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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.

...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...

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.

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.

Adult Day Care Insurance — AFC Insurance Inc. Program AFC Insurance Inc. offers a dedicated Adult Day Care Insurance program tailored for professional adult day care centers and related human & social services operations. This program is designed for agents and brokers who need a market that understands the staff, volunteer, property and professional liability exposures typical of adult day services, adult day health facilities, social and medical model programs, and services for developmentally disabled or mentally ill populations. Overview of the Program From AFC Insurance Inc. As a program administrator, AFC Insurance Inc. places package and stand-alone coverages through varying carriers to deliver flexible solutions for adult day care operators. The program combines General Liability and Professional Liability with property, auto, umbrella and specialty endorsements commonly requested by this segment. Coverage endorsements can include volunteers and independent contractors as insureds, an optional key employee replacement endorsement, extended coverage with blanket additional insured, and abuse & molestation coverage where needed. Ideal Accounts and Appetite The program fits: Professional adult day care centers and adult day services Adult day health facilities (social and medical models) Programs offering supervised care, meals, social activities, and limited health services Services for the developmentally disabled, mentally ill, or partial hospitalization/day treatment programs Typical accounts have controlled client ratios, trained staff, documented policies for medication administration and incident reporting, and limited on-site medical procedures. High-acuity facilities that function as primary medical providers or have full residential care are usually outside appetite. Coverage Highlights and Advantages Package options combining Property, General Liability, Professional Liability and Abuse & Molestation Endorsements to add Volunteers & Independent Contractors as insureds Optional Key Employee Replacement and Extended Coverage Endorsements with Blanket Additional Insured Umbrella limits available to broaden liability protection Auto coverage for business vehicles (subject to carrier restrictions) Flexible placement through multiple carriers — “Carriers: Varies” — to match risk characteristics Underwriting Notes and Minimum Premiums Underwriting focuses on operations, staffing ratios, policies for medication and supervision, facility security, transportation practices, and claims history. Documentation that speeds placement includes client rosters, staff training records, written policies and procedures, and loss runs. Minimum premium and rate levels vary by carrier and state; AFC’s program can place accounts with differing premium thresholds depending on the chosen market. Example Accounts an Agent Might Place You have a 30-person adult day center that provides meals, social activities and limited nursing oversight — the program can provide a package policy with General & Professional Liability and abuse & molestation coverage. A non-profit day services program with volunteers and occasional contracted therapists — the volunteer/independent contractor endorsements and blanket additional insured language can address those exposures. Territories and Availability Available in most states (Most Available States). Current territories: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, DC, WV, WI, WY. Some state restrictions may apply. Why Work With AFC Insurance Inc. on Adult Day Care Business AFC Insurance Inc. brings program-focused underwriting and access to multiple carrier appetite options specifically for human & social services. Agents benefit from coverage flexibility, common endorsements needed by adult day providers, and underwriting that understands the difference between social model and medical model operations. For accounts that match the program’s appetite, AFC can help secure competitive terms across property, liability and specialty layers. Frequently Asked Questions What types of adult day care accounts are a good fit for this program?Professional adult day centers that provide meals, supervised activities and limited health services are the best fit. Programs with documented policies, trained staff and controlled client-to-staff ratios typically place well. Full residential care or high-acuity medical providers are usually out of appetite. Which coverages and endorsements can I request through AFC’s program?Common options include Package (Property + Liability), General & Professional Liability, Abuse & Molestation, Auto (subject to carrier restrictions), Umbrella, volunteer & independent contractor as insureds endorsements, optional key employee replacement, and extended coverage with blanket additional insured language. How does state availability and admitted status affect placement?The program is available in most states listed on this page. Because carriers vary by state, some features and forms depend on state regulations and carrier appetite. Agents should confirm specific state availability and admitted/non-admitted status at submission time. What submission materials help underwriters make a faster decision?Provide a current application, recent loss runs, staff training and supervision policies, medication administration procedures, client capacity and staffing ratios, and details on transportation or medical services to speed underwriting and improve placement options. Need help placing an account? Connect with a market specialist.

Insurance Program Managers Group (IPMG) offers specialized Claims Management Services for Self Insurance Clients designed to help your clients reduce liability and workers’ compensation costs. With extensive experience managing diverse program business risk pools and self-insured retention (SIR) structures, IPMG brings a proactive, results-focused approach to claims handling that benefits both insureds and their brokers. Whether your client is a municipality, healthcare facility, educational institution, or commercial business pursuing more control over claims expenditures, IPMG’s in-house claims management team offers the tools and expertise to deliver efficient resolution and long-term cost containment. Our aggressive approach to claims resolution consistently helps clients achieve better outcomes while safeguarding their bottom line. Ideal Accounts and Appetite This program is ideal for self-insured entities or clients utilizing SIR structures who want to improve claims oversight and reduce overall program costs. IPMG is particularly well-suited for: Public entities such as cities, towns, and counties School districts and other educational institutions Healthcare organizations and hospital systems Mid- to large-size commercial businesses with self-insurance components If you work with clients who are exploring self-insurance to control costs or already have a program in place but need better performance, IPMG provides the claims infrastructure and expertise to support them. Coverage Highlights and Advantages IPMG's Claims Management Services include a full suite of tools and support to enhance claims outcomes: Dedicated adjuster model for personalized service Online claims reporting and real-time access via our proprietary InSight portal 24-hour contact on all new claim submissions Quarterly claim file reviews and stewardship meetings Customizable service plans tailored to your client’s operational needs Compliance with Medicare Section 111 reporting requirements Integrated nurse case management and pharmacy drug card program Underwriting Notes and Minimum Premiums This is a non-admitted program tailored to self-insured and SIR-based clients. IPMG reviews each submission carefully to ensure alignment with their claims philosophy and service capabilities. While no set minimum premium is listed, the program is geared toward accounts with meaningful claims volume and complexity where specialized claims handling can add measurable value. Territories and Availability IPMG’s Claims Management Services are currently available in Florida, Illinois, Minnesota, Missouri, and Wisconsin. Brokers with clients operating in these states can take full advantage of IPMG’s regional expertise and responsive service model. Why Work With IPMG With a 95% client retention rate, IPMG has earned a reputation for transparency, results, and client-focused service. Their proprietary InSight platform gives your clients full visibility into claims progress, including notes, documentation, and financials. Regular stewardship meetings help ensure accountability and continuous improvement. Brokers appreciate IPMG’s commitment to integrity and long-term partnership. Whether you’re placing a new self-insured account or looking to improve outcomes for an existing one, IPMG’s Claims Management Services offer the tools and support to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for self-insured entities or those with SIR structures, including municipalities, school districts, healthcare systems, and mid- to large-size commercial businesses. What services are included in IPMG’s claims management offering?Services include online claims reporting, dedicated adjusters, quarterly reviews, nurse case management, Medicare compliance reporting, and access to the InSight portal for full claim transparency. Can IPMG handle claims in multiple states?Yes, IPMG currently provides Claims Management Services in Florida, Illinois, Minnesota, Missouri, and Wisconsin. How does IPMG help reduce claims costs for self-insured clients?By using aggressive claims handling, early intervention, and regular performance reviews, IPMG helps clients resolve claims efficiently and reduce loss costs over time. Is there a minimum premium requirement?There is no stated minimum premium, but the program is designed for accounts with significant claims exposure where specialized claims handling adds value. Need help placing an account? Connect with a market specialist.

Overview — Ice Cream Truck Insurance from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a dedicated Ice Cream Truck Insurance program designed for agents placing mobile food vendors and small mobile catering operations. This program is offered through Colonial General as a Managing General Agency and Excess & Surplus lines broker, giving you flexible placement options across admitted and non-admitted markets depending on the state and account characteristics. Ideal accounts and appetite Independent ice cream truck operators and small fleets of mobile dessert or frozen-treat vendors. Vehicles equipped with refrigeration units and serving retail customers from streets, parks, private events, or seasonal routes. Accounts with routine maintenance programs, documented refrigeration upkeep, and reasonable loss histories. Generally not a fit: highly specialized heavy commercial vehicles, permanent fixed-location concessions, or accounts with habitual regulatory or food safety violations. If you have a borderline submission, Colonial General underwriting will consider details on a case-by-case basis. Coverage highlights and advantages Use this program to secure flexible liability and physical damage protection tailored to mobile food delivery operations. Key coverages include: Liability limits up to $1,000,000 CSL to protect bodily injury and property damage exposures. Physical damage coverage with multiple deductible options (typically $500–$5,000) to match client budgets and vehicle values. Cargo limits up to $100,000, including protection for inventory and product spoilage; refrigerator breakdown coverage is included to address mechanical losses to perishable product. Radius options up to 500 miles to support operators who travel for events, festivals, or multi-state routes. Colonial General currently has no blanket exclusions specific to this ice cream truck program, improving placement flexibility. Underwriting notes and typical requirements Underwriters commonly request a completed application, current MVRs for drivers, vehicle photos, and a brief loss history. Documentation of refrigeration maintenance, business license, and food safety compliance is helpful and may speed binding. Rates and placement (admitted vs. non-admitted) will depend on state availability, vehicle condition, driver records, and loss experience. Minimum premiums may apply; contact Colonial General for current threshold and program terms. Territories and availability The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some admitted markets are available where regulatory and carrier appetite allow; Excess & Surplus lines placement is used where necessary. Carrier availability varies by state and account characteristics. Why place ice cream truck business with Colonial General Specialized focus on mobile food vendors and refrigerated cargo exposures. Access to both admitted and E&S markets through an experienced MGA/broker model. Flexible radius and cargo options that fit seasonal operators and event-driven businesses. Underwriters open to tailored terms for small fleets and single-truck operations, with practical consideration for refrigeration breakdown exposures. Example account scenarios You have a client who operates a single soft-serve truck on a seasonal route through multiple towns — Colonial General can provide liability to $1M CSL, physical damage, and cargo coverage that includes refrigerator breakdown for their inventory. You represent a small fleet of two to four trucks that travel up to 300 miles for festivals and private events — the program’s radius options and fleet quoting flexibility make it a good candidate. Frequently Asked Questions What types of ice cream truck accounts are a good fit for this program?Single truck operators and small fleets with routine vehicle and refrigeration maintenance, reasonable driver records, and primarily retail or event service are the best fit. The program supports seasonal routes and event work with radius options up to 500 miles. Which states and market types are available?Colonial General offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY. Some admitted markets are available where carriers allow; Excess & Surplus placement is used when admitted options are not available. What coverages are included for refrigerated cargo?Cargo limits are available up to $100,000 and include refrigerator breakdown coverage to address spoilage or loss of perishable inventory when the refrigeration system fails. What documents should an agent submit with a new submission?Provide a completed application, vehicle photos, current MVRs for drivers, loss run or loss history, and any refrigeration maintenance records or business licenses to help underwriting evaluate and bind quickly. Are there deductible and liability limit options?Yes. Liability limits are available up to $1,000,000 CSL and physical damage deductibles commonly range from $500 to $5,000. Specific options will depend on the vehicle, territory, and underwriting review. Need help placing an account? Connect with a market specialist.

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.

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.