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Policy Highlights for Private School Insurance: Colonial General Insurance...he program is ideal for private K-12 schools, vocational and trade schools, technical training centers, and ...

Policy Highlights: If you place accounts that operate van pooling or commuter shuttle services, Colonial General Insurance Agency, Inc. offers a responsive market tailored to this niche transportation risk. Our Van Pooling Insurance program helps agents secure coverage that meets applicable state and federal requirements while providing flexible limits and terms for group transport operations. Ideal Accounts and Appetite We write operations that transport regular groups of commuters, employees, or members of organized travel programs. Good fits include: Employer-sponsored van pools (regular, scheduled commutes) Public or private commuter services with defined routes Nonprofit ride-sharing or community van pool programs Municipal or community transportation providers operating short-to-mid range routes We prefer accounts operating within the Western U.S. (see Territories below) with demonstrable safety controls and a favorable loss history. Typical non-fits include long-haul charter bus operations, on-demand ride-hailing platforms, or fleets with a recent history of large liability losses. Coverage Highlights and Advantages Colonial General’s Van Pooling Insurance program is built for the exposures common to group passenger transport. Key features include: Liability limits up to $1,000,000 Combined Single Limit (CSL) Physical damage coverage with deductible options from $500 to $5,000 Ability to meet state and federal minimums tied to passenger seating capacity, with total coverage options available up to $1.5 million Operation radius options up to 500 miles to accommodate local and regional routes This program is structured to handle the regulatory and operational nuances of van pooling—such as passenger counts, route radius, and seating configurations—so you can place accounts with confidence that required limits and endorsements are available where needed. Underwriting Notes Underwriting evaluates fleet size, average trip length, driver hiring and training practices, driver background checks, and loss history. Documents commonly requested include: driver rosters and MVRs, vehicle maintenance records, and a description of routes and pickup locations. While we do not publish a specific minimum premium, our goal is to deliver competitively priced solutions aligned with the risk profile. Examples of factors that improve tractability: Consistent, scheduled routes and limited radius Formal driver qualification and training programs Preventive maintenance and documented inspection programs Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available depending on state and specific risk details; otherwise coverage is placed through non-admitted carriers. If you have an account near a state border or that occasionally travels outside the listed states, discuss route details with underwriting to determine eligibility. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker with transportation expertise, Colonial General gives agents access to multiple carrier markets, flexible terms, and quick underwriting responses. Our team focuses on matching van pooling accounts to the right admitted or surplus market, helping you place business faster and reduce placement friction. You might have a client who operates a 12-passenger, employer-sponsored van that transports employees 25–40 miles each way; this program can provide limits and radius options to meet that client’s needs. Or you may place a community nonprofit running scheduled commuter shuttles inside a metropolitan area—Colonial General can tailor coverages and deductibles to fit the operation and budget. Frequently Asked Questions What types of accounts are a good fit for this Van Pooling Insurance program?Ideal accounts include employer-sponsored van pools, nonprofit ride-share programs, and commuter shuttle services operating within the Western U.S., especially those with scheduled routes and documented safety procedures. What is the maximum liability limit available?Liability coverage is available up to $1,000,000 CSL, with total coverage options up to $1.5 million in cases where seating capacity or regulatory requirements demand higher limits. Are both admitted and non-admitted markets available?Yes. Depending on the state and risk characteristics, we can place coverage in admitted markets where available or access non-admitted markets through E&S solutions. Is there a minimum premium for this program?We do not publish a specific minimum premium. Pricing is determined by underwriting factors such as fleet size, driving radius, and loss history, and we aim to offer competitive terms for qualified risks. In which states is this program available?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

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Cochrane & Company makes it easy for you to place Trucking Insurance coverage for a wide range of commercial trucking risks. Designed for both for-hire and not-for-hire operations, this program is ideal for insureds transporting goods and commodities within a 300-mile radius. Whether your clients operate single trucks or truck/tractor-trailer combinations, this program offers flexible solutions backed by strong carrier relationships. Ideal Accounts and Appetite This program is tailored for a wide variety of trucking exposures, including but not limited to: Livestock transportation General commodities hauling Dry van, flatbed, and container loads Machinery and equipment transport Iron, steel, and building materials Produce, meat, seafood, and refrigerated goods Pharmaceuticals and mail/periodical delivery Auto transporters and boat haulers Oversize and overweight loads Water transportation If you have a client operating a small fleet of refrigerated trucks delivering seafood to restaurants along the Pacific Northwest, or an auto hauler transporting vehicles across neighboring states, this program could be a great fit. Ineligible Exposures This program excludes certain risks, including: Student drivers Non-employee passengers Hazardous materials (incidental household items acceptable) Petroleum-based products (see petroleum haulers) Triple trailers Medical or biohazardous waste Mobile/manufactured home toters Explosives, poisonous gas, or radioactive materials Logging trucks Owner-operators not permanently leased Coverage Highlights and Advantages Automobile liability limits up to $5 million Uninsured/underinsured motorist and medical payments Personal injury protection Hired and non-owned auto coverage Physical damage coverage Motor truck cargo insurance Trailer interchange coverage UIIA (Uniform Intermodal Interchange Agreement) compliance General liability under truckers' code Multi-line discounts may be available Underwriting Requirements Loss information for current and prior years Complete VINs for all power units Full driver list with acceptable MVRs Territory and Market Access This trucking program is available in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Cochrane & Company works with multiple carriers, providing access to both admitted and non-admitted markets, with most coverage available through surplus lines. Minimum premiums vary based on risk characteristics. Why Work With Cochrane & Company? As a Managing General Agency and Excess & Surplus Lines Broker, Cochrane & Company brings decades of experience and strong carrier relationships to help you place even the most complex trucking accounts. Whether you're working with regional haulers or specialized transporters, our knowledgeable underwriting team is here to support your success from quote to bind. Frequently Asked Questions What types of accounts are a good fit for this Trucking Insurance program?Accounts involved in hauling general freight, refrigerated goods, autos, boats, livestock, and building materials within a 300-mile radius are ideal. Both for-hire and not-for-hire operators are eligible. What are the main coverage options offered under this program?Available coverages include auto liability up to $5 million, motor truck cargo, physical damage, trailer interchange, UIIA, and general liability under the truckers' code. Are hazardous materials haulers eligible for this program?No, risks involving hazardous materials, explosives, radioactive substances, or biohazardous waste are not eligible. Incidental household items like spray paint or batteries are acceptable. In which states is this program available?The program is offered in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. What underwriting information is required for a quote?You’ll need complete VINs for all power units, a full driver list with acceptable MVRs, and current/prior loss history. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General can provide the coverages you require for your non-emergency medical transportation needs. Contact us today for more information about additional coverages offered. Coverage available: We currently do not have a market for wheel chair accessible vehicles in most of our states. Limits up to state and federal requirements per seating capacity, up to $1.5 million. Medicare or Medicaid contract required. Liability coverage available up to $1,000,000 CSL. Physical damage coverage with deductible options ranging from $500 to $5,000. Radius options up to 500 miles. Cargo limits up to $100,000 with refrigerator breakdown included. Overview of the Program from Colonial General Insurance Agency, Inc. Colonial General offers a targeted Non-Emergency Medical Transportation (NEMT) program for agents placing ambulatory and stretcher transport accounts that participate in Medicare or Medicaid contracts. This program combines liability, physical damage, and optional cargo protection designed to address the common exposures of passenger transport for non-emergency medical needs. Coverage structure and market depend on the state and specific account characteristics; available markets vary. Ideal Accounts and Appetite Small to mid-size operators running sedan and van services for ambulatory and stretcher passengers (where stretcher transport is accepted by underwriter). Fleets with established Medicare or Medicaid contracts — a contract is required for placement. Operators seeking liability limits up to $1,000,000 CSL and higher per-seating-capacity limits up to $1.5 million where state/federal requirements apply. Accounts less likely to be acceptable include large fleets with extensive wheelchair-accessible vehicle (WAV) operations, new ventures without government contracts, or operations outside the listed states where admitted markets are not available. Coverage Highlights and Advantages Liability limits up to $1,000,000 CSL; per seating capacity limits up to $1.5M where required. Physical damage available with flexible deductible options ($500–$5,000) to fit fleet risk tolerance. Cargo coverage up to $100,000 that includes refrigerator breakdown — useful for medical supplies and temperature-sensitive items transported with patients. Radius options up to 500 miles to accommodate regional runs and inter-facility transfers. Placement through Colonial General’s MGA/E&S brokerage relationships provides access to admitted or non-admitted solutions depending on state and account profile. Underwriting Notes Medicare or Medicaid contract documentation is mandatory at submission. Wheelchair-accessible vehicles: limited or no capacity in most states — disclose any WAV operations up front for accurate placement guidance. Seating capacity drives some state and federal limit requirements; provide seating configuration and vehicle types on submissions. Provide details on driver screening, training, background checks, and vehicle maintenance programs to improve placement chances and pricing. Radius, cargo exposures (including refrigerated items), and any stretcher operations should be detailed for accurate quoting. Territories and Availability This program is available in select western states: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted versus non-admitted availability varies by state and by the specifics of the account — Colonial General works as both an MGA and an excess & surplus lines broker to secure the right market for the risk. Why Work with Colonial General on NEMT Business Colonial General combines specialized appetite for Medicare/Medicaid-contracted NEMT operations with flexible E&S and admitted market access. Agents benefit from targeted underwriting that understands common NEMT exposures (liability for passenger transport, cargo and refrigerated goods, radius and multi-state runs) and from options for physical damage and cargo protection. Colonial General’s focus on these account types helps streamline submissions and improve the chance of placement for qualified insureds. Example Accounts A small, three-vehicle sedan fleet that transports dialysis and outpatient clinic patients under a state Medicaid contract — seeking $1,000,000 CSL liability and physical damage on each vehicle. A regional van operator with Medicare contracts running non-emergency stretcher transfers within a 250-mile radius, requiring cargo coverage for temperature-sensitive medical supplies. Frequently Asked Questions What types of NEMT accounts are a good fit for this Colonial General program?Accounts with active Medicare or Medicaid contracts, small-to-mid-size sedan and van fleets that transport ambulatory or stretcher passengers, and operators that can document driver screening and vehicle maintenance practices are the best fit. Wheelchair-accessible vehicle operations are generally not accepted in most states. Is a Medicare or Medicaid contract required for every submission?Yes. Colonial General’s program requires documentation of a current Medicare or Medicaid contract as part of underwriting for placement. Can Colonial General insure wheelchair-accessible vehicles (WAVs)?No—this program currently does not have a market for wheelchair-accessible vehicles in most states. Disclose any WAVs up front so Colonial General can advise on alternatives or limitations. Which states are eligible and is coverage admitted?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted versus non-admitted options depend on the state and specific account; Colonial General can place on an admitted or E&S basis where appropriate. What documents and details should I include with a submission?Include the client’s Medicare/Medicaid contract, vehicle list with seating capacity, driver qualification and training details, loss history, radius of operations, and any cargo/refrigeration exposures. These items speed underwriting and improve quote accuracy. Need help placing an account? Connect with a market specialist.

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