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...shops Body and collision shops Tire sales and installation Heavy truck r...es the program accessible to smaller dealers and start-ups. Are additional coverages like Workers Comp or Property available?Yes. Property and Workers’ Compensation can be offered alongside garage...

...gency, Inc. offers a comprehensive Tire Dealers Insurance Program designed specifically for tire dealers and related automotive busines...ates is this program available in?The Tire Dealers Insurance Program is offered in A...

...orcycle and RV servicing shops Tire dealerships, lube and oil change cente...r shops, lube and oil-change centers, tire dealers, muffler and transmission shops, and similar servicing operations ...

...s an excellent fit for retail pawn shops located in the Western U.S. that: ...This program is ideal for retail pawn shops that lend money on personal items ...

...dy shop, mobile repair service, or tire operation, our program is designed to ...perations with auto sales, including Dealers Physical Damage, subject to under...

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Policy Highlights: Whether your client needs coverage for a boat, trailer, or vehicle used in transport, Colonial General Insurance Agency, Inc. offers tailored Trailer Transport Insurance solutions. This program addresses the exposures faced by operators hauling cargo with trailers of all types. As a regional Managing General Agency and Excess & Surplus lines broker, Colonial General provides flexible access to specialty carriers and competitive markets across the Western U.S. Overview of the Program From Colonial General Colonial General’s Trailer Transport Insurance program is focused on transportation risks that arise when cargo is moved using trailers. We write business for independent operators and small fleets and can structure mono-line cargo placements or layered solutions with excess cargo protection. Our market relationships allow us to accommodate a range of cargo types and values while providing underwriting flexibility agents need to place non-standard or higher-value exposures. Ideal Accounts and Appetite This program is a strong fit for agents submitting: Independent transport operators using trailers to haul general freight Small to mid-sized logistics companies with dedicated trailer operations Refrigerated haulers and perishable-goods transports requiring refrigerator breakdown coverage Operators of boat and vehicle trailers or specialty-hauling operations Accounts needing mono-line cargo with no mileage restrictions or excess cargo limits Colonial General can also consider unique or higher-value cargo needs, subject to underwriting review. Accounts that are outside typical trucking program classes but have clear risk controls are often placeable through this offering. Coverage Highlights and Advantages Key features of the Trailer Transport Insurance program include: Unlimited radius on all mono-line cargo policies — suitable for long-haul operators Excess cargo coverage available over primary cargo policies for up to $750,000 Cargo limits up to $100,000, with refrigerator breakdown coverage where needed Loading and unloading exposures covered automatically in the premium These features help manage common transit exposures such as damage in transit, spoilage for refrigerated loads, and gaps between primary and higher-limit needs. Underwriting Notes and Minimum Premiums Underwriting is handled with flexibility and attention to operational detail. Colonial General evaluates accounts on cargo type, routing, handling practices, equipment condition, and loss history. We have access to both admitted and non-admitted markets depending on the state and the risk profile. Minimum premiums vary by market and carrier; submit full operational details for an accurate indication. 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) Why Work With Colonial General? Colonial General combines regional transportation expertise with market access suited to hard-to-place trailer transport risks. Our underwriters are responsive and experienced in structuring both basic mono-line cargo policies and layered excess placements. We work with specialty carriers that can address refrigerated loads, high-value shipments, and accounts that need broad geographic radius without mileage limits. Example placements you might bring to this program include a small carrier hauling refrigerated produce across multiple Western states that needs refrigerator breakdown coverage and higher cargo limits, or a recreational-boat transport operator who requires mono-line cargo protection for trailers and occasional high-value loads. Provide clear operational details and loss history to help us match the right market. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include independent cargo haulers, small transport fleets, and trailer operators moving general, refrigerated, or specialty goods. Is there a mileage restriction on cargo coverage?No. All mono-line cargo policies offer unlimited radius, making this program suitable for long-haul operations. Can this program cover refrigerated goods?Yes. Cargo limits up to $100,000 are available with refrigerator breakdown coverage included where applicable. Are excess cargo limits available?Yes. Colonial General can access markets that write excess over primary cargo for up to $750,000. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Policy Highlights for Truckers Insurance: Colonial General Insurance Agency, Inc. offers a Truckers Insurance program tailored for trucking operations and express delivery companies. Whether your client runs a single truck or a multi-vehicle fleet, with or without warehouse exposure, Colonial General can place coverage as a monoline or as part of a package to meet transportation and property needs. Ideal Accounts and Appetite This program is best for independent owner-operators, small to mid-sized fleet owners, and regional express delivery businesses. Colonial General will consider accounts with associated warehousing, refrigerated transport, and mixed cargo types. The program is especially useful for risks that do not cleanly fit standard market appetites or that need specialized liability, property, or warehouse legal liability terms. You might have a client who operates a regional express shipping company with a small warehouse in Utah, or an owner of refrigerated trucks servicing the Southwest — both are strong candidates for placement through this program. Coverage Highlights and Advantages Commercial General Liability Coverage available for truckers insurance: • Primary limits up to $3,000,000 per occurrence and aggregate • $5,000 Medical Payments Coverage — included • Additional Interests — $100 each • Excess or Umbrella limits available up to $25,000,000 Crime Coverage available: • Inside the Premises — Theft of Money and Securities • Inside the Premises — Robbery or Safe Burglary of Other Property • Outside the Premises Property Coverage available: • Accounts Receivable • Basic, Broad, or Special Forms • Building and Contents • Business Income and Equipment Breakdown • Computer Equipment and Food Spoilage • Outside Signs • Replacement Cost or ACV valuation • Valuable Papers • Warehouse Legal Liability — up to $50,000 Underwriting Notes Colonial General places Truckers Insurance on admitted or non-admitted paper depending on the carrier appetite and state. The MGA works with multiple carriers to provide flexible underwriting and placement options. Minimum premiums and specific terms vary by market and risk characteristics; discuss details with a Colonial General market specialist when submitting. Territories and Availability This Truckers Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General’s regional underwriting expertise in these Western states helps when placing accounts with localized exposures or state-specific requirements. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General has targeted experience placing transportation and warehouse-related risks. Agents benefit from: access to multiple carriers, underwriting flexibility for non-standard accounts, and program terms that can include both liability and property solutions. If you have transportation business that’s hard to place in the admitted market, Colonial General is positioned to help find capacity and structure coverage. Frequently Asked Questions What types of accounts are a good fit for this Truckers Insurance program?This program is ideal for small to mid-sized trucking companies, independent owner-operators, express delivery firms, and accounts that include warehousing or refrigerated transport exposures. Can I submit risks with warehousing and refrigeration exposures?Yes. Colonial General will consider accounts with on-site warehousing and refrigerated transport, subject to details of operations, values, and loss-control measures. Is this program available on an admitted basis?Some markets are available on an admitted basis while others may be placed non-admitted. Availability depends on the state, carrier, and risk profile. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the liability coverage?Primary general liability limits are available up to $3,000,000 per occurrence/aggregate, and excess or umbrella limits can be placed up to $25,000,000 depending on the carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Welding Insurance program designed for contractors performing welding or cutting services for others. This program is ideal for accounts with limited exposure—specifically, those with no more than 15% of their gross receipts coming from metal erection or machinery/equipment installation, servicing, or repair. It is not intended for risks primarily involved in fabrication work. Ideal Accounts and Appetite This program targets small to mid-sized mobile or on-site welding contractors. Suitable accounts include independent welders performing repairs, maintenance, or specialty welding in commercial or industrial settings. For example, if you have a client who performs mobile welding on construction sites but has minimal involvement in structural steel erection, this program could be a strong fit. Accounts that focus heavily on fabrication or have significant exposures related to equipment installation or servicing are outside the appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3 million occurrence/aggregate Medical Payments Coverage included with a $5,000 limit Excess or Umbrella limits up to $25 million available Minimum deductible of $500 applies Crime Coverage: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Property Coverage Options: Basic, Broad, or Special Form Building and Business Personal Property Accounts Receivable Business Income Computer and Contractors’ Equipment Equipment Breakdown and Installation Floater Outside Signs Valuable Papers Replacement Cost or Actual Cash Value Underwriting Notes and Minimum Premiums While underwriting flexibility is available, a minimum deductible of $500 is required. Accounts should be well-managed with a clear focus on welding or cutting services. Risks primarily engaged in fabrication are not eligible. Submit complete applications with accurate revenue breakdowns to ensure proper classification and pricing. Territories and Availability This Welding Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options are available, depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty contractor programs. By working with Colonial General, you gain access to a variety of markets and tailored underwriting support for welding-related accounts. Their focus on regional availability and practical coverage solutions makes them a valuable partner for agents and brokers placing niche contractor risks. Frequently Asked Questions What types of accounts are a good fit for this Welding Insurance program?Independent welding contractors who perform on-site or mobile services with limited involvement in metal erection or equipment installation are a good fit. Fabrication-focused businesses are not eligible. Is the program available on an admitted basis?Some markets are available on an admitted basis, depending on the state and nature of the risk. Non-admitted options are also offered. What is the maximum liability limit available?The program offers primary liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million. In which states is the program currently available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What are common reasons a risk may not be eligible?Risks primarily involved in fabrication, or those with more than 15% of receipts from metal erection or equipment installation, generally do not qualify. Need help placing an account? Connect with a market specialist.