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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Dry Goods or Produce Hauling Insurance program tailored for commercial trucking operations that transport perishable food items. This program is designed to meet the unique challenges faced by produce haulers, including refrigeration risks and cargo spoilage. With a deep understanding of the industry and access to competitive markets, Colonial General provides agents with effective solutions to help protect clients hauling dry goods, fruits, vegetables, and other temperature-sensitive commodities. Produce haulers represent a substantial portion of the commercial trucking sector, delivering essential food supplies across the country. These operations require coverage that goes beyond standard cargo policies. Colonial General’s program includes enhanced protection for refrigerated trucks and offers flexibility for a wide range of hauling distances and cargo types. Ideal Accounts and Appetite This program is a strong fit for independent truckers and small to mid-sized fleets specializing in the transportation of perishable goods and dry produce. Ideal risks include: Refrigerated trucking operations hauling fruits, vegetables, dairy, or other temperature-sensitive items Dry goods haulers operating regionally or nationally Owner-operators and fleet managers with consistent routes and established safety protocols Accounts with long haul operations, mixed cargo types, or a history of claims may be considered, subject to underwriting. Coverage Highlights and Advantages Colonial General’s Dry Goods or Produce Hauling Insurance program offers comprehensive cargo protection with optional endorsements to suit specialized needs: Unlimited radius on all mono-line cargo policies Excess cargo limits up to $750,000 available over primary cargo policies Primary cargo coverage with limits up to $100,000 Refrigeration breakdown coverage included, with a $2,500 deductible This coverage is ideal for agents whose clients face exposure to spoilage, temperature fluctuations, or loss due to equipment failure during transit. Underwriting Notes and Minimum Premiums Colonial General underwrites through a variety of carriers, allowing for flexible solutions across a broad range of risk profiles. While minimum premium requirements vary, the program is designed to be accessible to both independent operators and fleet accounts. Underwriting will consider the type of cargo, age and maintenance of equipment, driving history, and safety protocols in place. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are available on an admitted basis, while others may be placed in the excess and surplus lines market, depending on the account specifics and state of operation. Why Work With Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with extensive experience in transportation-related risks. Their expertise in the produce hauling sector allows agents to offer tailored solutions that address the specific exposures of perishable cargo transport. With access to specialized markets and a focus on responsive underwriting, Colonial General helps agents secure reliable coverage for a challenging and essential line of business. Whether your client is an independent hauler transporting citrus from California to neighboring states or a regional produce distributor with a small fleet, Colonial General can provide the coverage solutions and support you need to place the account confidently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for commercial truckers who haul dry goods or perishable produce, including owner-operators and small to mid-sized fleets using refrigerated trucks. Is refrigeration breakdown coverage included in the policy?Yes, refrigeration breakdown coverage is included with a $2,500 deductible, helping protect against spoilage due to equipment failure. Are there any radius limitations for cargo policies?No, all mono-line cargo policies in this program offer unlimited radius, providing flexibility for long-haul operations. Can this program provide excess cargo coverage?Yes, Colonial General has a market that can write excess coverage over primary cargo policies for limits up to $750,000. In which states is this program available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...s serving grocery chains, food distributors, wholesalers, or cold storage faci...

Policy Highlights for Outfitters Insurance: Colonial General Insurance Agency, Inc. offers a specialized Outfitters Insurance program tailored for businesses involved in outdoor recreational activities. This program is ideal for outfitters and guide services that provide hunting, fishing, hiking, backpacking, or cross-country skiing excursions. Operations that sell or rent outdoor equipment and supplies—without offering guided services—are also eligible under this program. Ideal Accounts and Appetite This program is designed for outfitters and outdoor guides operating in the Western U.S. who need strong liability and property coverage. Target risks include: Hunting and fishing guides Backpacking and hiking tour operators Cross-country skiing instructors and guides Outdoor gear rental businesses Whether your client operates a remote wilderness camp or a storefront offering outdoor equipment rentals, Colonial General can help you place the business. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence and aggregate $5,000 Medical Payments included Errors and Omissions coverage up to policy limits Excess or Umbrella limits available up to $25,000,000 No deductible required Property Coverage Options: Basic, Broad, or Special Form available Building and Contents coverage Business Income and Equipment Breakdown Computer Equipment and Inland Marine Outside Signs and Scheduled Property Floater Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value Crime Coverage Features: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Theft or Robbery (Outside the Premises) Underwriting Notes and Minimum Premiums Coverage is available on a mono-line or package basis, depending on your client’s needs. While minimum premiums are not specified, risks are evaluated based on operations, location, and coverage selections. The program is written through a variety of markets, giving flexibility in underwriting and pricing. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, and Colonial General will help guide you to the best fit based on your client’s risk profile and location. Why Work With Colonial General? Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep experience in niche outdoor and recreation risks. With access to a broad range of carriers and flexible underwriting options, they are well-positioned to help agents and brokers secure comprehensive coverage for their outfitter clients. From backcountry fishing guides to seasonal ski tour operators, Colonial General understands the unique risks and coverage needs of the outdoor industry. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include hunting and fishing guides, hiking and backpacking tour operators, cross-country skiing instructors, and outdoor gear rental businesses. Is this program available for mono-line policies?Yes, Colonial General offers both mono-line and package options depending on the insured’s needs. Are non-guided outdoor equipment businesses eligible?Yes, businesses that provide outdoor equipment and supplies without offering guided services are also eligible under this program. What limits are available for liability coverage?Liability coverage offers primary limits up to $3,000,000 occurrence/aggregate and excess or umbrella limits up to $25,000,000. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.