Whether your client needs insurance for transporting boats, trailers, or related cargo, Colonial General Insurance Agency, Inc. offers a flexible Boat Hauling Insurance program tailored to marine transport exposures. With access to specialized markets and broad coverages, agents can place cargo protection on both a mono-line and excess basis for a wide range of hauling operations.
Ideal Accounts and Appetite
This program is well suited for businesses and independent operators who transport boats by trailer or vehicle throughout the Western U.S. Typical classes include marine haulers, specialty logistics providers, marina delivery services, and transporters handling high-value, oversized, or delicate vessels. The program accommodates single-vehicle owner-operators through small fleets and specialty carriers.
Accounts with unique hauling needs—such as oversized vessels, high-value pleasure craft, or multi-state deliveries—can benefit from available excess limits and focused underwriting attention.
Example scenarios you might place here:
- A dealership that hires a hauler to deliver new boats across several states and needs coverage for high-value inventory in transit.
- An independent transporter who moves restored classic boats and requires coverage for fragile finishes and specialized loading exposures.
Coverage Highlights and Advantages
Colonial General’s Boat Hauling Insurance program includes:
- Unlimited transit radius on mono-line cargo policies
- Cargo limits up to $100,000 (including refrigerator breakdown coverage where applicable)
- Access to excess markets that can write over primary cargo up to $750,000
- Loading and unloading coverage included in the base premium for applicable placements
These features address common transport exposures—cargo damage in transit, incidents during loading/offloading, and mechanical failures affecting temperature-sensitive items—so your insureds get broad protection tailored to marine transport.
Underwriting Notes and Submission Requirements
Colonial General partners with multiple carriers to match risk characteristics to the right market. Submission requirements typically include driver MVRs, an equipment schedule, current loss runs, and operational details such as typical routes and loading procedures. Underwriters are responsive and will guide you through any carrier-specific requirements to secure timely quotes and binding.
Minimum premiums vary by carrier and state; Colonial General structures placements to be competitive for small to mid-sized haulers as well as accounts with higher values or specialized needs.
Territories and Availability
This program is available to agents and brokers placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Some admitted markets are available depending on state and risk profile. Colonial General also offers access to non-admitted carriers when admitted capacity is limited or a specialized solution is required.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in transportation and marine-related risks and provides agents with broad market access. Their underwriting team focuses on niche cargo and boat-transport exposures and offers practical, service-oriented support from submission to binding.
Agents benefit from quick turnarounds, competitive placements for small fleets and specialty shippers, and scalable excess capacity for higher-value accounts. If you need flexible cargo solutions for boat haulers—mono-line or excess—Colonial General provides the underwriting attention and market relationships to place those risks efficiently.