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Colonial General Insurance Agency, Inc. is pleased to offer a robust Assisted Living Insurance program designed for independent agents and brokers seeking comprehensive solutions for senior living facilities. Our recently expanded program now provides broader coverage options and significantly reduced base rates, making it easier than ever to place business for assisted and independent living operations across the Western United States. Overview of the Program From Colonial General This program is built for independent and assisted living facilities needing tailored liability protection and enhanced risk mitigation. As a managing general agency and excess & surplus lines broker, Colonial General gives you access to specialized markets and flexible underwriting to meet the evolving needs of your senior living clients. Whether your insured operates a standalone independent living community or a full-service assisted living facility, our program is designed to offer the right fit. Ideal Accounts and Appetite We are actively seeking to write: Assisted living facilities (non-medical support, custodial care) Independent living communities Facilities with quality management and safety protocols New ventures with experienced operators may also be considered We look for well-managed facilities with good loss history and a focus on resident safety and regulatory compliance. You might have a client operating a 40-bed independent living facility in Utah or a multi-location assisted living group in Arizona—both could be strong fits for this program. Coverage Highlights and Advantages Our expanded Assisted Living Insurance program includes several enhancements that agents will appreciate: Standard Coverage Features: Lower base rates for both assisted and independent living facilities Occurrence-based coverage available for independent living operations Assault and battery exclusion removed Medical payments for non-residents with $2,500 and $10,000 limits Broader Coverage Options: Higher sexual abuse and molestation limits Defense costs outside the policy limits Punitive damages (where allowed) Split limits and communicable disease coverage Expanded territorial coverage and credits for favorable venue locations Underwriting Notes and Minimum Premiums Our underwriting team evaluates each submission individually, considering the facility’s size, services offered, management experience, and claims history. While minimum premiums vary by risk and carrier, we work to provide competitive pricing to help you win and retain accounts. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and non-admitted options may be available depending on the risk profile and location. Why Work With Colonial General Colonial General brings decades of experience as a trusted MGA and E&S broker. Our team understands the unique exposures faced by senior living facilities and works closely with agents to deliver responsive service, efficient quoting, and access to niche markets. From underwriting flexibility to product enhancements, our goal is to help you better serve your clients while growing your book of business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for independent and assisted living facilities, including new ventures run by experienced operators, that prioritize resident safety and have favorable loss histories. Are both admitted and non-admitted markets available?Yes, depending on the risk and state, we have access to both admitted and non-admitted markets. Is occurrence-based coverage available?Yes, occurrence-based coverage is available for independent living facilities under this program. What states is this program available in?The Assisted Living Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I submit new ventures?Yes, new ventures may be considered, especially when backed by experienced management and a solid business plan. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Mobile Mechanics Insurance program tailored for mobile auto repair professionals—whether working full-time, part-time, or from a fixed location. This program is designed specifically for the unique exposures faced by mobile mechanics, helping you provide your clients with broad protection for their operations, tools, vehicles, and customer property. Ideal Accounts and Appetite This program is ideal for mobile mechanics operating independently or with a small crew, including those who: Perform repairs on-site at customer locations or homes Operate towing services or roadside assistance Provide light mechanical work from a garage or shop Handle customer vehicles under their care, custody, or control Whether your client is just starting out or has an established mobile operation, this program can accommodate a wide range of risk profiles. Accounts with a clear loss history and well-maintained operations are preferred. Coverage Highlights and Advantages Colonial General’s mobile mechanic program includes Commercial Garage Coverage tailored to the needs of auto service professionals: Garage Liability Limits up to $1,000,000 per accident $3,000,000 General Liability Aggregate $5,000 Medical Payments Garage Keepers Coverage on a primary basis with specified causes of loss Dealers Physical Damage False Pretense Coverage Fire Legal Liability In-Transit Coverage for towing operations Broadened Coverage for additional peace of mind Property Coverage available Roadside Assistance operations acceptable Coverage extends to both the mechanic’s own service vehicles and customers’ vehicles while in their possession, providing well-rounded protection for on-the-go operations. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer flexible underwriting solutions through both admitted and non-admitted markets, depending on the state and risk profile. A detailed application and operational overview will help determine the best fit for your client. While specific minimum premiums may vary by market and state, this program is designed to be accessible for small to mid-sized operations. Contact Colonial General for underwriting guidelines and eligibility criteria. Territories and Availability This Mobile Mechanics Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche motor trade markets. Their longstanding relationships with a variety of carriers allow them to tailor coverage to meet the needs of non-standard and hard-to-place risks. You’ll benefit from responsive service, knowledgeable underwriters, and access to comprehensive coverage solutions for your mobile mechanic clients. Whether your client is a solo mobile mechanic offering roadside diagnostics or a multi-vehicle towing and repair operation, Colonial General can help you find the right fit. Place your next mobile mechanic account with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile mechanics, roadside assistance providers, and small auto repair businesses operating on-site or from a small garage. Is coverage available for customer vehicles in the mechanic’s care?Yes, Garage Keepers Coverage is included on a primary basis to protect customer vehicles while in the insured’s possession. Can this program accommodate towing operations?Yes, in-transit coverage is available for towing operations, making the program suitable for mechanics who also offer towing services. Which states is this program available in?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes, Colonial General offers access to 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: Colonial General Insurance Agency, Inc. offers a specialized Mobile X-ray and Imaging Insurance program designed for businesses providing portable diagnostic imaging services. Whether your client is servicing nursing homes, assisted living facilities, correctional institutions, rehab centers, or homebound patients, this program offers tailored coverage solutions backed by A.M. Best A+ rated carriers. Overview of the Program From Colonial General Insurance Mobile X-ray and portable imaging businesses face unique liabilities as they operate outside traditional healthcare facilities. Colonial General understands this niche and provides access to flexible insurance options through top-rated carriers. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General helps agents like you place hard-to-insure risks with reliable markets. Ideal Accounts and Appetite Target classes for this program include: Mobile X-ray service providers Portable ultrasound, MRI, and CT scan operators Imaging technicians servicing long-term care facilities, surgical centers, and correctional institutions This program is ideal for accounts that deliver diagnostic services on-site at nursing homes, rehabilitation hospitals, adult assisted living residences, and private homes. If you have a client expanding into mobile diagnostics or starting a new venture with portable imaging, this program can help secure the right coverage. Coverage Highlights and Advantages Coverage options vary by carrier, but may include: Professional Liability (Medical Malpractice) General Liability Commercial Auto (for transport vehicles) Property and Inland Marine (for mobile equipment) Workers’ Compensation (in select markets) Colonial General works with carriers that understand the exposures involved in operating sensitive diagnostic equipment in variable environments. This ensures comprehensive protection for your insureds, whether they operate a fleet of mobile units or a single portable device. Underwriting Notes and Minimum Premiums Coverages and premiums will vary based on the carrier and the specific risk characteristics of the account. Underwriters will review operational scope, number of units, technician credentials, service areas, and claims history. While no fixed minimum premium is listed, this program is best suited for accounts with professional operations and clear risk management procedures. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some admitted markets are available depending on the state and coverage needs. Non-admitted options are also accessible for more complex or high-risk accounts. Why Work With Colonial General Insurance Agency Colonial General has deep experience placing specialty healthcare and niche liability risks. Their team offers responsive underwriting support, access to top-tier carriers, and solutions tailored to the mobile healthcare space. If you’re an agent or broker looking for a reliable partner to place mobile imaging business, Colonial General is ready to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this Mobile X-ray and Imaging Insurance program?This program is ideal for businesses providing mobile diagnostic imaging services to nursing homes, assisted living facilities, correctional institutions, and homebound patients. What coverages are typically available under this program?Coverage options may include General Liability, Professional Liability, Commercial Auto, Property/Inland Marine for equipment, and Workers’ Compensation depending on the carrier and state. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Does this program offer admitted or non-admitted coverage?Some admitted markets are available; however, non-admitted options are also accessible depending on the risk and location. What information is required for underwriting?Underwriters typically look for operational details, technician qualifications, number and type of mobile units, service locations, and any prior claims history. Need help placing an account? Connect with a market specialist.

Policy Highlights: Brake and muffler shops face a unique set of risks due to the nature of their operations, including customer vehicle damage, employee injury, and liability exposures. Colonial General Insurance Agency, Inc. offers a specialized Brake and Muffler Shop Insurance program designed to address these challenges head-on—helping you place business confidently and efficiently. Overview of the Program From Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides access to flexible commercial garage coverage tailored to the specific needs of brake and muffler repair businesses. Whether your client operates a stand-alone brake shop or a full-service muffler facility, this program is built to help you secure the right protection for their unique exposures. With access to both admitted and non-admitted markets, Colonial General can support a wide range of placements across the Western U.S. Ideal Accounts and Appetite This program is ideal for: Independent brake and muffler repair shops Small to mid-sized garage operations offering exhaust system services Shops providing towing services or vehicle pickup and delivery Accounts with established safety procedures, clean loss history, and well-maintained facilities are especially attractive. This program is not intended for heavy truck repair shops or full auto body collision centers. Coverage Highlights and Advantages The Brake and Muffler Shop Insurance program includes: $3,000,000 Liability Aggregate $5,000 Medical Payments Broadened Coverage Endorsements Dealers Physical Damage False Pretense Coverage Fire Legal Liability Garage Keepers Coverage on a Primary basis with specified causes of loss Garage Liability Limits up to $1,000,000 per accident In-Transit Coverage for Towing Operations Property Coverage Available These options allow you to customize policies to suit the risk profile of each client, whether they handle customer vehicles overnight, operate in high-traffic areas, or offer roadside services. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to find appropriate coverage solutions. While minimum premium requirements vary by market and risk profile, the underwriting team seeks partners who present clean operations, sound maintenance practices, and compliance with industry safety standards. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, while others may be serviced through surplus lines carriers depending on the risk. Why Work With Colonial General? Colonial General brings decades of experience in placing niche commercial auto-related risks. Their team understands the operational exposures faced by brake and muffler shops and provides responsive underwriting support to help agents close business faster. With access to both admitted and non-admitted markets, they offer flexible solutions tailored to your clients’ needs. Whether you're quoting a single-location brake shop or a regional muffler service with multiple vehicles, Colonial General can help you find the right fit. You can explore the full program details and start the submission process by visiting their program page. Frequently Asked Questions What types of accounts are a good fit for this program?Independent brake and muffler repair shops, especially those with clean operations and minimal claims history, are ideal candidates for this program. Is Garage Keepers Coverage included?Yes, Garage Keepers Coverage is available on a primary basis with specified causes of loss, offering protection for customer vehicles in the shop's care. Are towing operations covered?Yes, In-Transit Coverage for Towing Operations is included, making this program a strong fit for shops that offer pickup or roadside assistance. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer both admitted and non-admitted options?Yes, Colonial General has access to both admitted and non-admitted markets depending on the state and risk characteristics. Need help placing an account? Connect with a market specialist.

Policy Highlights: Smart taxi fleet owners and independent operators turn to Colonial General Insurance Agency, Inc. for tailored taxi service placements. As an experienced Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple markets, responsive underwriting, and flexible coverages designed for transportation risks. Overview of the Program From Colonial General The Taxi Service Insurance program is built for independent agents and brokers placing taxi fleets, single owner-operators, and non-emergency transport services. Colonial General combines market access with transportation underwriting expertise to help you meet state requirements and your clients’ operational needs. Ideal Accounts and Appetite This program is a good fit for: Taxi fleets with multiple vehicles Single-vehicle owner-operators Urban, suburban, and rural taxi operations Operators working within a 500-mile radius We consider both standard taxi operations and accounts with unique exposures. Typical fits include mid-sized metro fleets with modest loss histories and independent drivers with clean records. Examples you might submit: a 10-vehicle city fleet seeking primary liability and physical damage, or a single owner-operator running local routes who needs state-compliant limits and a flexible deductible. Coverage Highlights and Advantages Colonial General offers adaptable coverages to match state rules and client needs: Liability coverage: Up to $1,000,000 CSL Physical damage: Available with deductibles from $500 to $5,000 Radius of operation: Options up to 500 miles State minimums: Coverage available to meet required state limits Excess limits: Submissions above state minimums can be reviewed for placement Underwriting Notes and Minimum Premiums Underwriting focuses on vehicle type, radius of operation, driver experience, and loss history. Minimum premiums vary by market and the risk profile; Colonial General works with agents to identify the most appropriate markets and competitive options. Accounts needing limits above state minimums will receive individualized review and placement efforts. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some markets are admitted while others may be non-admitted depending on state rules and the specific risk. Contact Colonial General for guidance on placement options and state eligibility. Why Work With Colonial General? Colonial General brings deep transportation underwriting knowledge and strong carrier relationships. As an MGA and E&S broker, they offer quick turnaround, flexible terms, and multiple market access — useful when standard carriers decline or when an account needs tailored limits or deductibles. Their team is experienced placing both small owner-operators and larger taxi fleets. If you need placement assistance or have a challenging taxi risk, Colonial General can evaluate alternatives across admitted and non-admitted markets and advise on the most viable submission strategy. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for taxi fleets, independent drivers, and transport services operating within a 500-mile radius in the available states. Can I submit a risk that requires coverage above the state minimum limits?Yes. Submissions that exceed state minimums will be reviewed on a case-by-case basis and may be placed with appropriate markets. What deductible options are available for physical damage coverage?Deductible options typically range from $500 to $5,000, depending on the specific risk and market availability. Is this program available in my state?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability can vary by market and risk characteristics. What is the process for submitting a risk?Provide the insured's details—vehicle count, radius of operation, driver experience, and loss history—and Colonial General will guide you through the submission and quoting process. Need help placing an account? Connect with a market specialist.

Policy Highlights: Vacant Building Insurance Program from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a flexible and reliable Vacant Building Insurance program designed to help independent agents and brokers place coverage for vacant or unoccupied properties. Whether your client owns a commercial building awaiting new tenants or a residential property undergoing minor renovations, this program provides tailored solutions to meet their needs. Ideal Accounts and Appetite This program is ideal for: Vacant or unoccupied commercial buildings, including office spaces, retail properties, and warehouses Residential properties that are currently vacant and awaiting sale, lease, or minor renovation Buildings undergoing light, incidental renovation work (non-structural) Monoline General Liability is available for vacant residential dwellings, while commercial buildings can be written on a package or monoline basis. Risks with heavy structural work or long-term vacancy without maintenance may not qualify. Coverage Highlights and Advantages Property Coverage Options: Available on Basic, Broad, or Special Form Coverage for Building and Business Personal Property Choice of Replacement Cost or Actual Cash Value General Liability Coverage Includes: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage—Included Additional Interests—Included at no extra cost Coverage limited to designated premises Excess or Umbrella limits available up to $25 million No deductible required A helpful Loss Prevention Brochure is also available to assist insureds in minimizing risk and maintaining their properties safely while vacant. Underwriting Notes Colonial General works with a variety of carriers to find competitive solutions for vacant property exposures. Although no minimum premium is specified, underwriting focus is placed on well-maintained properties with clear plans for future use. Renovation activity must be incidental and non-structural in nature. Territories and Availability This program is available in the following states: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Availability may vary depending on the risk profile and carrier preferences. Why Work with Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep underwriting expertise and strong carrier relationships to the table. Their Vacant Building Insurance program provides agents with access to both admitted and non-admitted markets, depending on risk characteristics. Whether you're placing a temporary vacancy or a longer-term unoccupied property, you can rely on Colonial General for responsive service and adaptable solutions. Example: You may have a client who owns a small retail building that recently lost its tenant and expects a new lease to begin in a few months. Or perhaps a homeowner needs coverage for a property on the market that is currently empty. Colonial General can help you place these types of accounts quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Vacant commercial and residential properties that are well-maintained and may have incidental, non-structural renovations are typically a good fit. This includes office buildings, retail spaces, and homes listed for sale or rent. Can I write General Liability coverage only?Yes, monoline General Liability is available for vacant residential properties. Commercial properties can be written on a monoline or package basis. Are renovations allowed on the property?Yes, but only incidental, non-structural renovation work is acceptable. Properties undergoing major structural changes may not qualify. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier and risk type. Does the program offer admitted markets?Some admitted markets are available, depending on the risk profile and underwriting criteria. Colonial General also offers non-admitted options through their E&S capabilities. Need help placing an account? Connect with a market specialist.

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Policy Highlights for Translator and Interpreter Insurance: Colonial General Insurance Agency, Inc. offers a specialized Translator and Interpreter Insurance program designed to protect language service professionals from costly liability claims. Whether your clients are freelance language specialists or operate full-scale translation agencies, this program provides tailored Errors & Omissions (E&O) coverage to help manage professional liability risks. Overview of the Program From Colonial General This professional liability solution—also known as Translation Services E&O Insurance or Interpreter E&O—provides essential protection for professionals accused of negligence, miscommunication, or failure to deliver services as promised. Claims in this sector can stem from translation errors, missed deadlines, or misinterpretations that result in financial or reputational harm to a client. Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers. Their flexible underwriting approach allows them to serve a broad range of language professionals with competitive terms, depending on the specific risk profile and carrier selected. Ideal Accounts and Appetite This program is suitable for a wide range of language service providers, including: Freelance Translators and Interpreters Independent Contractor Language Professionals Translation and Localization Agencies Language Service Companies operating in multiple sectors Ideal accounts include individuals or firms offering professional translation or interpretation services in legal, medical, educational, or business settings. You might have a client who interprets in courtrooms or translates technical manuals for manufacturers—both are excellent candidates for this program. Coverage Highlights and Advantages Professional Liability (E&O) coverage tailored to translation and interpretation exposures Flexible options based on business size and type—from solo freelancers to multi-employee agencies Protection against claims of professional negligence, errors, and omissions Access to multiple carriers to provide competitive rates and terms *Coverage options and premium levels vary depending on the carrier and underwriting criteria. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers, allowing for a flexible underwriting process. While minimum premiums are determined by the individual carrier, the program accommodates both new ventures and experienced professionals. Agents should be prepared to provide details about the applicant’s experience, areas of specialization, and prior claims history. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can assist agents in these regions with finding the right market for their clients’ language service needs. Why Work With Colonial General? As a trusted MGA and E&S broker, Colonial General offers deep expertise in niche professional liability markets. Their commitment to responsive service, underwriting flexibility, and broad market access makes them a valuable partner for agents placing coverage for translators and interpreters. Whether your client is just starting out or managing a growing agency, Colonial General can help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freelance translators, contract interpreters, translation agencies, and language service companies operating in fields like legal, medical, business, or education. Is this coverage available for new ventures?Yes, Colonial General can consider new ventures, especially when supported by relevant experience and a clear business plan. What territories does this program cover?The Translator and Interpreter Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes, Colonial General has access to both admitted and non-admitted markets depending on the state and risk profile. What information is needed to get a quote?Agents should provide business details such as years of experience, services offered, revenue, and any prior claims or losses. Need help placing an account? Connect with a market specialist.

Policy Highlights: Brake and muffler shops face a unique set of risks due to the nature of their operations, including customer vehicle damage, employee injury, and liability exposures. Colonial General Insurance Agency, Inc. offers a specialized Brake and Muffler Shop Insurance program designed to address these challenges head-on—helping you place business confidently and efficiently. Overview of the Program From Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides access to flexible commercial garage coverage tailored to the specific needs of brake and muffler repair businesses. Whether your client operates a stand-alone brake shop or a full-service muffler facility, this program is built to help you secure the right protection for their unique exposures. With access to both admitted and non-admitted markets, Colonial General can support a wide range of placements across the Western U.S. Ideal Accounts and Appetite This program is ideal for: Independent brake and muffler repair shops Small to mid-sized garage operations offering exhaust system services Shops providing towing services or vehicle pickup and delivery Accounts with established safety procedures, clean loss history, and well-maintained facilities are especially attractive. This program is not intended for heavy truck repair shops or full auto body collision centers. Coverage Highlights and Advantages The Brake and Muffler Shop Insurance program includes: $3,000,000 Liability Aggregate $5,000 Medical Payments Broadened Coverage Endorsements Dealers Physical Damage False Pretense Coverage Fire Legal Liability Garage Keepers Coverage on a Primary basis with specified causes of loss Garage Liability Limits up to $1,000,000 per accident In-Transit Coverage for Towing Operations Property Coverage Available These options allow you to customize policies to suit the risk profile of each client, whether they handle customer vehicles overnight, operate in high-traffic areas, or offer roadside services. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to find appropriate coverage solutions. While minimum premium requirements vary by market and risk profile, the underwriting team seeks partners who present clean operations, sound maintenance practices, and compliance with industry safety standards. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, while others may be serviced through surplus lines carriers depending on the risk. Why Work With Colonial General? Colonial General brings decades of experience in placing niche commercial auto-related risks. Their team understands the operational exposures faced by brake and muffler shops and provides responsive underwriting support to help agents close business faster. With access to both admitted and non-admitted markets, they offer flexible solutions tailored to your clients’ needs. Whether you're quoting a single-location brake shop or a regional muffler service with multiple vehicles, Colonial General can help you find the right fit. You can explore the full program details and start the submission process by visiting their program page. Frequently Asked Questions What types of accounts are a good fit for this program?Independent brake and muffler repair shops, especially those with clean operations and minimal claims history, are ideal candidates for this program. Is Garage Keepers Coverage included?Yes, Garage Keepers Coverage is available on a primary basis with specified causes of loss, offering protection for customer vehicles in the shop's care. Are towing operations covered?Yes, In-Transit Coverage for Towing Operations is included, making this program a strong fit for shops that offer pickup or roadside assistance. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer both admitted and non-admitted options?Yes, Colonial General has access to both admitted and non-admitted markets depending on the state and risk characteristics. Need help placing an account? Connect with a market specialist.

Policy Highlights for our Building Material Trucking program: Colonial General Insurance Agency, Inc. offers a specialized Building Material Trucking Insurance program designed for agents and brokers seeking comprehensive cargo coverage solutions for clients in the construction hauling space. This program is ideal for insureds who transport various types of building materials to and from job sites, including perishable or fragile items that require extra protection during transit. Our coverage is tailored for construction truckers, heavy haulers, and operators of flatbeds, dump trucks, and other vehicles that carry building supplies such as lumber, steel, roofing materials, concrete forms, insulation, and more. With the unique risks involved in transporting these goods, having the right cargo insurance is essential—and Colonial General provides access to markets that understand these exposures. Ideal Accounts and Appetite This program is well-suited for independent contractors, owner-operators, and small to mid-sized trucking fleets specializing in hauling building materials. Target classes include: Lumber and wood products haulers Roofing and siding material transporters Steel and metal component delivery operators Concrete and masonry supply haulers Insulation and drywall transporters We work with accounts that need flexible coverage solutions and access to excess limits. Risks involving long-haul freight, regional routes, or local job site deliveries can all be considered based on underwriting. Coverage Highlights and Advantages Unlimited radius available on all monoline cargo policies Refrigeration breakdown included in cargo limits up to $100,000 Excess cargo up to $750,000 available over primary coverage This program helps protect against common losses such as cargo damage, theft, spoilage, and breakdowns that could delay delivery or compromise materials. Whether your client is hauling insulation across state lines or delivering steel beams to a commercial build, we can tailor the policy to fit their needs. Underwriting Notes and Minimum Premiums Colonial General evaluates each risk individually. While minimum premium details may vary by account and carrier, our underwriting team can assist in identifying the best fit for your client’s operations and coverage requirements. We work with a range of carriers, offering both admitted and non-admitted solutions depending on the specific state and risk characteristics. Territories and Availability This Building Material Trucking Insurance program is currently available in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Admitted markets are available in some states; please contact our team for state-specific options. Why Work With Colonial General Colonial General Insurance Agency is a Managing General Agency and Excess & Surplus Lines Broker with extensive experience in specialty transportation programs. We understand the unique needs of agents placing trucking and cargo-related risks and are committed to providing responsive service, competitive market access, and customized solutions. Whether you are placing coverage for an experienced hauler with multiple trucks or a new venture with one rig, we can help you deliver the right coverage for your client’s operation with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trucking operators who haul construction-related materials such as lumber, steel, roofing supplies, concrete forms, and insulation. Is there a radius limitation for cargo coverage?No, unlimited radius is available on all monoline cargo policies offered through this program. Can you write excess cargo coverage?Yes, we have markets that can provide excess coverage over primary cargo policies up to $750,000. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer admitted or non-admitted options?Some admitted markets are available depending on the state and risk profile. We also offer non-admitted solutions across our territories. Need help placing an account? Connect with a market specialist.