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Policy Highlights for our Artisan program: Colonial General Insurance Agency, Inc. offers a specialized Artisan Insurance program designed to meet the needs of contractors and skilled tradespeople across a wide range of eligible operations. Whether your clients need Property, General Liability, or Crime Coverage, we provide flexible solutions on a mono-line or package basis to help you place business quickly and efficiently. This program is ideal for artisan contractors who focus on specific trades—such as electricians, plumbers, HVAC technicians, painters, and similar professions. With access to both admitted and non-admitted markets (depending on the risk and state), we can support a broad class of risks across the western U.S. Commercial General Liability Coverage available for Artisan Insurance: • Primary limits up to $3,000,000 Occurrence / Aggregate • Electronic Data Liability • Excess or Umbrella limits up to $25,000,000 • $5,000 Medical Payments Coverage included at no additional charge • Blanket Additional Insureds—when required by contract, written agreement, or permit • Primary and Noncontributory wording available under CG 20 33 • Blanket Waiver of Subrogation included per prior written agreement • Per Project Aggregate available These features help your clients meet project requirements, reduce contractual disputes, and provide enhanced protection on job sites. Property Coverage available: • Building and Business Personal Property • Business Income and Extra Expense • Contractor’s Equipment • Equipment Breakdown • Inland Marine • Installation Floater • Computer Equipment • Accounts Receivable • Outside Signs • Basic, Broad, or Special Form options Crime Coverage available: • Theft of Money and Securities (inside and outside the premises) • Robbery or Safe Burglary of Other Property • Valuable Papers • Contractor’s Equipment • Installation Floater • Computer Equipment • Accounts Receivable • Outside Signs Ideal Accounts and Appetite Our Artisan Insurance program is best suited for small to mid-size contractors who specialize in a single trade or a combination of approved operations. You might have a client who runs a small HVAC business or an independent electrician working on residential and light commercial projects—these are great fits for our program. Risks with a clean loss history and those requiring certificates with additional insured wording, waiver of subrogation, or other contract-specific endorsements are welcome. Underwriting Notes and Market Access We work with a variety of carriers, allowing us to find competitive solutions for your artisan clients. Underwriting is handled with a practical, solutions-oriented approach. Some markets are admitted, while others may be surplus lines, depending on the class and state. Minimum premium varies by risk and coverage selected. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. We understand the regional nuances and construction trends in these western states, and our team is equipped to help you navigate them with confidence. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche contractor and artisan markets. Our team is responsive, knowledgeable, and focused on helping you place business efficiently. With access to multiple markets and competitive coverage options, we provide the tools and support you need to succeed. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized artisan contractors such as electricians, plumbers, HVAC techs, painters, and similar trades are ideal for this program. Is this program available in admitted markets?Some admitted markets are available depending on the risk and the state, while others may be placed through surplus lines carriers. Can I get coverage for contractor’s equipment?Yes, contractor’s equipment coverage is available under both property and crime options, including inland marine and installation floaters. Which states is this Artisan Insurance program offered in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are additional insured endorsements included?Yes, blanket additional insured endorsements are available when required by contract, agreement, or permit, along with waiver of subrogation and primary/noncontributory wording. Need help placing an account? Connect with a market specialist.

Cochrane & Company’s Adult Day Care Insurance program offers tailored coverage for licensed, commercially operated adult day care facilities. The program can be written on a monoline or packaged basis to protect licensed social-type adult care operations that provide minimal medical care and focus on supervised activities. Overview of the Program From Cochrane & Company This program is designed for independent agents and brokers who need a specialized market for adult day care operations. Cochrane & Company provides flexible liability and property options, plus abuse coverage and an E&O component, to help you place accounts that may not fit standard commercial carriers. Ideal Accounts and Appetite Licensed, commercially operated adult day care facilities that provide social activities and minimal medical care. Majority of attendees should be ambulatory. Programs will consider facilities with up to 35% Alzheimer's/dementia clients provided anti-wandering devices are installed on exits. Facilities with swimming pools will be considered (underwriting review required). Not intended for residential care, skilled nursing, or facilities providing significant medical or 24-hour custodial care. Coverage Highlights and Advantages Commercial General Liability Primary limits available up to $3,000,000 occurrence/aggregate. Excess/umbrella capacity available up to $25,000,000. Included coverages: Medical Payments — $5,000 limit Additional insureds/Additional interests Errors & Omissions coverage part included Sexual and Physical Abuse coverage — policy limits up to $100,000 per claim / $300,000 aggregate (higher optional limits available) No deductible required for general liability on standard placements. Property Coverages Building and Business Personal Property Business Income / Extra Expense Forms: Basic, Broad, or Special Valuation: Replacement Cost or Actual Cash Value Equipment Breakdown Food Spoilage Accounts Receivable Computer Equipment Outside Signs and Valuable Papers Crime: Coverage available for losses both inside and outside the premises. Underwriting Notes and Minimum Premiums Underwriting focuses on staffing, client mix, physical security (including anti-wandering measures), activity supervision, and pool safety where applicable. Facilities serving higher percentages of memory-care clients require documented risk controls and may have added conditions. Minimum premium varies by state, carrier selection, and coverage configuration; premium is listed as “Varies.” Carriers: varies by account; Cochrane & Company places business with multiple markets. Admitted status: program availability varies; contact Cochrane & Company to confirm whether admitted or surplus placement applies for a given state and account. Territories and Availability This program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, WY. Availability and terms may vary by state and carrier. Why Work With Cochrane & Company on Adult Day Care Business Specialized appetite for licensed adult day care operations that need liability and property protection beyond standard commercial lines. Flexible limits and package options, including sexual/physical abuse limits and an E&O component suited to social-care exposures. Underwriting that will consider dementia clients with proper anti-wandering controls and facilities with pools (subject to inspection/risk controls). Multiple market access through a managing general agency structure — helpful when standard carriers decline or limit terms. Frequently Asked Questions What types of adult day care accounts are a good fit for this program?Licensed, commercially operated facilities that provide supervised social activities and minimal medical care are the best fit. The majority of attendees should be ambulatory; programs with up to 35% Alzheimer’s/dementia clients may qualify if anti-wandering devices are in place on exits. What liability limits and special coverages are available?Primary GL limits up to $3,000,000 occurrence/aggregate and excess/umbrella capacity up to $25,000,000. The program includes medical payments, E&O coverage part, and sexual/physical abuse coverage (policy limits commonly up to $100K/$300K with higher options available). Are pools and memory-care clients automatically excluded?No. Pools and memory-care clients are considered but will be underwritten. Pools require documented safety measures and supervision; memory-care populations are acceptable up to program limits when anti-wandering devices and other controls are in place. How do I submit an account and what information underwriters need?Provide the facility’s license, occupant profile (percentage ambulatory vs. memory care), staffing ratios, activity schedule, description of security and anti-wandering measures, pool safety protocols (if applicable), and recent loss history. Detailed submissions improve quote accuracy. Need help placing an account? Connect with a market specialist.

Overview of the Program From Colonial General Insurance Agency, Inc. Colonial General’s Halfway House Insurance program is designed for agents placing property and liability coverage for health care and social service facilities that provide voluntary outpatient services and/or short-term or temporary stays. Available on a mono-line or packaged basis, the program combines commercial general liability, property, crime, and professional exposure options to address the mix of premises, operations and abuse/molestation risks typical of transitional care and community residential settings. Ideal Accounts and Appetite This program is a fit for facilities such as halfway houses, transitional living programs, sober living and outpatient treatment centers that offer voluntary, short-term stays and on-site services. Typical accounts include small to midsize facilities with limited medical procedures, structured supervision, and documented intake/monitoring processes. Generally acceptable: Voluntary outpatient treatment programs with temporary overnight stays Transitional residential programs and halfway houses Community support and social service facilities with on-site supervision Generally not a fit (examples): facilities providing long-term skilled nursing, inpatient acute psychiatric care, extensive surgical or inpatient medical procedures, or accounts with known regulatory or licensing issues. Underwriting will evaluate claims history, staffing, resident mix and supervision policies. Coverage Highlights and Advantages Colonial General offers broad limits and modular coverages that let you tailor policies to client exposure. Highlights include: Commercial General Liability — Primary limits up to $3,000,000 occurrence/aggregate Excess/Umbrella — Limits available up to $25,000,000 Additional interests coverage — $100 each Included coverages: Medical payments ($5,000), Errors & Omissions (professional liability) part, and Sexual & Physical Abuse coverage (up to $25,000 per claim/$50,000 aggregate; higher limits optional) Property coverage options — Accounts receivable, building, contents, business income, equipment breakdown, food spoilage, computer equipment, outside signs, valuable papers, replacement cost or ACV, and choice of basic, broad or special form Crime coverage — Inside the premises (theft of money and securities; robbery or safe burglary of other property) and Outside the premises These options help manage the common exposures for transitional care providers: third-party liability, abuse/molestation allegations, property loss and crime/theft risks tied to cash handling and communal settings. Underwriting Notes and Minimums Underwriting focuses on occupancy type, resident population, staffing levels, written policies (intake, supervision, medication control, background checks), and prior loss activity. A $500 minimum deductible is required. Appetite and terms vary by state and by market; Colonial General places accounts both admitted and non-admitted depending on available markets. Territories and Availability The program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted coverage is available in some markets; where admitted placements are not available, Excess & Surplus (non-admitted) options are offered. Carrier availability varies by submission and state. Why Work With Colonial General on Halfway House Accounts As a Managing General Agency and E&S broker, Colonial General combines targeted underwriting with access to multiple markets so you can place complex transitional care risks that standard markets may decline. The program’s modular structure lets you add property, crime, professional, and abuse/molestation limits to fit client exposures. Use this market when you need flexible limits, higher umbrella capacity, or specialty abuse coverage options for voluntary residential/social service facilities. Example scenarios You have a small transitional living home that needs primary liability, contents, and business income coverage after a prior property claim — the program can package property and liability with a $500 deductible. An outpatient treatment center that occasionally houses clients overnight needs sexual/physical abuse coverage and an excess umbrella — higher umbrella limits are available through Colonial General’s markets. Frequently Asked Questions What types of accounts are a good fit for the Halfway House Insurance program?Facilities providing voluntary outpatient services and short-term or temporary stays—such as halfway houses, transitional living, sober living, and similar social service programs—are the core appetite. Underwriting will confirm staffing, supervision and intake protocols. What liability and abuse coverage limits are available?Primary commercial general liability is available up to $3,000,000 occurrence/aggregate, with excess/umbrella capacity up to $25,000,000. Sexual and physical abuse coverage is included up to $25,000 per claim/$50,000 aggregate with higher optional limits available subject to underwriting. Is property and crime coverage available through this program?Yes. Property options include building, contents, business income, equipment breakdown, replacement cost or ACV, and more. Crime coverage for inside and outside the premises (theft, robbery, safe burglary, etc.) is also available. Need help placing an account? Connect with a market specialist.