Colonial General Insurance Agency, Inc. offers a robust Inland Marine Insurance program designed to cover valuable personal property that standard homeowners policies typically exclude or restrict. This program is tailored for agents and brokers seeking flexible solutions for hard-to-place items and specialty risks. With access to a variety of markets and coverages, Colonial General helps you secure the right protection for your clients' most prized possessions.
Ideal Accounts and Appetite
This program is ideal for personal lines clients with high-value or unique movable property. Coverage is available for a wide range of items, including but not limited to:
- Jewelry and furs
- Fine arts and collectibles
- Musical instruments
- Cameras and camera equipment
- Golf carts and golf equipment
- Guns and firearms collections
- Postage stamps and coin collections
- Contents stored in mini-storage units
- Motorized ground maintenance vehicles
- Silverware and other household valuables
If you have clients with specialized property that doesn't fit within standard property insurance policies, this program can meet their needs with tailored, flexible options.
Coverage Highlights and Advantages
Colonial General's Inland Marine product offers multiple policy options to accommodate various types of property and risk levels. Key coverage features include:
- All-Risk Coverage: Broad protection for most classes of property, excluding specific exclusions.
- Limited or Broad Form for Musical Instruments: Flexible options for amateur and professional musicians alike.
- Breakage Option for Fine Arts: Specialized protection for fragile and high-value pieces.
- Named Perils and Burglary Coverage: Available for contents stored in mini-storage facilities, addressing common theft exposures.
This program allows you to cover high-value assets that are often underinsured or excluded from standard policies, giving your clients peace of mind.
Underwriting Notes and Minimum Premiums
Colonial General works with a variety of carriers to place this coverage, ensuring competitive and flexible underwriting. While there is no set minimum premium listed, underwriting guidelines vary by class and item value. Submissions should include complete item descriptions and valuations where applicable. The program can accommodate both scheduled and blanket coverage depending on the client’s needs.
Territories and Availability
This Inland Marine Insurance program is available to licensed agents and brokers in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Some available markets are admitted, while others may operate on a non-admitted basis depending on the risk and jurisdiction.
Why Work With Colonial General
As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche personal lines markets. If you've struggled to find coverage for unique personal property through standard carriers, Colonial General offers a reliable alternative with underwriting flexibility and access to specialized markets. Their responsive approach and regional focus across the Western U.S. make them a valuable partner in placing difficult Inland Marine risks.
Whether your client is a collector, musician, hobbyist, or simply owns high-value personal assets, this program gives you the tools to deliver custom protection beyond the limitations of standard policies.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for personal lines clients with high-value movable property such as jewelry, fine arts, collectibles, musical instruments, and golf equipment.
Can I cover items stored in a mini-storage unit?
Yes, coverage is available for contents in mini-storage units, with options for named perils and burglary protection.
Is coverage available on an all-risk basis?
Yes, most classes of property can be covered on an all-risk basis, with specific exclusions and underwriting requirements.
What documentation is needed for underwriting?
Submissions should include detailed descriptions and valuations of the items to be insured. Photos or appraisals may also be required depending on the item type and value.
Which states is this program available in?
This Inland Marine Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.