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...dedicated trailer operations Refrigerated haulers and perishable-goods trans...perations. Can this program cover refrigerated goods?Yes. Cargo limits up to $...

...ansporting general freight Refrigerated carriers hauling perishable goods ...ly those hauling general freight, refrigerated goods, or livestock. Can new ve...

...s of new and used vehicles Refrigerated Goods Carriers – including account...overage is available for eligible refrigerated cargo risks. What states is thi...

...nd Less Than Truckload (LTL) Refrigerated Goods Intermodal Freight Agric...nsporters including dry van, LTL, refrigerated, intermodal, and agricultural r...

...hat needs cargo protection for refrigerated feed deliveries—this program is de...

...lers Flatbed operators Refrigerated (reefer) transporters Tanker o...well-suited for dry van, flatbed, refrigerated goods, tankers, auto haulers, b...

...nclude: • Dry Van • Refrigerated • Intermodal • Tanker ...ities, including general freight, refrigerated goods, household items, and mor...

From short haul to long haul Maritime Program Group (MPG) offers a focused Motor Truck Cargo Insurance program built for a wide range of trucking operations — from single owner-operators to large national fleets. Backed by over 20 years of motor truck cargo underwriting experience and access to exclusive programs placed with A.M. Best “A” rated carriers, MPG gives agents a practical option for placing hard-to-place cargo exposures with responsive, experienced underwriters. Ideal Accounts and Appetite Long- and short-haul trucking operations Owner-operators and fleet operators of varying sizes Furniture movers, car and boat haulers, and household goods movers Freight forwarders, rigging contractors, and specialty haulers New ventures and trip-transit exposures MPG’s flexible underwriting approach lets you place accounts that might be difficult to bind elsewhere — whether the client hauls general commodities, perishables, or higher-value freight. Coverage Highlights and Advantages Non-scheduled policies for operational flexibility across loads No radius limitations — suited for local, regional, and national hauls Terminal coverage and warehouse legal liability available Loading and unloading coverage included to reduce gaps during handling Refrigeration breakdown and contingent cargo solutions for temperature-sensitive shipments These coverages help manage financial exposures from damaged, lost, or stolen cargo, and address liability while cargo is handled, stored, or in transit. Why Work With Maritime Program Group Direct access to in-house underwriters with deep transportation expertise Exclusive program access with A-rated carriers Prompt policy and endorsement issuance to keep accounts moving Responsive service and proactive communication throughout binding and claims Competitive commission schedules and flexible billing options Tools and services to support loss prevention and risk management MPG empowers agents to confidently place cargo coverage for complex and emerging risks with an underwriting partner that understands the trucking business. Territories and Availability The Motor Truck Cargo program is available in all 50 states and Washington, D.C. Policies can be issued on an admitted or non-admitted basis depending on the state and risk. Coverage is placed through A-rated carriers where applicable. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include owner-operators, regional and national fleets, freight forwarders, car and boat haulers, and movers. New ventures and trip-transit exposures are also considered. Is there a radius limitation for coverage?No. This program does not impose a radius limitation, making it suitable for local, regional, and long-haul operations. Can I place business for clients who store cargo in terminals or warehouses?Yes. Terminal coverage and warehouse legal liability options are available to protect cargo while stored or handled off the truck. Are refrigeration breakdown and contingent cargo included?Yes. MPG offers refrigeration breakdown coverage and contingent cargo solutions to address temperature-sensitive and interline risks. Who underwrites the policies?Underwriting is handled in-house by Maritime Program Group’s experienced transportation team, providing fast, knowledgeable decisions and direct access for agents. Need help placing an account? Connect with a market specialist.

Policy Highlights: As a lunch wagon or food truck owner, your vehicle is more than transportation—it is the core of the business. Colonial General Insurance Agency, Inc. offers a Lunch Wagon Insurance program to help agents place coverage for mobile food vendors operating across the western U.S. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of admitted and non-admitted carriers. This Lunch Wagon Insurance program is designed for independent agents and brokers who need flexible, market-access solutions for mobile food-service clients. Whether your client runs a single lunch wagon or a small fleet of food trucks, the program provides targeted coverages and underwriting support tailored to the industry’s exposures. Ideal Accounts and Appetite This program targets mobile food vendors, including: Lunch wagons Food trucks and concession trailers Mobile kitchen vehicles with permanently mounted equipment We prefer operators with permanently mounted cooking or refrigeration equipment and those working regionally (up to a 500-mile radius). The program considers both start-ups and established businesses; underwriting evaluates experience, vehicle condition, and operations when determining eligibility. Coverage Highlights and Advantages Key features agents can offer through this program include: Physical damage coverage for the vehicle and permanently mounted equipment (stoves, grills, refrigeration, etc.). Liability limits up to $1,000,000 CSL to satisfy contract and municipal requirements. Deductible flexibility with options typically from $500 to $5,000 to match client budgets. Radius options—coverage available for operations up to 500 miles for regional vendors. Cargo and spoilage protection—limits up to $100,000 including refrigerator breakdown coverage for perishable inventory. Underwriting Notes Underwriting considers vehicle type, age and condition, permanently installed equipment value, radius of operation, loss experience, and operator experience. Colonial General leverages multiple markets to place risks that may be difficult to write in standard markets. Minimum premiums and admitted availability vary by state and specific risk characteristics. Territories and Availability The Lunch Wagon Insurance program is available to agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are admitted in select states; other placements may be written non-admitted depending on the risk profile and state rules. Why Work With Colonial General? With decades of specialty risk experience and a regional focus, Colonial General provides access to niche markets and responsive underwriting. Agents benefit from our knowledge of mobile food exposures, our ability to place hard-to-write risks, and timely support to secure coverage that fits contractual or municipal requirements. Our team helps you match appropriate limits, deductibles, and ancillary coverages to each client’s operation. Frequently Asked Questions What types of accounts are a good fit for this program?Mobile food vendors such as lunch wagons, food trucks, and mobile kitchen vehicles with permanently mounted equipment are ideal for this program. Can new businesses or startups qualify for coverage?Yes. Start-ups may be considered; underwriting reviews operator experience, vehicle condition, equipment, and operational details. What is the maximum radius of operation allowed?The program offers radius options up to 500 miles to accommodate most regional food truck businesses. Is refrigerator breakdown covered under the cargo limit?Yes. Refrigerator breakdown protection is available under the cargo/spoilage coverage, with limits that can go up to $100,000 depending on the account. Which states is this program available in?The Lunch Wagon Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...s across state lines or moving refrigerated units to a job site, this program ...