Intermediate Trucking Insurance

Ideal Accounts and Appetite

This program is best for small to mid-size trucking operations that operate primarily within a 500-mile radius. Colonial General will consider both for-hire and not-for-hire risks with sound safety practices and reasonable vehicle maintenance. Examples of good-fit accounts include:

• A regional delivery company running refrigerated box trucks across several neighboring states.
• An independent owner-operator hauling general freight for regional clients on a primarily local/intermediate route.

Underwriting favors fleets with clean loss histories, documented maintenance programs, and qualified drivers. Risks that routinely exceed a 500-mile radius, move specialized high-value commodities, or show frequent or severe losses are generally outside this program’s appetite.

Coverage Highlights and Advantages

Colonial General’s Intermediate Trucking Insurance program includes a range of coverages and features to match common regional trucking exposures:

• Liability coverage up to $1,000,000 Combined Single Limit (CSL).
• Physical damage coverage with deductible options from $500 to $5,000.
• Motor truck cargo limits up to $100,000, with refrigerator breakdown coverage included where applicable.
• Operation radius up to 500 miles, suitable for local and multi-state regional work.
• Package policy options available for both for-hire and not-for-hire risks.

These options allow you to tailor limits and deductibles for units such as reefers, dry vans, and flatbeds while combining liability, physical damage, and cargo protections on a single program.

Underwriting Notes and Market Access

Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, giving agents access to a broad panel of carriers. Where available, admitted markets are offered in select states; non-admitted solutions are used when accounts require broader flexibility. Underwriters focus on:

• Vehicle condition and age
• Driver qualifications, MVRs, and hiring practices
• Fleet safety programs and maintenance records
• Loss history and frequency

Minimum premiums and specific underwriting criteria vary by carrier and account profile. Contact Colonial General’s underwriting team for state-specific rules, minimums, and documentation requirements.

Territories and Availability

The Intermediate Trucking Insurance program is available in the following states: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Availability and admitted options can vary by state—reach out to Colonial General for the most current territory guidance.

Why Work With Colonial General?

Colonial General brings specialty transportation experience and broad market access to help agents place intermediate trucking accounts that may be challenging at standard carriers. Their strengths include:

• Dedicated trucking underwriting expertise and quick turnaround on submissions.
• Access to both admitted and non-admitted markets to handle common and harder-to-place risks.
• Flexible package designs that combine liability, physical damage, and cargo protections.
• Responsive service aimed at helping you secure competitive terms for your insureds.

You might have a client who runs a small fleet of refrigerated box trucks across three neighboring states or an owner-operator looking for a regional liability and cargo package—Colonial General’s Intermediate Trucking program is structured to handle those profiles. Need help placing an account? Connect with a market specialist.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.