Policy Highlights:
Jeep tour operations present unique risks that require specialized insurance protection. Whether your clients operate guided Jeep tours, offer Jeep rentals, or manage a fleet for off-road excursions, Colonial General Insurance Agency, Inc. provides targeted insurance solutions designed to meet the needs of this adventurous niche.
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers access to a range of markets with flexible coverage options tailored for Jeep tour operators. With admitted and non-admitted solutions available, agents can confidently place these accounts with a partner who understands the risks of outdoor and adventure tourism.
Ideal Accounts and Appetite:
Colonial General is a great fit for standard Jeep tours and rental operations that focus on recreational, sightseeing, or guided adventure experiences. Ideal clients include:
- Companies offering off-road Jeep tours in national parks or desert regions
- Jeep rental services for tourists and outdoor enthusiasts
- Operators conducting guided trail excursions
Important Note: Colonial General does not currently offer coverage for altered vehicles or "Extreme Tours" involving high-speed, high-risk, or heavily modified off-road vehicles.
Coverage Available:
- Liability coverage up to $1,000,000 Combined Single Limit (CSL)
- Physical damage coverage with deductible options ranging from $500 to $5,000
- Radius options available up to 500 miles
- Cargo coverage limits up to $100,000, including refrigerator breakdown protection
This program is designed to help your clients manage exposures related to passenger liability, vehicle damage, equipment loss, and cargo protection. Whether you’re placing a single-unit operator or a fleet of Jeeps, Colonial General offers scalable coverage to meet different operational needs.
Underwriting Considerations
Underwriting is flexible, but risk profiles should reflect safe, guided tour environments and well-maintained vehicles. Accounts with a good safety record, proper driver training, and compliant vehicle modifications are more likely to fit within the program parameters.
Territories and Availability
This Jeep Tour Insurance program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. These regions offer prime terrain for Jeep adventures, and Colonial General’s local expertise helps agents secure coverage efficiently and competitively.
Why Work With Colonial General?
Colonial General brings deep experience in specialty and outdoor recreation risks. As a trusted MGA and E&S broker, they provide agents with access to a wide variety of carriers (varies by account) and responsive underwriting support. You’ll benefit from Colonial General’s streamlined process, regional market knowledge, and commitment to helping agents grow their book in niche industries like Jeep tourism.
Whether you’re working with a start-up Jeep tour company in Moab or helping a seasoned rental operator in Sedona expand coverage, Colonial General is ready to help you find the right fit.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for Jeep tour operators and Jeep rental businesses offering recreational or sightseeing trips. It does not cover extreme off-road or modified vehicle operations.
Is physical damage coverage available for the vehicles?
Yes, physical damage coverage is available with deductible options ranging from $500 to $5,000.
Are there geographic restrictions on where this program is offered?
Yes, this program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What is the maximum liability limit offered?
The program offers liability coverage up to $1,000,000 Combined Single Limit (CSL).
Does the program cover altered vehicles or extreme tours?
No, Colonial General does not offer coverage for altered vehicles or high-risk extreme tours.
Need help placing an account? Connect with a market specialist.