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Program Highlights for In-home Business Insurance: Overview — Colonial General Insurance Agency, Inc. In-home Business Insurance Colonial General Insurance Agency, Inc. offers an In-home Business Insurance program designed for small, owner-operated businesses that run from the insured’s residence. Unlike many standard homeowners policies that exclude business exposures, this program is written as a supplement to the homeowner policy so the home and the business can be insured together. Colonial General underwrites these risks as a Managing General Agency and Excess & Surplus Lines broker with access to multiple markets (carriers vary). Ideal accounts and target classes Owner-operated retail distribution from the home (online shops, craft sellers, direct-to-consumer product sales). Service professionals working from a home office (consultants, bookkeepers, designers, small IT shops) with limited or no public traffic. Creative and light production businesses (artists, tailors, small-scale woodworking or custom jewelry where processes and materials are low hazard). Accounts operated by the insured and/or immediate family with no more than three employees. What typically fits — and what does not Good fits are small operations with low premises exposures, limited customer visits, modest inventory stored on site, and no heavy equipment or hazardous processes. This program generally will not accept accounts that involve significant manufacturing, high customer foot traffic, regular on-site instruction/classes with many attendees, large-volume flammable storage, auto repair, or other high hazard operations. Coverage highlights Business Personal Property — protection for stock, tools, and business equipment kept at the residence. Business Income — limited time element coverage for income interruption tied to the home business operations. Business General Liability — coverage for third-party bodily injury and property damage arising from business operations. Standard All Perils Deductible — consistent deductible structure designed to align with the packaged homeowners supplement. Medical Payments — for on-site medical expense payments to third parties regardless of fault. Underwriting notes for agents Maximum employees: typically the insured and immediate family plus up to three employees. Verify payroll and employee counts on submission. Operations: program focuses on retail distribution or low-exposure services performed at or from the home. Describe production processes, materials, and any flammable or hazardous substances used. Premises exposures: photos of the work area, description of customer access and parking, and any fire or safety protections are commonly requested. Loss history: submit prior loss runs when available — underwriting reviews frequency and severity closely on home-business risks. Carrier placement: markets vary by class and state; some territories have admitted capacity while others are placed on a non-admitted/E&S basis (see availability below). Territories and availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted capacity is available in some markets; other placements may be handled on an Excess & Surplus basis depending on the class and state. Because carriers and admitted status vary, submit early or contact Colonial General underwriting to confirm placement options for a specific state and class. Why work with Colonial General on in-home business accounts Colonial General focuses on small, home-based businesses and understands how to package business coverages with homeowner exposures without forcing a separate commercial property policy. The program streamlines placement for common home business classes, offers tailored limits for personal property and liability, and gives agents flexible access to admitted and non-admitted markets. For borderline or nonstandard situations, Colonial General’s MGA/E&S capabilities can help find an appropriate market. Quick example scenarios Example A — An Etsy artisan sells handcrafted goods online and stores finished inventory in a garage workroom. The owner wants coverage for stock, tools, and limited liability for buyer visits. This program can provide business personal property and liability coverage as a supplement to the homeowner policy. Example B — A freelance bookkeeper works from a home office, has no in-person client traffic, and needs professional liability and business income protection for computer equipment and records. The program accommodates low-exposure office services operated from the residence. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s In-home Business program?Accounts that fit best are owner-operated, retail distribution or low-exposure service businesses run from the home, with limited customer visits, modest on-site inventory, and no more than three employees (including immediate family). Examples include online retailers, artists/crafters, consultants, and small home offices. Is this coverage written standalone or combined with a homeowners policy?The program is written as a supplement to the homeowner policy so the residence and the in-home business are insured together. Placement details and eligibility are confirmed by Colonial General underwriters and vary by market. Can customers visit the home for pickups or appointments?Limited customer visits are typically allowed but depend on the class and expected foot traffic. High customer volume, instruction classes, or regular public events are usually not acceptable. Provide details on expected visits when submitting so underwriters can assess exposure. Which states and admitted options are available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets offer admitted capacity while others may require non-admitted/E&S placement; carriers vary by state and class, so check with Colonial General for current market availability. Need help placing an account? Connect with a market specialist.

Your Workers Compensation Solution for Construction Risks Utah Business Insurance Company (UBIC) has developed a dedicated Workers Compensation program tailored for construction-related exposures. This construction-focused solution is designed to meet the unique needs of contractors and trades professionals by offering flexible underwriting and specialized risk management tools. Overview of the Program UBIC's Construction Workers Compensation Insurance program is built to handle the challenges contractors face daily. Whether you're placing a new venture with proven industry experience or a growing contractor expanding across multiple states, this program is designed to deliver responsive underwriting and tailored risk solutions. Ideal Accounts and Appetite This program targets most NCCI construction class codes and is ideal for accounts with a minimum of three employees, not including owners or officers. Roofing contractors are considered, although they require a higher minimum premium. Accounts transitioning from PEO or employee leasing arrangements are also eligible. Example accounts that fit well include: A drywall contractor with five field employees operating in Utah and Nevada A start-up electrical contractor in Colorado with a founder who has prior experience in the industry Coverage Highlights and Advantages Individually underwritten accounts based on risk characteristics—not class-based underwriting Admitted in all available states Access to Companion Property and Casualty, Companion Commercial Insurance, and UBIC Monthly self-reporting and flexible payment plans available Risk Management Tools Custom safety manuals and meeting logs Checklists and safety tips tailored to construction environments Quarterly to annual risk management assessments, depending on account needs Access to phone, in-person, or online safety consultations Underwriting Guidelines and Premiums Most NCCI construction codes are eligible Accounts with experience modification factors up to 1.50 accepted (higher with referral) Minimum premium starts at $2,500 ($5,000 for roofing risks) New ventures accepted with verifiable experience in the trade Territories and Availability This program is available in Arizona, Colorado, Idaho, New Mexico, Nevada, Oregon, and Utah. Multi-location and multi-state operations are eligible. Why Work With UBIC? UBIC brings deep expertise in construction-related workers compensation risks. As a carrier offering admitted solutions across the Western U.S., UBIC provides agents and brokers with competitive underwriting, responsive service, and risk management tools that help your construction clients operate more safely and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Most construction-related businesses with at least three employees beyond the owners are eligible. This includes general contractors, electricians, plumbing companies, and roofing contractors (with higher minimum premium). Is the program available for new ventures?Yes, new ventures are eligible if the owner has prior experience in the same construction trade or industry. Are multi-state or multi-location contractors eligible?Yes, the program supports contractors operating across multiple states or with multiple business locations. Can accounts coming out of a PEO or leasing arrangement qualify?Yes, accounts transitioning from a PEO or employee leasing model are eligible for coverage under this program. What risk management support is included?UBIC provides safety manuals, meeting logs, safety tips, regular risk assessments, and consultation services to help reduce workplace injuries and improve compliance. Need help placing an account? Connect with a market specialist.