Colonial General Insurance Agency, Inc. offers a comprehensive Vocational School Insurance program designed specifically for private educational institutions focused on career training. This includes private elementary, junior high/middle, and high schools, as well as private technical, trade, and vocational schools that provide specialized curriculums leading to job-specific certifications. Learning centers and tutoring services are also eligible under this program.
Ideal Accounts and Appetite
This program is an excellent fit for agents with clients that operate:
- Vocational and trade schools offering certification programs
- Private technical schools and training centers
- Private elementary and high schools with job-skills education
- After-school tutoring or academic learning centers
Whether your client is a cosmetology school, a welding training center, or a private tutoring service, Colonial General can help you secure the appropriate coverage.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 per occurrence/aggregate
- Errors and Omissions coverage for teachers
- $5,000 in included Medical Payments coverage
- Sexual and Physical Abuse coverage: $25,000 per claim / $50,000 aggregate
- Excess and umbrella limits available up to $25,000,000
- No deductible required
Property Coverage Options:
- Available on Basic, Broad, or Special form
- Building, contents, and business income protection
- Electronic data processing and equipment breakdown
- Food spoilage, outside signs, and valuable papers
- Accounts receivable and replacement cost or actual cash value options
Crime Coverage Options:
- Theft of money and securities inside the premises
- Robbery or safe burglary of other property
- Coverage for losses outside the premises
Underwriting Notes
Coverage is available on either a mono-line or package basis, giving you the flexibility to tailor protection to your client’s unique needs. While a minimum premium is not specified, Colonial General works with a variety of carriers to provide competitive and flexible solutions.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, while coverage through non-admitted carriers is also accessible depending on jurisdiction and risk profile.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and E&S broker, Colonial General brings niche underwriting expertise and access to a broad range of markets. Their experience in educational institution risks allows you to place your clients with confidence. Whether you're working with a new trade school startup or an established private high school with a vocational focus, Colonial General offers the flexibility and support to help you meet your client’s evolving needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for private vocational, technical, and trade schools, as well as private K-12 institutions and tutoring centers offering job-specific training or academic enrichment.
Is this program available in all states?
No, it is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Does this program include Errors and Omissions coverage?
Yes, E&O coverage for teachers is included as part of the general liability offering.
Are there options for excess or umbrella coverage?
Yes, excess or umbrella limits are available up to $25 million.
Can I package property and liability coverage together?
Yes, coverage can be written on a mono-line or package basis depending on your client's needs.
Need help placing an account? Connect with a market specialist.