the coverage needed to protect their investment and operations from day one.
Frequently Asked Questions
What types of accounts are a good fit for this program?Restaurants with less than 30% of gross sales from alcohol, such as cafés, diners, quick-service, and ethnic restaurants, are ideal candidates for this program.
Is Liquor Liability included in the coverage?Yes, Liquor Liability Coverage is available as part of the Commercial General Liability offering, provided alcohol sales remain under 30% of gross receipts.
Are both package and mono-line coverage options available?Yes, property and liability coverage can be written together as a package or individually on a mono-line basis depending on your client’s needs.
Which states is this program available in?This Restaurant Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Does Colonial General work with admitted or non-admitted carriers?They offer coverage through both admitted and non-admitted markets, depending on the risk and state requirements.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/colonialgeneral/Scrap-Metal-Transport-Insurance/
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.