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Amwins Program Underwriters' Trailer & Work Truck Manufacturers insurance program is tailored for agents placing coverages for clients that manufacture, distribute or install truck bodies, trailers and specialized equipment. The program is offered on an admitted basis unless otherwise indicated and is designed to address the unique liability and property exposures of trailer builders and work-truck body manufacturers. Program Sweet Spot Target accounts include manufacturers, distributors and installers of truck bodies, trailers and mounted equipment. This program is not available for RVs, buses, campers or unrelated vehicle conversions. Eligible Risks and Revenue Tests To qualify: At least 75% of a company's revenue must come from truck equipment manufacturing or installation. Trailer manufacturers must generate at least 90% of sales through trailer dealers. Truck equipment covers equipment designed to mount on bare truck chassis to convert the truck to a special-use vehicle, including but not limited to: Ambulance / emergency response trucks Beverage trucks Dump trucks Fire trucks Tow trucks Utility trucks Eligible Types of Trailers Eligible trailers include (but are not limited to): Utility trailers Cargo trailers Heavy equipment trailers Semi-trailers Coverage Highlights This program provides package solutions that can be combined to match an account's exposures. Available coverages include: General Liability including Product Liability Property Inland Marine Crime Equipment Breakdown Cyber Automobile Umbrella Workers' Compensation Underwriting Notes Underwriters look for clear revenue segmentation that demonstrates a primary focus on truck equipment or trailer manufacturing. Typical considerations include: Percentage of sales from manufacturing vs. repairs, service or unrelated business lines. Distribution channel for trailers (dealer-direct sales requirement for trailer manufacturers). Product testing, quality control and installation procedures for mounted equipment. Completed operations and product liability exposures tied to mounted bodies and trailers. Provide detailed loss runs, description of product types, photos of operations and installation practices to speed placement. Availability Available in all U.S. states and the District of Columbia. States served: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Place This Business With Amwins Underwriting As a Managing General Agency working with markets such as Markel, Amwins Underwriting combines specialty underwriting expertise and admitted paper to provide capacity for niche truck equipment and trailer risks. The program is structured to handle product liability and completed operations exposures common to manufacturers and installers while offering complementary property and inland marine options for equipment and finished units. Example Accounts A regional company that fabricates utility bodies and installs service cranes on flatbeds—75%+ revenue from manufacturing/installation and standard dealer distribution for any trailers—seeking GL, auto and inland marine coverage. A trailer manufacturer that sells primarily through dealers (90%+ dealer sales), requesting combined property, product liability and umbrella limits for completed trailers and transit exposures. Submission Guidance To submit accounts or request a quote, send complete submissions (ACORD applications, current loss runs, product descriptions and photos) to: [email protected]. Carrier & Program Positioning Carrier relationships (for example: Markel) provide admitted capacity and program consistency. Amwins Underwriting positions accounts with underwriters who understand the manufacturing and installation life cycle—from fabrication to dealer distribution and service—so you can place accounts with fewer gaps in coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Manufacturers, distributors and installers whose primary business is truck equipment manufacturing or trailer production—generally where at least 75% of revenue is from truck equipment work, or where trailer manufacturers sell at least 90% through dealers. Is this program offered on admitted paper?Yes. The Trailer & Work Truck Manufacturers program is provided on an admitted basis unless otherwise indicated by underwriting. Which coverages can be packaged through this program?Commonly packaged coverages include General Liability (with Product Liability), Property, Inland Marine, Automobile, Umbrella and Workers' Compensation, plus optional coverages like Cyber, Equipment Breakdown and Crime when appropriate. What do underwriters want to see on submission?Provide ACORD applications, current loss runs, detailed product descriptions, installation procedures and photos of the manufacturing facility and finished units. Clearly document revenue breakdowns to show the required percentage from truck equipment or dealer sales for trailers. Need help placing an account? Connect with a market specialist.

Primary Personal Umbrella Insurance True umbrella coverage over primary liability limits Limits available up to $5 million Typical underlying requirements: CPL 300 CSL, auto 250/500/100; watercraft 300 CSL or 500 CSL depending on the craft Will accept youthful drivers with 250/500/100 auto limits Will consider applicants with DUIs and alcohol-related violations Applicants over 70 years — no medical required Named insured can be an individual, trust, estate or LLC Will accept ATVs, motorcycles, mopeds, snowmobiles (underlying auto limits 250/500/100) Excess Personal Umbrella Insurance Limits up to $5 million Excess over another carrier’s umbrella Follows the form of the underlying umbrella Target Personal Umbrella Insurance Limits up to $5 million Program designed for high-profile individuals — actors, sports personalities, musicians, and similar exposures Underlying requirements: CPL 300 CSL; auto 500/500/100; watercraft 500 CSL or 500/500/100 Risks with lower underlying limits (250/500/100) may be acceptable in some cases The personal lines team at J.M. Wilson is focused on helping independent agents place personal umbrella business efficiently. A few service and capability highlights: 24-hour turnaround on quotes — most often same day Direct billing available for many personal lines accounts Underwriters available to assist with online rating, phone quotes, coverage questions and financing options Current success with accounts such as dwelling/fire, homeowners (including high-value homes), personal inland-marine (including mini-storage contents), personal umbrella (including higher-risk drivers), and in-home business risks All J.M. Wilson personal lines markets are "A" rated For more information on J.M. Wilson personal lines, visit: www.jmwilson.com Overview of the Program from J.M. Wilson Corp. J.M. Wilson Corp. offers primary, excess and target personal umbrella solutions written through admitted and non-admitted markets to give agents flexible placement options. Limits are available up to $5 million, and the program is designed to handle standard household umbrella exposures as well as higher-profile and higher-risk applicants that need broader capacity than standard markets provide. Ideal accounts and appetite Private individuals and families seeking higher liability limits above homeowners and auto policies High-net-worth or high-profile insureds who need specialized umbrella follow-form coverage Clients with non-standard driver histories (including DUIs or youthful drivers) — subject to underlying limit requirements Households with recreational exposures: boats, ATVs, motorcycles, snowmobiles and in-home business operations Coverage highlights and advantages True umbrella coverage that drops down over primary liability limits when required Flexible underlying limit allowances for primary and excess placements Programs tailored for celebrity/public-figure exposures with enhanced limits and forms Quick turnaround and responsive underwriting — helpful when clients need timely bindable options Underwriting notes Typical underlying limit expectations: CPL 300 CSL; autos generally 250/500/100 or 500/500/100 for target accounts Program is willing to consider youthful drivers and certain driving violations; specific acceptances are determined by underwriting review Named insured may be an individual, trust, estate or LLC — useful for complex ownership or estate planning situations For high-profile target placements, expect higher underlying auto limits and tailored forms J.M. Wilson represents a mix of admitted and non-admitted carriers — placement will depend on state availability and risk characteristics Territories and availability This program is available in: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. Placement options may vary by state based on admitted vs. excess & surplus capacity. Why work with J.M. Wilson on personal umbrella business Market access — multiple admitted and E&S carriers provide flexibility to place non-standard and complex accounts Underwriting support — direct access to experienced underwriters and online rating tools speeds quoting Service-oriented — fast turnaround, direct billing options, and underwriting consultation help you close business Specialized programs — target offerings for high-profile insureds and excess follow-form solutions when primary umbrella exists Example scenarios You have a homeowner with a DUI on their record and recreational watercraft exposure: J.M. Wilson’s primary umbrella may provide $1M–$5M limits with acceptance of certain alcohol-related violations. A local actor needs higher liability limits and follow-form excess coverage over an existing umbrella: J.M. Wilson’s target/excess options can be evaluated to match the underlying forms. Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson’s Personal Umbrella programs?Good fits include private individuals and families needing limits above standard homeowners/auto policies, high-profile or high-net-worth insureds, households with recreational vehicle exposures, and applicants with certain non-standard driving histories who meet underlying limit requirements. What underlying limits are typically required?Typical underlying expectations are CPL 300 CSL and auto limits of 250/500/100 for standard primary umbrella placements. Target and high-profile accounts generally require higher underlying auto limits such as 500/500/100. Exact requirements are verified during underwriting. Are these programs available in my state and are they admitted?The program operates in AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. J.M. Wilson places business through both admitted and non-admitted carriers; placement depends on state rules and the specific risk profile. How quickly can I get a quote or bind coverage?J.M. Wilson aims for a 24-hour turnaround on quotes and most often returns same-day. Underwriters are available for online rating and phone quotes to help expedite submissions. Need help placing an account? Connect with a market specialist.

Transportation and Trucking Coverage from U.S. Risk Insurance Gr...ved in local or selective long-haul trucking, delivery, or specialized hauling...

McGowan Excess & Casualty Excess Auto Umbrella Insurance Overview of the Program From McGowan McGowan Excess & Casualty, part of The McGowan Companies, offers a specialized Excess Auto Umbrella Insurance program designed for high-risk auto-related operations. This program provides flexible umbrella and excess liability solutions tailored for commercial auto clients with significant exposure. As a Managing General Underwriter (MGU), McGowan has access to a broad range of markets and underwriting expertise, helping agents secure competitive and comprehensive coverage for hard-to-place or high-limit accounts. Ideal Accounts and Appetite This program targets a wide range of transportation-related and delivery-focused operations, including but not limited to: School Bus Operators Shuttle Buses Non-Emergency Medical Transportation (NEMT) Ambulances Sand & Gravel Haulers Mix-in-Transit Vehicles Water Haulers Trash/Garbage Hauling Companies Beverage Distributors Fuel Oil Delivery Services If you have clients in these industries that require higher liability limits due to contracts, municipal requirements, or elevated exposures, this program may be a strong fit. Coverage Highlights and Advantages McGowan offers both Commercial Umbrella and Follow Form Excess Liability products to meet a variety of coverage needs. Whether your insured needs coverage over auto, general liability, or employer’s liability, McGowan can help structure a layered solution. Umbrella Limits: Starting at $1 million, with capacity up to $100 million Excess Layers: Available from $1 million to $100 million above a lead umbrella Coverage Types: Commercial Umbrella Liability and Follow Form Excess Liability This flexibility allows you to build coverage towers that align with your client's contractual obligations or internal risk management strategies. Underwriting Notes and Minimums McGowan typically requires an A- / VII AM Best rating on underlying carriers, although exceptions may be considered for Employer’s Liability carriers. Their underwriting team understands niche transportation risks and can work with you to evaluate complex accounts. No specific minimum premium is listed, but pricing will reflect the risk class, limits requested, and territory. Territories and Availability The Excess Auto Umbrella Insurance program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Most options are offered on a non-admitted basis, providing greater flexibility for tailored solutions. Why Work With McGowan McGowan Excess & Casualty brings specialized underwriting expertise and market access to a challenging segment of the commercial auto space. Their team understands the exposures associated with high-capacity vehicles, hazardous cargo, and municipal contracts. With flexible limits, broad appetite, and a commitment to responsiveness, McGowan is a valuable partner for agents placing excess auto liability coverage. If you're working with clients who operate large fleets, transport hazardous or regulated materials, or simply need higher excess liability limits, McGowan’s Excess Auto Umbrella Insurance program is built to support your placement needs. For more information on Excess Auto Umbrella Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for transportation-related risks such as school buses, shuttle services, ambulance fleets, and fuel or beverage delivery companies needing higher liability limits. What limits are available through this program?Umbrella and excess limits range from $1 million up to $100 million, depending on the risk and underlying coverage. Do underlying carriers need to meet certain ratings?Yes, underlying carriers typically need an A- / VII AM Best rating. Exceptions may be made for Employer’s Liability carriers. Is this program available in all states?The program is available in most U.S. states. Please check availability for your client's state before submission. What makes McGowan a strong partner for this type of coverage?McGowan offers niche underwriting expertise, access to a wide range of markets, and the ability to structure high-limit layered liability solutions tailored to complex auto-related risks. Need help placing an account? Connect with a market specialist.

Fleet Trucking Insurance J.M. Wilson Corp. offers a Fleet Trucking Insurance program built for the complex needs of commercial trucking operations. As a Managing General Ag...tnering with us helps you move more trucking business from submission to bind....

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 for Hall Insurance: Colonial General Insurance Agency, Inc. offers a specialized Hall Insurance program tailored for venues and food-service providers operating in event settings. Eligible operations include banquet and reception halls, event venues, independent caterers, catering trucks, sandwich and food trucks, and ice cream vendors serving weddings, private parties, business meetings, fairs and festivals. Coverage can be written on a mono-line or package basis to match a wide range of client needs. Ideal Accounts and Appetite This program is a strong fit for insureds that host events or provide mobile food service. Typical accounts include: Banquet and reception halls used for weddings, conferences, or private events Event venues that host public and private gatherings Independent catering companies providing on-site event food service Mobile food vendors such as catering trucks and ice cream trucks Whether the client operates a fixed event space or a fleet of mobile vendors, Colonial General’s Hall Insurance program addresses the common liability, property and crime exposures these operations face. Coverage Highlights and Advantages General Liability (CGL) Coverage: Primary limits available up to $3,000,000 occurrence/aggregate $5,000 Medical Payments coverage included Liquor liability offered where appropriate and where state rules allow Excess or umbrella limits offered up to $25,000,000 Additional interests can be added for $100 each No deductible required on the primary liability forms Property Coverage Options: Building and contents coverage Business income and equipment breakdown Computer equipment and valuable papers Food spoilage, outside signs, and inland marine Accounts receivable Basic, broad, or special form available Choice of replacement cost or actual cash value valuation Crime Coverage Available: Inside the premises—theft of money and securities Inside the premises—robbery or safe burglary of other property Outside the premises coverage for transit and off-site exposures Underwriting Notes and Minimum Premiums Colonial General places accounts in both admitted and non-admitted markets depending on state and risk characteristics. Underwriting evaluates exposures such as alcohol service, kitchen operations, vehicle operations for mobile vendors, special-event hazards, and premises security. There is no single stated minimum premium; agents should submit details so underwriters can quote appropriately for the size and complexity of the account. Territories and Availability The Hall Insurance program is available in: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings focused expertise in hospitality and event-related risks. The firm leverages admitted and E&S markets to tailor solutions for venues and food-service operators, offering flexible coverages and capacity for larger limits. Colonial General's underwriters understand the operational nuances of event venues and mobile vendors and can coordinate property, liability, liquor and inland marine needs on a single placement when appropriate. Example scenarios that fit this program: You have a client who operates a mid-sized banquet hall that occasionally serves alcohol and needs combined property, general liability and liquor liability coverage. You represent a mobile ice cream vendor that attends seasonal fairs and festivals and needs general liability plus inland marine or auto-related coverage for equipment and stock. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for banquet halls, event venues, catering services, food trucks, and ice cream trucks that serve private and public events. Is liquor liability coverage available?Yes. Liquor liability can be included as part of General Liability where appropriate, subject to the risk profile and state regulations. What is the maximum limit available under the umbrella policy?Excess and umbrella limits are available up to $25,000,000. Do you offer coverage for mobile food vendors operating across multiple states?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Mobile vendors operating within these states can be considered; multistate exposures should be detailed on submission. Are there any minimum premium requirements?No specific minimum premium is listed. Submissions are evaluated and priced based on exposure, limits and coverage selections. Need help placing an account? Connect with a market specialist.

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