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Metcom Excess – Trucking Insurance Since 1993, Metcom Excess has focused on trucking insurance solutions for a broad rang... risk profile. Which states is this Trucking Insurance program available in?Th...

...ncy, Inc. offers an Intermediate Trucking Insurance program tailored for local and regional trucking operations. Designed for both for-hi...admitted markets available for this trucking program?Yes. Admitted markets are...

...Underwriters, offers a dedicated Trucking Insurance program designed to meet the unique needs of the commercial trucking industry. With access to respected c...overages are available through this trucking program?Coverages include Auto Li...

...ram tailored to a broad range of trucking risks. Whether your client operates ... optional Motor Truck Cargo and Non-Trucking Liability (NTL) coverages. Limits...

... range of markets for Commercial Trucking Insurance, tailored to local, interm...ram available in?We currently offer trucking insurance solutions in GA, IL, IN...

...ovides Alternative Solutions For Trucking Insurance Commercial Sector Insura...of accounts are a good fit for this Trucking Insurance program?This program works well for for-hire trucking operations, owner-operators, smal...

Metcom Excess - Trucking Insurance Since 1993, Metcom Exces...nd WI. Can you consider new venture trucking operations?Yes, new ventures are ...

...ers fast, flexible solutions for trucking clients of all types—including hard-...aking it a great option for startup trucking operations. What carrier rating b...

Policy Highlights: Colonial General Insurance Agency, Inc. offers targeted coverage solutions for water truck operations through its Water Truck Insurance program. This program is designed for both "for hire" and "not for hire" operations and pairs flexible liability limits with optional physical damage protection and territory choices to fit common contractor and municipal hauling exposures. Overview of the Program From Colonial General This program is underwritten and placed by Colonial General as a Managing General Agency and Excess & Surplus lines broker. It provides agents with access to multiple markets (carriers vary) and can be positioned as admitted in some states or placed non-admitted where necessary. The program focuses on water trucks used for dust control, construction compaction, landscaping, agricultural use, and municipal or utility support. Coverage Highlights For hire and not for hire operations accepted. Liability limits up to $1,000,000 Combined Single Limit (CSL). Physical damage coverage available with deductible choices typically ranging from $500 to $5,000. Radius options available up to 500 miles to accommodate regional hauling operations. Carrier availability varies by account and state — Colonial General uses multiple markets to place risk. Ideal Accounts and Appetite This program suits a range of small- to mid-sized commercial accounts that operate water trucks as their primary or supporting equipment. Typical good-fit classes include: Construction contractors providing dust control and compaction services. Aggregate and paving companies that use water trucks on- and off-site. Municipal agencies or public works departments with municipal water truck fleets. Landscape and irrigation contractors operating water-bearing trucks for dust suppression or watering jobs. Accounts with professional, experienced drivers, documented maintenance programs, and moderate annual mileage are preferred. High-risk operations (e.g., longhaul interstate tanker operations, oilfield fluid hauling, or those with significant lapse in maintenance records) may be declined or submitted to specialized markets only. Underwriting Notes and Submission Guidance When preparing submissions, include the following to improve placement chances: Current driver MVRs and company driving policy. Vehicle schedule with year, make, model, GVW, and serial numbers. Hours of operation, typical radius, and primary use of the water truck (dust control, hauling potable water, etc.). Loss history for the past 3–5 years and details on any significant claims. Details on safety, training, and maintenance programs. If you are unsure about minimum premiums or any program thresholds, note that minimum premium levels and specific terms vary by carrier — please contact Colonial General to confirm current minimums and available deductibles for the target state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Because admitted availability is limited in some states, Colonial General will place eligible accounts on admitted paper where markets permit and on E&S in other jurisdictions. Confirm admitted vs. non-admitted options on a per-submission basis. Why Work With Colonial General on Water Truck Accounts Specialized underwriting experience placing water truck and construction support fleets. Access to multiple carriers and E&S capacity to find solutions for tougher risks. Flexible liability limits and physical damage options that align with contractor needs. Responsive submission review and underwriting guidance to help you prepare a complete file. Example scenarios: You have a local paving contractor running two water trucks for dust control and compaction within a 150-mile radius. This program can provide liability up to $1,000,000 CSL and physical damage with a deductible that fits the client’s budget. A municipal public works department wants coverage for a small fleet of water trucks used seasonally. Colonial General can evaluate admitted options where available or place appropriate E&S coverage to meet the entity’s needs. Next Steps for Agents Prepare a complete submission with vehicle and driver details, loss history, and usage information. Colonial General underwriters will review for appetite and advise on admitted vs. non-admitted options and any available deductible choices. For current carrier availability and exact program terms, submit via your usual broker channel or contact Colonial General directly to discuss the account. Frequently Asked Questions What types of water truck operations are a good fit for this program?Construction contractors, paving and aggregate companies, municipal public works, and landscape contractors using water trucks for dust control, compaction, and similar local hauling tasks are typically a good fit. Longhaul tanker operations or oilfield fluid hauling are generally outside the appetite. What liability and physical damage options are available?The program offers liability limits up to $1,000,000 CSL and physical damage with deductible options usually ranging from $500 to $5,000. Exact limits and deductibles depend on the carrier selected for the account. Are admitted policies available?Some admitted markets are available depending on the state and account characteristics. Where admitted placement is not available, Colonial General can place coverage through Excess & Surplus lines markets. Confirm admitted availability on each submission. What information should I include with a submission to speed placement?Provide vehicle schedules, driver MVRs, a clear description of operations and typical radius, maintenance and safety program details, and loss history for the last 3–5 years. Complete submissions result in faster and more competitive placement. Need help placing an account? Connect with a market specialist.

Policy Highlights: Heavy truck sales and repair operations have complex garage, liability and physical damage exposures. Colonial General Insurance Agency, Inc. offers a targeted program — Heavy Truck Sales and Repair Shop Insurance — designed for agents placing commercial garage and dealer risks across the Mountain West and Southwest. The program combines specialized garage liability, garagekeepers and dealers physical damage options with in-transit and towing coverages to address the most common heavy-truck exposures. Overview of the Program from Colonial General Insurance Agency, Inc. As a Managing General Agency and Excess & Surplus Lines broker, Colonial General places heavy truck sales and repair risks with a variety of admitted and non-admitted markets (Some Available Markets). The program offers flexible limits and coverages tailored for medium to large commercial garage operations, heavy truck dealerships and mobile repair contractors. Carriers vary by state and account characteristics. Ideal Accounts and Appetite Heavy truck dealerships and resale yards that also perform on-site repairs. Full-service repair shops specializing in heavy trucks, trailers and heavy equipment. Mobile heavy truck repair contractors servicing fleet accounts or roadside repairs (acceptable). Towing and in-transit operations associated with sales or repair activities. Accounts that generally do not fit: businesses that perform liquefied petroleum gas (LPG) equipment repairs and facilities that do refrigeration or HVAC unit repair — these are specifically prohibited. Coverage Highlights and Advantages Commercial garage coverage with up to $3,000,000 liability aggregate. Garage liability limits available up to $1,000,000 per accident. Garagekeepers coverage available on a primary basis (specified causes of loss). Dealers physical damage and in-transit coverage for towing operations. Broadened coverage options and fire legal liability included as available. $5,000 medical payments (as part of standard offerings). Property coverage can be added where needed. Underwriting Notes and Restrictions Underwriters will review the applicant’s loss history, shop operations, types of vehicles serviced, and any towing/in-transit exposure. Mobile repair operations are acceptable; however, repairs involving liquefied petroleum gas equipment or refrigeration units are excluded. Garagekeepers coverage is offered on a primary basis but limited to specified causes of loss, so review storage and customer vehicle exposure carefully. Because carriers vary, admitted availability depends on the state and account specifics — Colonial General can place some accounts in admitted markets and others in E&S. Provide complete operation descriptions, estimated payroll, annual receipts, and detailed loss runs to help secure the most competitive placement. Territories and Availability The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Coverage forms, endorsements and admitted status can differ by state; Colonial General will identify admitted options where available and use E&S markets when necessary. Why Work with Colonial General Insurance Agency, Inc.? Colonial General combines garage-focused underwriting expertise with access to multiple carriers to handle complex heavy truck sales and repair risks. Agents benefit from tailored coverage options (garage liability, dealers physical damage, garagekeepers, in-transit), flexible limit structures and a willingness to consider mobile repair and towing operations that many standard markets decline. The MGA/E&S placement capability helps fill gaps when admitted markets are limited. Example account scenarios You have a heavy truck dealership that sells used trucks and operates an on-site repair bay: the program can combine dealers physical damage with garage liability and garagekeepers on a primary basis. You represent a mobile heavy-truck repair contractor servicing regional fleets: Colonial General can consider in-transit and towing exposures as part of a broader garage package. Frequently Asked Questions What types of accounts are a good fit for this program?Heavy truck dealerships, full-service repair shops, and mobile heavy truck repair contractors are the primary targets. Towing/in-transit exposure related to sales and repair operations is also supported. Are mobile repair operations accepted?Yes. Mobile heavy truck repair is acceptable under this program, but detailed operations and exposures must be disclosed for underwriting review. Which coverages and limits are available?The program offers commercial garage coverage with up to $3,000,000 aggregate, garage liability limits up to $1,000,000 per accident, garagekeepers (primary, specified causes), dealers physical damage, in-transit coverage and property options. Specific offerings depend on carrier and state. Are any repairs or services excluded?Yes. Repairs to liquefied petroleum gas (LPG) equipment and work on refrigeration units are prohibited under this program and will render an account ineligible. Need help placing an account? Connect with a market specialist.