If your clients are in the business of transporting automobiles, trailers, or even boats, Colonial General Insurance Agency, Inc. offers a dependable Automobile Transport Insurance program designed to meet their needs. As a trusted Managing General Agency and E&S broker, Colonial General gives agents access to flexible, competitive solutions for specialized transport risks.
Ideal Accounts and Appetite
This program is ideal for independent auto haulers, vehicle transport companies, and businesses specializing in the movement of trailers, boats, or specialty vehicles. Whether your client operates regionally or nationwide, Colonial General has options to accommodate various transport exposures and operational sizes.
Accounts with solid safety records, professional operations, and experience in the transport sector will fit best. This program can accommodate mono-line cargo and excess over primary cargo placements—perfect for clients who need coverage beyond standard limits.
Coverage Highlights and Advantages
- Unlimited radius available on all mono-line cargo policies
- Excess cargo coverage up to $750,000 over primary cargo limits
- Cargo limits up to $100,000, with refrigerator breakdown included
- Loading and unloading coverage included in the base premium
These features help your clients manage key exposures related to vehicle damage, theft, refrigeration failure, and transit-related risks.
Underwriting Notes
Colonial General works with a variety of markets, offering both admitted and non-admitted options depending on the specific risk and state. Submissions with detailed operational information and loss history will receive faster turnaround and more competitive terms. Minimum premium requirements may vary by carrier and coverage limits.
Territories and Availability
This Automobile Transport Insurance program is available to appointed agents in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. If you're placing business in these territories, Colonial General can offer tailored solutions through its specialized transport markets.
Why Work With Colonial General?
With years of experience serving the Western U.S., Colonial General understands the unique needs of transportation risks in this region. As an MGA and E&S broker, they provide access to niche markets and specialized underwriting resources that help agents secure coverage for hard-to-place or complex accounts. Their focus on service, responsiveness, and flexibility makes them a strong partner for your transportation clients.
For example, you may have a client who transports high-end vehicles across state lines and needs higher cargo limits with excess coverage. Or perhaps a client with a mixed fleet of trailers and boats who needs a mono-line cargo solution with loading and unloading included—Colonial General has the tools to help you place that business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include independent auto haulers, trailer transporters, and businesses that move boats or specialty vehicles. Operators with solid safety records and experience are preferred.
Is excess cargo coverage available?
Yes, Colonial General offers excess cargo coverage up to $750,000 over primary cargo limits for qualified risks.
Are loading and unloading exposures covered?
Yes, loading and unloading coverage is included as part of the base premium under this program.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do I need to submit full operational details for a quote?
Yes, complete submissions with operational information and loss history help ensure faster underwriting and better terms.
Need help placing an account? Connect with a market specialist.