Colonial General Insurance Agency, Inc. offers a comprehensive Private School Insurance program tailored for agents and brokers looking to place educational institution accounts. This program is designed for private elementary, middle, and high schools, as well as private technical, trade, and vocational schools that provide job-specific certification. Learning centers and tutoring services are also eligible, making this a versatile solution for a wide range of educational clients.
Ideal Accounts and Target Classes
This program is best suited for:
- Private K-12 schools with structured curriculums
- Vocational and trade schools offering certifications
- Private technical institutions and career-focused training centers
- Supplemental learning centers and tutoring facilities
Whether your client operates a large private school or a small specialized training center, Colonial General can help provide tailored coverage solutions.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits available up to $3,000,000 per occurrence and aggregate
- Errors and Omissions coverage for teaching staff
- Medical payments coverage included—$5,000 limit
- Sexual and Physical Abuse coverage—$25,000 per claim / $50,000 aggregate included
- Excess or umbrella limits available up to $25,000,000
- No deductible required
Property Coverage Options:
- Building and contents coverage with replacement cost or actual cash value
- Business income protection
- Electronic data processing and equipment breakdown
- Accounts receivable and valuable papers
- Food spoilage and outside signs
- Forms available: Basic, Broad, or Special
Crime Coverage Options:
- Theft of money and securities inside the premises
- Robbery or safe burglary of other property inside the premises
- Certain coverages available for losses occurring outside the premises
Underwriting Notes and Program Access
Coverages can be written on a mono-line or package basis, giving you flexibility based on your client’s risk profile. No deductible is required for general liability, and various property and crime coverages can be customized per account needs. The program is placed through various carriers depending on risk, with some admitted options available.
Available States
This program is available to agents and brokers placing risks in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Why Work With Colonial General?
Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in niche markets like private education. Their strategic carrier relationships and underwriting experience allow them to handle both standard and hard-to-place risks efficiently. Agents benefit from responsive service, flexible underwriting, and access to competitive markets for educational institutions.
For example, if you have a client running a private culinary school offering certification programs, or a tutoring center expanding into multiple locations, Colonial General can help you build the right coverage package to protect those operations effectively.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for private K-12 schools, vocational and trade schools, technical training centers, and tutoring or learning centers that offer structured curriculums or certifications.
Can I write mono-line coverage or does it have to be a package?
You can write coverage on a mono-line or package basis, depending on your client’s needs and exposures.
Is this program available on an admitted basis?
Some markets are admitted, but availability depends on the specific risk and location. Colonial General will help determine the best placement.
What limits are available for general liability?
Primary general liability limits are available up to $3,000,000 per occurrence and aggregate, with excess and umbrella limits up to $25,000,000.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.