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Colonial General Insurance Agency

Colonial General Insurance Agency, Inc. is a wholesale General Agency providing quality insurance products to the Independent Insurance Agent. We specializes in standard and non-standard business. We can write Property and Casualty business as well as Commercial Auto, Commercial Garage, Preferred and Brokerage.

Group Homes Protected!

Author rlw , 5/28/2015

Group homes are private homes or structures where a group of unrelated people live in a common setting. These types of homes commonly house homeless or neglected children, disabled individuals and recovering addicts, depending on the circumstances. Residents of each group home all share the common areas and maintain the residence with the help of a supervisor. Most group homes provide counseling programs and give emotional support. These homes may be the only thing the residents have. They consider them their home, sometimes they may even refer to them as their “life savers” because these homes may help them get back on their feet.

Most group homes are organized and operated on a nonprofit basis and don’t always have the enough funds to cover certain incidents that may occur. That is why it is crucial for your client to have complete coverage for their home. Colonial General has the coverage’s you need for your group home risks. We offer this program in the Western Region (AZ, CA, CO, ID, NM, NV, UT & WY). We cover the following:

• Separate or combined CGL and PL limits
• Occurrence form General Liability
• Defense cost can be either inside or in addition to the policy limits
• Punitive damages coverage
• $2K - $4K minimum premium range depending on policy limits
• Incident sensitive coverage with discovery clause
• Primary coverage for all employed MDs and psychologists available
• Non-owned auto available for risks that do not transport clients

Please visit our Group Home Insurance storefront on CompleteMarkets. Or call us at 855-980-7480 for more information. We look forward to hearing from you!


Allied Healthcare Coverage

Author rlw , 5/22/2015
Allied healthcare is used to identify a cluster of health professions in the medical and wellness industry. 
Allied Healthcare professionals provide patients with the proper care and help identify diseases and disorders.  They develop treatment methods and point out how to prevent such illnesses. All Allied Healthcare providers know that when working with patients, exposures are not limited. There is a possibility that something can go wrong and even the smallest mistakes can result in big problems. The healthcare professionals need to be protected against any exposure they can be faced with. 

Colonial General offers Allied Healthcare Insurance that is designed to meet the coverage needs of eligible allied health professionals. We offer this program in the Western Region (AZ, CA, CO, ID, NM, NV, UT & WY) and represent many A+ carriers to better suit your clients’ needs.

Our Allied Healthcare Insurance programs offers
Professional Liability
General Liability 
Property Coverage
Plus much more

For more information on our program, please visit our Allied Healthcare Insurance storefront. You can all contact us direct by calling us at 855-980-7480. Our dedicated staff is always ready to help. We look forward to serving from you!  


Sports Camp Protection

Author rlw , 5/14/2015
Sports are fun for all ages, either professionally or leisurely. Within the last few years, we have seen many young children taking an interest in sports with both dedication and passion. Many consider playing a sport as a potential future profession. To achieve their goal they practice and play for many hours, and devote much of their time to improving their skills for their specific sport. The increase in sport participation has made Sports Camps even more popular with parents wanting to provide a summer activity that will keep their kids busy, but teach them valuable life lessons. These camps are designed for athletes who want to develop their athletic skills.

However, running a sports camp can be a challenge. There are many risks that your client faces daily and they need to be protected against any exposure. Allow us to help you provide the coverage your client needs. 

Our Sport Camp program offers the following coverages: 

Commercial General Liability Coverage:
• Primary limits up to $3 million occurrence and aggregate
• Excess or Umbrella limits up to $25 million
Included Coverages:
• Additional Interests
• Medical Payments Coverage—$5,000 Limit
• Limited Participant Liability Coverage—$25,000 per occurrence/$50,000 aggregate
• Sexual and Physical Abuse Coverage—$25,000 per claim/$50,000 aggregate
• No deductible required
Property Coverage
• Accounts Receivable
• Basic, Broad, or Special Form
• Building
• Business Income
• Equipment Breakdown
• Replacement Cost or Actual Cash Value
Crime Coverage
• Inside the Premises—Theft of Money and Securities
• Inside the Premises—Robbery or Safe Burglary of Other Property
• Outside the Premises

We represent many A+ carriers to better suit your clients’ needs.  Our dedicated staff is always happy to help provide you with competitive insurance rates. Please visit our Sports Camp Insurance storefront on CompleteMarkets or call us at 855.980.4780. We look forward to assisting you. 


Shopping for Commercial Coverage!

Author rlw , 5/7/2015
Have you notice the amount of new shopping centers opening up? This is due to the high customer demand in the surrounding areas. Although many reports show an increase in online shopping, consumers still enjoy the experience of walking around the different shops.  The personal experience of asking for advice or having someone there to service their needs is extremely valuable to the customer experience. 

Owning a shopping center building is an investment that comes with a lot of responsibilities. Your client needs to ensure their tenants are safe and provide an attractive place to do business. That is why it is essential to have to proper commercial insurance coverage for shopping centers. We can help you provide your client with exceptional protection. 

Our programs can cover the following:
Property Coverage 
• Accounts Receivable
• Basic, Broad, or Special Form
• Building
• Business Income
• Computer Equipment
• Contents
• Equipment Breakdown Coverage
• Outside Signs
• Replacement Cost or Actual Cash Value
• Valuable Papers

Commercial General Liability 
• Primary Limits up to $3,000,000 Occurrence/ Aggregate
• Additional Interests—$100 each
• $5,000 Medical Payments Coverage—Included
• Excess or Umbrella Limits up to $25,000
• No deductible required

Crime Coverage available 
• Inside the Premises—Theft of Money and Securities
• Inside the Premises—Robbery or Safe Burglary of Other Property
• Outside the Premises

Our dedicated staff is always ready to help. Please visit our Shopping Center Insurance storefront or call us at 855-980-7480. We look forward to hearing from you!


Exercise Studios Secured

Author rlw , 5/1/2015
Creating a healthy lifestyle and getting in shape is extremely important in today’s society. It’s becoming extremely popular and people continue to join the movement choosing organic foods and going gluten free. Although exercise videos and phone apps can help you get in shape, others prefer to work out at a studio. Using a studio works better for others because they have access to one on one session with trainers, use different equipment, and try various fitness routines and programs. 
 
Owning an exercise studio however may not be as easy as getting on the treadmill or doing some aerobics. Having the responsibility of protecting themselves and their employees from the numerous risks that can arise from their operations can become stressful. Allow Colonial General to help you ease your clients concerns. We offer property and liability coverage available for health and exercise clubs including: exercise equipment clubs, aerobic studios, weight lifting gyms, personal trainers, etc. 
 
For more information on our Exercise Studio Insurance program please visit our CompleteMarkets storefront. You can also contact us by calling 855-980-7480. Our dedicated staff will be happy to answer any questions and get your client the protection they deserve. 


Protecting the Bar Industry

Author rlw , 4/20/2015
According to IBISWorld, the Bar and Nightclub industry emerged from the recession, and turned around in 2010. The industry has continued to make strides over the years, causing revenue to increase. Industry experts expect an annualized rate increase of 1.5% by the end of 2015.

Bars are known for their fun, exciting and, entertaining atmospheres. But while many customers are having a good time and enjoying a few drinks, your client may be worrying about many things. As a bar owner, your client has an immense amount of responsibilities and having the perfect insurance coverage is a priority. 

Colonial General can help you ease your clients concerns. We understand the many exposures that the Bar industry face and that is why we designed an exceptional Bar program. We can cover the following:

Property Coverage 
• Accounts Receivable
• Basic, Broad or Special Form
• Building
• Business Income
• Computer Equipment
• Contents
• Equipment Breakdown
• Food Spoilage
• Outside Signs
• Replacement Cost or ACV
• Valuable Papers
 
Commercial General Liability 
• Primary Limits up to $3,000,000 Occurrence/Aggregate
• Liquor Liability Coverage
• Excess or Umbrella Limits up to $25,000,000
• Included Coverages:
• Assault and/or Battery Limited Liability Coverage Form (per event)—$25,000/$50,000 Limits
• Medical Payments Coverage—$5,000 Limit
• Additional Interests
• No deductible required

Crime Coverage 
• Inside the Premises—Theft of Money and Securities
• Inside the Premises—Robbery or Safe Burglary of Other Property
• Outside the Premises

Our dedicated staff is always ready to help. We represent many A+ carriers to better suit your clients’ needs. Please visit our Bar Insurance storefront or call us at 855-980-7480. We look forward to hearing from you!


We Cover Artisan Contractors

Author rlw , 4/8/2015
As the construction industry continues to grow, artisan contractors business will rise with it. Artisan Contractors have remarkably benefited from the growing industry, and have quickly become one of the most popular types of contractors. Artisan Contractors,  also known as Specialty Trade Contractors carry out a variety of tasks, and are skilled/trained in a specific vocation. Plumbers, electricians, roofers, and landscapers are all examples of an Artisan Contractor; but the bottom line is that they specialize in a specific trade. As an Artisan Contractor, your client probably already knows how important it is to fully insure and protect themselves and their business. However, Colonial General understands that contractors in the industry may encounter a great deal and variety of risks. Although your client may be covered against fire, theft,  or flood, they also need protection against damages, mistakes, or oversights that can be made on the job. Our Artisan Insurance program has the following coverages available:
 
Commercial General Liability 
• Primary limits up to $3,000,000 Occurrence/Aggregate 
• Electronic Data Liability
• Additional insured endorsements available to satisfy most standard contractual requirements. 
• Excess or Umbrella limits up to $25,000,000 
• $5,000 Medical Payments Coverage 

Property 
• Basic, Broad, or Special Form 
• Building 
• Business Income 
• Contents 
• Contractor’s Equipment 
• Equipment Breakdown 
• Inland Marine 
• Installation Floater 
 
Crime 
• Accounts Receivable 
• Computer Equipment 
• Contractor’s Equipment 
• Robbery or Safe Burglary of Other Property 
• Theft of Money and Securities 
• Outside Signs 
• Outside the Premises 
• Valuable Papers 
 
We represent many A+ carriers to better suit your clients’ needs.  Our dedicated staff is always happy to help provide you with competitive insurance rates. Please visit our Artisan Insurance storefront on CompleteMarkets or call us at 855.980.4780. We look forward to assisting you. 
 


Covering Your Non-Emergency Medical Transportation Needs!

Author rlw , 4/2/2015
Non-Emergency Medical Transportation steps in when a patient is stable, but still needs medical support. For example, if an elderly individual goes to the hospital and needs transportation back to the nursing care facility where they live, the hospital often offers non-emergency medical transportation to transport the patient back to the facility. In addition, it can also be used to transport a patient scheduled for surgery to a specialist facility if needed. The vehicles have medical equipment on board, and the patient is often transported with a paramedic or nurse just in case a need arises for IV fluids or other medical assistance. This form of coverage is very appealing to medical facilities due to it is often being much less expensive than traditional emergency transportation options. 

Your Non-Emergency Medical Transportation clients need to ensure that they have ample coverage to protect themselves in the unfortunate event of an accident or other related risk. 

Colonial General can provide the coverages you require for your non-emergency medical transportation needs. Our program offers coverage for:

• Limits up to state and federal requirements per seating
   capacity up to 1.5 million.
• Medicare or Medicaid contract required. 
• Liability coverage up to $1,000,000 CSL
• Physical damage coverage with several different
   deductible options ranging from $500 - $5,000.
• Radius options up to 500 miles.
• Cargo limits up to $100,000 with refrigerator breakdown
   included.

Our dedicated staff will work hard to deliver outstanding protection to your client. Please visit our Non-Emergency Medical Transportation Insurance storefront on CompleteMarkets or call us at 855.980.7480. We look forward to serving you!


Quoting Commercial Business!

Author rlw , 3/26/2015
Colonial General Underwriters have quoting and binding authority with numerous companies. It is our objective to provide you, the agent, with a firm quote within 24 hours (subject to receiving necessary information on the application.) With basic information we can provide an indication over the phone on almost all classes of business. Mono-line coverage can be written for both Property and Casualty or a Package Policy can be issued when both coverages are required. Some of our popular programs are:
  • Commercial Buildings
  • Bars, Taverns & Restaurants
  • Exercise and Health Facilities
  • Janitorial Services
  • Landscaping & Tree Trimming 
  • Push Carts/ Vendors
  • Sports Camps
  • Apartments 
  • Lessor’s Risk
  • Vacant Buildings
Our dedicated staff is always ready to help. Please visit our Commercial Property Extension Insurance storefront or call us at 855-980-7480. we look forward to hearing from you!


Hard to Place Dwelling Risk? We can Cover It!

Author rlw , 3/20/2015
Colonial General has insurance solutions for all of your Personal Lines’ needs. Dwelling coverage is written on a DP-1 or DP-3 form, depending on the risk. We offer coverage under this program for 1-4 Family Dwellings, ranging from the very old or poorly maintained home; to the high value home in need of short-term coverage or pending sale. 

Coverage for vacant dwellings, homes in unprotected areas and short-term policies are also available. We have a program for the luxury homes, ranging from $600,000 and higher. 
Coverages include fine arts and jewelry, private passenger auto coverage, including expensive luxury vehicles and collect’s antique vehicles. This is the best protection available for your affluent client. If your clients home doesn't fit in our high-end program program, we have a dwelling program for the “standard risk” category as well. Acceptable risks can be owner, tenant occupied, seasonal vacant dwellings, course of construction, builders risk, etc. In addition, three, six and twelve month policy terms are available. Liability coverage is available on all personal lines programs and mono-line liability is available for vacant land. Our Personal Lines Department can handle all your Personal Line needs!