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Policy Highlights: Jeep tour operations present unique risks that r...altered vehicles or high-risk extreme tours. Need help placing an account? C...

...are centers that operate passenger vans to transport children to and from the ...l day care centers that use passenger vans to transport children are the prima...

...tion they need for their passenger vans and transport operations. Reach out to...and elder care providers that operate vans for non-emergency transportation un...

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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.

...ng guides Hiking and backpacking tour providers Cross-country skiing instr...

...production teams rather than large touring acts or major theatrical production...for large-scale productions, national touring acts, venues with professional r...

Policy Highlights: Trailer sales and repair operations carry distinct garage, inventory, and in-transit exposures that need specialized placement. Colonial General Insurance Agency, Inc. offers a tailored Trailer Sales and Repair Insurance program that helps agents and brokers place dealership, service, fabrication, and towing-related risks with market access 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 longstanding relationships across admitted and non-admitted markets. This Trailer Sales and Repair program is designed for businesses that sell, service, customize, or tow trailers. We work with a variety of carriers to match coverages to the account’s operations, risk profile, and state regulatory requirements. Ideal Accounts and Appetite This program is a good fit for independent agents placing: Trailer dealerships (new and used inventory) Trailer repair or service shops and mobile service providers Trailer customization, welding, or fabrication businesses Operations with incidental towing or customer pickup/delivery of trailers Not eligible: rental operations and businesses that provide rented storage space. Ineligible exposures typically include fleet rental programs, large-scale public storage operations, or businesses with significant rented-storage income. You might have a client who operates a rural trailer dealership with attached service bays and customer demos, or a repair shop that tows customer units — both are the type of accounts this program targets. Coverage Highlights and Advantages The program provides broad garage-related liability and property protections tailored for trailer dealers and repairers: Garage Liability: Limits up to $1,000,000 per accident with higher aggregate capacity available (up to $3,000,000 aggregate) Medical Payments: $5,000 standard Garage Keepers: Primary basis coverage with specified causes of loss Dealers Physical Damage: Coverage options for owned inventory and customer trailers False Pretense Coverage: Available to address theft-by-deception exposures Fire Legal Liability: Included Broadened Coverage Endorsements: Available to expand protection as needed In-Transit Coverage: For towing and delivery operations Optional Property Coverage: Buildings, contents, tools, and business income can be added Underwriting Notes and Minimum Premiums Colonial General performs case-by-case underwriting to determine market placement. Key considerations include location, operations (sales vs. service vs. fabrication), inventory values, tow/in-transit exposure, and loss history. There is no single published minimum premium; pricing will vary based on the account’s size and exposures and may sit in admitted or E&S markets depending on the state and details. Territories and Availability The program is available in the following western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some carriers are admitted in certain states while others are offered on a non-admitted basis; availability will be confirmed during submission and quote review. Why Work With Colonial General? Colonial General combines niche underwriting experience with access to multiple admitted and non-admitted markets, giving agents a responsive partner for placing trailer dealers and repair shops. Our team understands common loss drivers in this segment — inventory exposures, customer property risks, towing liability, and fabricated equipment — and can help structure coverages to reduce gaps and improve insurability. To start a submission or learn more about placement options, visit the Colonial General company page or the program page on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include trailer dealerships, repair shops, and service centers that do not provide trailer rentals or rented storage space. Is property coverage available in this program?Yes. You can add property coverage to protect buildings, business personal property, tools, inventory, and business income where available. Are towing and in-transit exposures covered?Yes. In-transit coverage for towing and delivery operations is included; limits and terms depend on the submission details. Can I place business in all 8 states listed?Yes. The program accepts submissions in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets will be admitted and others non-admitted depending on the state and risk. What is excluded from coverage?Rental operations and rented storage space are specifically excluded from this program. Need help placing an account? Connect with a market specialist.

Overview — Colonial General Insurance Agency, Inc. Airport Shuttle Insurance Colonial General Insurance Agency, Inc. offers a targeted airport shuttle program designed for agents who need a flexible market for passenger transport and light cargo operations. This program combines auto liability, physical damage, cargo, and excess auto capacity to cover common exposures faced by shuttle and transfer operators. As a managing general agency and excess & surplus lines broker, Colonial General places business through admitted and non-admitted markets depending on state availability and risk characteristics. Ideal Accounts and Appetite Small to medium shuttle fleets (hotel, airport transfer, corporate shuttles, connector services). Operators carrying passengers and their baggage or light cargo, including food/catering runs tied to terminal operations. For-hire shuttle services with scheduled routes or on-demand airport transfers. Accounts with good driving records, documented maintenance programs, and clear operating radii. Accounts that typically do not fit include high-hazard operations (e.g., open cargo hauling, night-time unescorted intercity long-haul with excessive miles), excessively large fleets without loss control, or operations with poor loss history. Coverage Highlights and Advantages Liability: limits available up to $1,000,000 CSL; additional limits available up to state or federal requirements with per vehicle limits provided up to $1.5 million. Physical damage: full coverage offered with deductible options from $500 to $5,000 to fit different retention preferences. Cargo: limits up to $100,000 with refrigerator breakdown coverage included where applicable. Radius options: flexible territory limits up to 500 miles to support regional operations. Excess auto: capacity available to layer over primary limits for accounts needing higher limits. Placement flexibility: Colonial General works with a variety of markets and carriers; appetite and admitted availability vary by state and risk profile. Underwriting Notes and Typical Requirements Underwriting focuses on operations, loss history, driver qualification, vehicle condition, and radius. Typical information required at submission includes a driver roster and MVRs, up to three years of loss runs, a current fleet schedule with seating capacities and vehicle values, and a description of routes and any cargo types carried. Deductible selection, radius, and passenger exposure will materially affect pricing and placement. Because admitted markets are available in some states but not all, Colonial General frequently accesses both admitted and E&S capacity—ask the underwriter about admitted availability for the specific state and account. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage and admitted options vary by state; Colonial General places accounts in admitted markets where possible and uses excess & surplus capacity for higher-risk or out-of-territory placements. Why Work With Colonial General on Airport Shuttle Business Specialized program tailored to shuttle and passenger transport exposures. Flexible limits and deductible choices to match a range of fleet sizes and risk tolerances. Access to multiple carriers and market appetite — underwriter will evaluate admitted vs. non-admitted placement based on the account. Practical underwriting approach focused on operations and loss control, helping improve placement outcomes for well-managed accounts. Agent Scenarios Example 1: You have a boutique hotel with a three-vehicle shuttle that transports guests to the local airport. The fleet has clean driving records and routine maintenance—this program can provide primary liability, physical damage, and cargo protection with a competitive deductible. Example 2: You represent a regional airport transfer operator that also delivers catering items to terminals. Cargo coverage with refrigerator breakdown included and a 500-mile radius option make this program a practical fit for combined passenger/cargo exposures. Frequently Asked Questions What types of airport shuttle accounts are a good fit for this program?This program is aimed at small to medium passenger shuttle operations—hotel shuttles, scheduled airport transfers, corporate connectors, and similar services that maintain driver qualification, vehicle maintenance, and reasonable radius controls. Which coverages and limits are available?Coverage includes auto liability, physical damage, cargo (with refrigerator breakdown where needed), and excess auto. Liability limits are available up to $1,000,000 CSL, with higher per-vehicle limits up to $1.5 million and cargo limits up to $100,000 depending on the account. Are admitted markets available?Some admitted markets are available depending on state and risk characteristics. As an MGA and E&S broker, Colonial General can place business in admitted or non-admitted markets based on the account and state rules—ask the underwriter for admitted availability in the specific state. What underwriting information should I include with a submission?Include a current fleet schedule, driver roster and recent MVRs, three years of loss runs if available, vehicle values, seating capacities, and a description of typical routes and cargo types. These items speed underwriting and improve placement chances. How are deductibles and territory handled?Physical damage deductibles range from $500 to $5,000. Radius options are available up to 500 miles to support regional operations—both deductible and territory selections influence pricing and market access. 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.