keyboard_backspace

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.

Covering the Trucking Industry

Author rlw , 7/2/2015
The trucking industry is dramatically increasing as it is one of the most common ways to transport goods. This profession however faces a variety of aggressive risks that can easily harm the business if not protected.

According to Keith Veronese from i09’s truck driving is one of the deadliest jobs in America. Truckers can suffer from many health problem, just as cancer, heart attacks, strokes, high blood pressure, high cholesterol, and sleeping disorders. Not only do the truck drivers encounter risks, so does the trucking company itself.  As a business owner, your client need to be sure that he is protected from mayhem involving his company. 

Colonial General offers liability, property and crime coverage for today’s road transportation field. We offer this program in the Western Region (AZ, CA, CO, ID, NM, NV, UT & WY). Our Truckers program can cover:

• Medical Payments
• Excess & Umbrella
• Theft or Robbery 
• Equipment Breakdown 
• Accounts Receivable
• Plus much more

Allow us to help you write the perfect coverage for your client. Please visit our Truckers Insurance storefront on CompleteMarkets or call us directly at 855-980-7480. We look forward to hearing from you!


Assisted Living Facilities Protected!

Author rlw , 6/26/2015
The expansion of assisted living facilities has been drastic, and it continues to increase every year. These businesses have become quite popular to many individuals around the country. As the baby-boomer generation searches for a place to live comfortably, assisted living facilities more often than not become the best option. Not only do assisted living facilities provide a place to live, but many also supply seniors with various levels of support with their daily living activities. Most facilities allow their residents to maintain independence while still offering different services, and amenities such as transportation, personal care, meals and medication schedules.

Colonial General offers coverage for independent and assisted living facilities. This program is written in the Western Region (AZ, CA, CO, ID, NM, NV, UT & WY). This policy has a $3,500 to $35.000 minimum premium ranging at $1M/$3M limits depending on the class. Coverages available for our Assisted Living Insurance program include:

• Able to offer a two-year admitted policy option
• Policy package including property coverage 
• Occurrence PL coverage for assisted and independent living facilities 
• Abuse and molestation limits up to policy limits
• Defense cost can be either inside or in addition to the limits
• Employee benefits liability coverage available 
• Excess/Umbrella – up to $10 million limits available 
• Hired and non-owned auto coverage

For more information on our program, please visit our Assisted Living 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!  


Security Coverage

Author rlw , 6/18/2015
For years security systems have kept homes and businesses safe and secure. As the crime rate in the country increases, the security system industry elevates and improves. The common alarm systems have sensors to identify broken locks, opening doors and windows, unexpected movement, breaking glass and other intrusion events. They are monitor 24/7 by security companies, which have direct contact with police, fire and medical services. With the advancement of technology, new security systems include other features like detection of smoke and carbon monoxide detection and even home automation like temperature, lighting, locking and other controls to accurate consumer’s demands. However, in order to provide security to their clients a security company needs its own protection. Your client can be exposed to countless risks and needs a coverage that can secure their business.
 
Colonial General offers a Security Company Insurance to provide solutions for security companies categorized risks. We offer liability coverage up to $1,000,000 CSL and physical damage coverage with several different deductible options ranging from $500 - $5,000. This program is written in the Western Region (AZ, CA, CO, ID, NM, NV, UT & WY). We represent various A+ carriers to better suit your clients’ needs.
 
For more information on our program, please visit our Security Company Insurance storefront. You can contact us direct by calling us at 855-980-7480. Our dedicated staff is always ready to help and answer any questions. We look forward to serving from you!

Mobilized Coverage!

Author rlw , 6/8/2015
Automobiles are no longer just a luxury; they have become a necessity to most people. Living in such a fast pace environment, automobiles are needed to keep up with everyday demands. In order to keep cars running smoothly, auto services and repairs are essential. Auto mechanics are hired to provide such services to help maintain your car operating. Mechanics have evolved to keep up with the advances in technology and demand. A lot of mechanics now have mobile services to better service car owners and meet their needs and schedule.

With so much going on in our daily lives, mobile mechanics have become needed. We don’t always have the time to take our cars to mechanic shop or the car may be out of commission. This is when a mobile mechanic comes in handy. Mobile auto mechanics will generally be able to perform most services and repairs that any other mechanic can do inside a shop. They can come right to a person's home to perform a repair and can accommodate a work place.

Colonial General offers a Mobile Mechanics Insurance program that can protects against exposures as well as your client’s vehicle and all of your client’s customer’s cars. Mechanics operating from a premise are also covered. We offer this program in the Western Region (AZ, CA, CO, ID, NM, NV, UT & WY).

We cover the following:
Commercial Garage Coverage Available:
• $3,000,000 Liability AGG
• $5,000 Medical Payments
• Broadened Coverage
• Dealers Physical Damage
• False Pretense Coverage
• Fire Legal Liability
• Garage Keepers Coverage on a Primary basis with specified causes of loss
• Garage Liability Limits up to $1,000,000 for each accident
• In-Transit Coverage for Towing Operations
• Roadside Assistance is also acceptable
• Property Coverage Available

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


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!