Colonial General Insurance Agency, Inc. offers a specialized Local Freight Hauling Insurance program designed to meet the needs of independent freight operators and small fleet owners. Whether your clients are for-hire or not-for-hire carriers operating within a 500-mile radius, this program provides flexible coverage options and underwriting solutions to help you place business quickly and efficiently.
Ideal Accounts and Appetite
This program is ideal for local and regional freight haulers operating light to medium-duty trucks and delivering goods within a 500-mile radius. We can accommodate both for-hire and not-for-hire risks, including common classes such as:
- Owner-operators
- Small fleet operators
- Local delivery services
- Distributors and wholesalers transporting their own products
Target accounts typically include those hauling general freight, dry goods, and other non-hazardous cargo. We are not a market for long-haul trucking or operations involving hazardous materials.
Coverage Highlights and Advantages
Colonial General’s local freight hauling program includes a range of essential coverages tailored to the needs of local carriers:
- Auto Liability: Limits up to $1,000,000 CSL
- Cargo Insurance: Limits up to $100,000, including coverage for refrigerated cargo breakdown
- Physical Damage: Available with deductible options ranging from $500 to $5,000
- Radius of Operation: Up to 500 miles per insured unit
These coverages are available as part of package policies, making it easier for you to place comprehensive accounts with one source.
Underwriting Notes and Market Access
Admitted markets are available in some states, and we also have access to non-admitted options depending on state and risk characteristics. Our experienced underwriting team understands the unique risks of local freight operations and can help you navigate submissions efficiently. Carrier availability may vary, but we work with a range of trusted markets to provide competitive options.
Territories and Availability
This program is available to appointed agents and brokers in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Why Work With Colonial General?
As a managing general agency and E&S broker, Colonial General Insurance Agency, Inc. brings decades of experience in transportation and specialty commercial lines. We’re known for fast response times, knowledgeable underwriting, and strong relationships with both admitted and surplus lines carriers. Whether you're helping a new independent contractor get started or need a solution for a seasoned freight hauler expanding their fleet, we can help you secure the right protection quickly.
You might have a client who hauls dry goods for regional retailers or another who operates a refrigeration unit transporting produce — both are great fits for our program.
Let Colonial General help you grow your transportation book with reliable markets and responsive service.