Search CompleteMarkets

Policy Highlights: Jeep tour operations present unique risks t...altered vehicles or high-risk extreme tours. Need help placing an account? C...

...s to start up a company similar to Jeep tours only they will be using side by sides...

...torefront brokers selling packaged tours and air, cruise, and hotel reservatio...

Policy Highlights for Guide Insurance: Colonial General Insurance Agency, Inc. offers a specialized Guide Insurance program designed for outdoor recreational service providers. This program is ideal for businesses offering guided activities such as hunting, fishing, hiking, backpacking, and cross-country skiing. It also accommodates outfitters who supply outdoor equipment and gear without directly providing guide services. Ideal Accounts and Appetite This program targets small to mid-sized guide and outfitter operations located in the western U.S., including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Eligible classes include: Hunting and fishing guides Hiking and backpacking tour providers Cross-country skiing instructors and guides Outdoor equipment suppliers and outfitters (non-guided) Whether your client operates seasonally or year-round, Colonial General can help you place coverage that addresses the unique exposures of guiding services in rugged and remote environments. Coverage Highlights and Advantages Commercial General Liability Coverage available for guides: Primary limits up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments included Errors and Omissions Coverage—up to policy limits Excess or Umbrella limits up to $25,000,000 No deductible required Property Coverage available: Building, Contents, and Business Income Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value options Computer Equipment and Equipment Breakdown Scheduled Property Floater and Inland Marine Valuable Papers and Accounts Receivable Outside Signs Crime Coverage available for guides: Inside the Premises—Theft of Money and Securities Robbery or Safe Burglary of Other Property Outside the Premises coverage for transit exposures This comprehensive suite of coverages ensures your clients are protected from typical exposures faced by outdoor recreation businesses, including professional liability, property loss, and crime-related risks. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to provide flexible solutions tailored to each account. While minimum premiums are not listed, underwriting is competitive and responsive. Submissions are evaluated based on services offered, experience, safety protocols, and geographic location. You might have a client who runs a small outfitter shop in Colorado that rents gear and occasionally leads weekend backpacking trips. Or perhaps a fishing guide in Idaho looking for liability protection and inland marine coverage for boats and equipment. These types of operations may be a strong fit for this program. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage is offered through both admitted and non-admitted markets, depending on the risk characteristics and state regulations. Why Work With Colonial General Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and E&S broker with deep expertise in niche and hard-to-place risks. Their Guide Insurance program reflects a strong understanding of the outdoor recreation industry and its unique insurance needs. With access to multiple markets and a flexible underwriting approach, Colonial General helps independent agents place business efficiently and competitively. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include guided hunting, fishing, hiking, and cross-country skiing operations, as well as outfitters that provide outdoor gear without offering guided services. Is Errors and Omissions (E&O) coverage included?Yes, E&O coverage is included up to the policy limits as part of the Commercial General Liability section. Can this coverage be written on a mono-line basis?Yes, both mono-line and package policy options are available to suit your client’s needs. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What carriers does Colonial General work with for this program?Colonial General works with a variety of carriers and markets, offering both admitted and non-admitted options depending on the account and location. Need help placing an account? Connect with a market specialist.

Policy Highlights for Mortgage Broker Insurance: Mortgage brokers and other financial professionals face a wide range of operational and liability exposures — from errors and omissions allegations to third-party bodily injury or property damage claims and regulatory complaints. Colonial General Insurance Agency, Inc. offers a focused Mortgage Broker Insurance program that helps agents place tailored protection for mortgage professionals operating across the western U.S. Overview of the Program From Colonial General Colonial General is a managing general agency and excess & surplus (E&S) broker with deep experience placing professional and liability coverages for financial services firms. This Mortgage Broker Insurance program is built to help agents secure E&O and related liability protection for mortgage brokers, loan originators, and small mortgage firms that need both professional and general liability solutions. Ideal Accounts and Appetite This program is a strong fit for: Independent mortgage brokers and mortgage sales teams Small to mid-sized mortgage firms and boutique lenders Loan originators, mortgage consultants, and correspondent brokers We typically prefer accounts with sound underwriting controls, documented policies and procedures, and a limited history of claims or regulatory actions. Startups and established firms can both qualify when risk management practices are in place. Accounts with ongoing regulatory enforcement, significant servicing portfolios, or a large history of litigated claims may require alternative placement strategies. Coverage Highlights and Advantages Limits beginning at $100,000 / $100,000 Deductibles available as low as $1,000 Coverage options may include professional liability (E&O), general liability, and other related protections depending on carrier and underwriting Access to admitted and non-admitted markets (some admitted markets available) *Specific coverages, endorsements, and premiums depend on the carrier selected and the submission details. Underwriting Notes and Minimum Premiums Underwriting is risk-focused and flexible. Colonial General evaluates experience, loss history, compliance posture, and controls to match each account with an appropriate market. Minimum premium requirements vary by carrier and state; our team will review submissions and identify the most competitive options for your client. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? Colonial General combines specialized underwriting for mortgage professionals with broad market access. As an MGA and E&S broker, we place business quickly when you need responsive quotes and solutions that reflect the client’s operations. Our underwriters collaborate with agents to identify the right carrier and coverage structure for each risk, particularly in western U.S. territories where we maintain established relationships. Whether you need a straightforward E&O policy for an independent broker or a layered solution for a growing mortgage firm, Colonial General can help you find placements that balance coverage and cost. Examples of Accounts That Fit You have a small mortgage brokerage with 2–5 loan originators, documented procedures, and no recent claims — you can pursue primary E&O limits with low deductibles through this program. A boutique lending firm that refers loans and needs combined professional and general liability coverage — Colonial General can evaluate admitted and non-admitted options to match the firm’s needs and budget. Frequently Asked Questions What types of accounts are a good fit for this program?Independent mortgage brokers, boutique lending firms, and loan originators with documented risk controls and a clean loss history are ideal candidates. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What coverages can be included in the policy?Coverage options depend on the carrier and underwriting but commonly include professional liability (E&O), general liability, and other related protections as needed. Are both admitted and non-admitted markets available?Yes. Colonial General has access to both admitted and non-admitted markets; availability varies by state and the risk profile. What is the minimum deductible and coverage limit offered?Deductibles can start as low as $1,000, with coverage limits beginning at $100,000 / $100,000. Exact terms depend on the carrier and underwriting outcome. Need help placing an account? Connect with a market specialist.