An insurance agency for trucking fleets and owner-operators, with fleet billing choices and options for specialized freight, equipment and hazmat loads.
Colonial is worth a look when your insurance needs go beyond a basic truck quote. Its fleet billing choices and specialized cargo options give you useful points to compare. Start with how you haul: the cargo exclusions, equipment values and billing basis matter more than a starting premium. For day-to-day service, establish how certificate access and claim reporting work on the policy you are offered. Colonial arranges the coverage, so compare the named insurer and actual forms alongside the agency’s service.
Updated 2026-09-09
What stands out
A closer look at Colonial Insurance Services
Getting covered
Bring a list of the loads you actually haul, including occasional high-value or hazardous freight. Ask which insurer and endorsements cover those loads before comparing premiums.
Supporting details
Colonial arranges coverage from multiple insurance companies. The insurer and selected policy determine the coverage offered. Source ↗
The fleet program targets 10–300 trucks; separate services are available for individual owner-operators. Source ↗
Colonial advertises cargo limits from $25,000 to $5 million, subject to the policy and operation. Source ↗
Electronics, seafood and pharmaceuticals may have exclusions or limits. Additional coverage can require an extra premium. Source ↗
The hazmat program lists pollution liability, excess liability and loading/unloading options. Coverage depends on the selected policy. Source ↗
At a glance
Trucking operations served
The fleet program targets 10–300 trucks; separate services are available for individual owner-operators.More details
How pricing is set
Quotes depend on underwriting. Published starting rates and sample premiums are illustrations, not a price for your operation.More details
Cancellation and return premium
The quote page does not specify a universal policy term, cancellation charge or premium-refund formula. Request these with the proposed policy.More details
Availability
Coverages, payment plans and terms vary by state and business. Confirm availability for your operation.More details
Costs, plans & capabilities
Fleet and owner-operator coverage
The fleet program targets 10–300 trucks; separate services are available for individual owner-operators.
Colonial arranges coverage from multiple insurance companies. The insurer and selected policy determine the coverage offered.
Fleet options include scheduled-vehicle, mileage and gross-revenue reporting policies.
The fleet guide notes that a revenue audit may include fuel surcharges or other receipts. Establish which revenue is counted.
Fleet programs offer different deposits and installment arrangements, subject to the insurer and state.
Quotes depend on underwriting. Published starting rates and sample premiums are illustrations, not a price for your operation.
Coverages, payment plans and terms vary by state and business. Confirm availability for your operation.
Non-fleet services include assistance with federal and state filings.
Freight and cargo protection
Colonial advertises cargo limits from $25,000 to $5 million, subject to the policy and operation.
Electronics, seafood and pharmaceuticals may have exclusions or limits. Additional coverage can require an extra premium.
Listed options include refrigeration breakdown, loading and unloading, debris removal and lost freight charges after a covered loss.
Truck and equipment protection
Options include collision, comprehensive and narrower fire-and-theft coverage. The narrower form described on the page excludes windshield claims.
A physical-damage quote requires a deductible and stated vehicle value reflecting age, condition and attached equipment.
Standard physical-damage coverage described by Colonial excludes cargo and loose equipment such as tools, tarps and chains. Some items can be added separately.
Hazmat and safety support
The hazmat program lists pollution liability, excess liability and loading/unloading options. Coverage depends on the selected policy.
The hazmat page describes an optional combined deductible for a loss involving both physical damage and cargo.
The hazmat program advertises SMS/CSA analysis, driver screening support and a dedicated safety engineer.
Quoting and policy service
The quote form requests DOT number, truck count and state. Loss runs, IFTA records and driver or vehicle lists can support the application.
Colonial advertises online certificate access at any time for eligible programs. Confirm how to activate access for your policy.
The public form asks for insured and certificate-holder details and says to allow up to 30 minutes for processing. This is a stated processing window, not a guaranteed turnaround.
The agency publishes 877-410-8424 and weekday office hours of 9 a.m.–5 p.m. Its current listed office is in Chamblee, Georgia.
Colonial directs customers to report incidents promptly to their insurance carrier; an adjuster then investigates the claim.
Colonial describes online claim reporting, document uploads and progress tracking, with access arranged through the agency.
The quote page does not specify a universal policy term, cancellation charge or premium-refund formula. Request these with the proposed policy.
Plan details
Trucking operations served
The fleet program targets 10–300 trucks; separate services are available for individual owner-operators. Source ↗Checked 2026-09-09
Agency and insurer
Colonial arranges coverage from multiple insurance companies. The insurer and selected policy determine the coverage offered. Source ↗Checked 2026-09-09
How pricing is set
Quotes depend on underwriting. Published starting rates and sample premiums are illustrations, not a price for your operation. Source ↗Checked 2026-09-09
Availability
Coverages, payment plans and terms vary by state and business. Confirm availability for your operation. Source ↗Checked 2026-09-09
Cancellation and return premium
The quote page does not specify a universal policy term, cancellation charge or premium-refund formula. Request these with the proposed policy. Source ↗Checked 2026-09-09
Fleet billing choices
Fleet options include scheduled-vehicle, mileage and gross-revenue reporting policies. Source ↗Checked 2026-09-09
Revenue reporting detail
The fleet guide notes that a revenue audit may include fuel surcharges or other receipts. Establish which revenue is counted. Source ↗Checked 2026-09-09
Cash flow and payment plans
Fleet programs offer different deposits and installment arrangements, subject to the insurer and state. Source ↗Checked 2026-09-09
Preparing a quote
The quote form requests DOT number, truck count and state. Loss runs, IFTA records and driver or vehicle lists can support the application. Source ↗Checked 2026-09-09
Starting or changing authority
Non-fleet services include assistance with federal and state filings. Source ↗Checked 2026-09-09
Certificate access
Colonial advertises online certificate access at any time for eligible programs. Confirm how to activate access for your policy. Source ↗Checked 2026-09-09
Certificate requests
The public form asks for insured and certificate-holder details and says to allow up to 30 minutes for processing. This is a stated processing window, not a guaranteed turnaround. Source ↗Checked 2026-09-09
Agency contact
The agency publishes 877-410-8424 and weekday office hours of 9 a.m.–5 p.m. Its current listed office is in Chamblee, Georgia. Source ↗Checked 2026-09-09
Cargo limits
Colonial advertises cargo limits from $25,000 to $5 million, subject to the policy and operation. Source ↗Checked 2026-09-09
High-value freight
Electronics, seafood and pharmaceuticals may have exclusions or limits. Additional coverage can require an extra premium. Source ↗Checked 2026-09-09
Cargo extensions
Listed options include refrigeration breakdown, loading and unloading, debris removal and lost freight charges after a covered loss. Source ↗Checked 2026-09-09
Physical damage choices
Options include collision, comprehensive and narrower fire-and-theft coverage. The narrower form described on the page excludes windshield claims. Source ↗Checked 2026-09-09
Values and deductibles
A physical-damage quote requires a deductible and stated vehicle value reflecting age, condition and attached equipment. Source ↗Checked 2026-09-09
Tools and unattached equipment
Standard physical-damage coverage described by Colonial excludes cargo and loose equipment such as tools, tarps and chains. Some items can be added separately. Source ↗Checked 2026-09-09
Hazardous-material hauling
The hazmat program lists pollution liability, excess liability and loading/unloading options. Coverage depends on the selected policy. Source ↗Checked 2026-09-09
Truck and cargo in the same loss
The hazmat page describes an optional combined deductible for a loss involving both physical damage and cargo. Source ↗Checked 2026-09-09
Safety assistance
The hazmat program advertises SMS/CSA analysis, driver screening support and a dedicated safety engineer. Source ↗Checked 2026-09-09
Reporting a loss
Colonial directs customers to report incidents promptly to their insurance carrier; an adjuster then investigates the claim. Source ↗Checked 2026-09-09
Online claim tools
Colonial describes online claim reporting, document uploads and progress tracking, with access arranged through the agency. Source ↗Checked 2026-09-09
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