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...ir Heavy truck repair/sales and utility trailer sales/repair Impound yards and emergency vehicle sales/repair We are willing to consider ni...tion, service operations, and vehicle sales. Access to multiple specialty ca...

... implements dealers Horse and utility trailers Hitch and towing accessory inst...S an account such as a regional semi-trailer dealer who sells and delivers uni...

...ming grading, pad preparation and utility trenching for single-family lots wit...ork and whether the insured performs utility excavation or trench shoring. N...

...t occasionally takes on municipal utility projects and has a prior claim — we ...

... Salvage yards, dismantlers, and utility trailer repair Heavy truck sales and repair Examples of good-fit acc...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Public Entity Insurance program designed to meet the diverse needs of today’s governmental organizations. With access to both admitted and non-admitted markets, we provide flexible solutions backed by A.M. Best rated A+XV (Superior) carriers. Whether your clients are small towns or larger municipal organizations, we help you craft tailored coverage options to address their unique exposures with confidence and efficiency. Ideal Accounts and Appetite This program is well-suited for a wide range of public entities, including: City and County Governments Towns, Villages, Boroughs, and Townships Public Fire and Emergency Response Services Police and Sheriff’s Departments Transit and Park Police, and other Governmental Law Enforcement Agencies Water, Sewer, and Irrigation Districts Library Districts, Parks and Recreation Boards Highway and Community Development Boards Other Special Service Districts If you’re working with municipal departments or special service districts looking for reliable risk management solutions, this program is a strong fit. For example, you might have a client who operates a local water district or a regional parks and recreation agency—both are ideal candidates for this coverage. Coverage Highlights and Advantages We offer a robust portfolio of lines that can be packaged or offered as standalone policies: Professional Liability Law Enforcement Liability Public Officials Liability Employment Practices Liability Emergency Dispatchers Liability Firefighters Professional Liability General Liability Property and Inland Marine Crime and Equipment Breakdown Automobile Umbrella These coverages are designed to protect against operational, professional, and personnel-related exposures common to public entities. Our access to multiple markets allows us to find the right fit for your client’s size, scope, and level of risk. Underwriting Notes and Restrictions We maintain a focused underwriting appetite. Please note the following ineligible risks: Property/Casualty coverage in AK, HI, LA, and NM Professional Liability in AK, CA, HI, and LA School Districts are ineligible Transit or Housing Authorities on a stand-alone basis Properties within 25 miles of a coastline in wind-prone areas Automobile risks in MA or NJ Utilities that generate electricity or produce natural gas Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Property and Casualty risks in California are limited to Special Service Districts only. Why Work With Colonial General? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with a deep commitment to the public sector. Our experienced team understands the complex risks faced by municipalities and special districts. With access to multiple carriers and the flexibility to place both admitted and non-admitted business, we help you deliver comprehensive, competitive solutions for your public entity clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for city and county governments, townships, emergency response agencies, law enforcement departments, and special service districts like parks, water, and library boards. Can I place standalone coverages or must they be packaged?Most coverages can be written as part of a package or on a standalone basis, offering flexibility based on your client’s needs. Are school districts eligible under this program?No, school districts are not eligible for coverage under this Public Entity Insurance program. Is this program available on an admitted basis?Yes, we offer both admitted and non-admitted options depending on the risk profile and market availability. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY, with some restrictions in certain states like CA, AK, HI, and LA. Need help placing an account? Connect with a market specialist.

Program Highlights for Ranch Insurance: Colonial General Insurance Agency, Inc. offers a specialized Ranch Insurance program tailored for small to mid-sized farming operations. Whether your insured owns and operates their ranch or leases it to a third party, this program is designed to meet a wide range of property and liability needs with flexible coverage options. Ideal Accounts and Appetite This program is ideal for agents looking to place risks for: Owner-occupied or seasonal/secondary farm and ranch dwellings Tenant-occupied properties with farm/ranch elements Hobby farms or part-time farming operations Clients who lease out land or facilities to third parties Accounts with barns, outbuildings, livestock fencing, equipment, and machinery are all eligible for tailored scheduling of property and personal property coverage. This program is best suited for operations that fall into the small-to-medium farm category, rather than large-scale commercial agriculture. Coverage Highlights and Advantages Coverage is offered on a Basic or Broad form basis, and includes: Comprehensive Personal Liability – Protects the insured against third-party bodily injury and property damage claims. Farm & Ranch Property Coverage – Insures barns, outbuildings, fences, and other structures. Farm & Ranch Personal Property – Covers tools, equipment, tractors, and other machinery. Dwelling and Contents – Offered on a Replacement Cost or Actual Cash Value basis. Flexible Policy Structures Owner Occupied / Seasonal or Secondary – Dwelling and Liability package, with options to schedule Farm & Ranch Property and Personal Property. Tenant Occupied – Dwelling and Loss of Use coverage, with optional scheduled property coverage. Tenant Package – Includes Contents, Loss of Use, and Liability, with options to schedule Personal Property. This flexibility allows agents to tailor policies to fit a variety of client circumstances, from absentee landowners to full-time ranch operators. Underwriting Notes Colonial General works with a variety of carriers to provide competitive solutions, with some admitted markets available depending on the risk and state. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers access to specialty markets that many standard carriers may not accommodate. Underwriting focuses on clean operations with manageable exposures. Risks with significant commercial activity or heavy industrial farming may not be an ideal fit. Territories and Availability This Ranch Insurance 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 Insurance Agency, Inc. brings decades of niche underwriting experience and market access to support independent agents placing hard-to-place or specialty ranch risks. Their flexible program design and regional expertise make them a strong partner for agents working with rural clients or agricultural properties that don't fit within standard homeowners or commercial policies. You can count on responsive service, customizable options, and a team that understands the unique exposures of farm and ranch operations in the Western U.S. Frequently Asked Questions What types of accounts are a good fit for this Ranch Insurance program?The program is ideal for small to mid-sized owner-occupied, tenant-occupied, or seasonal ranch or farm properties. It’s suitable for clients who operate their own ranch or lease their land to others. Can I schedule specific farm property like barns and machinery?Yes, the program allows you to schedule Farm & Ranch Property and Farm & Ranch Personal Property such as barns, fences, machinery, and tools. Is this program available in admitted markets?Some admitted markets are available depending on the risk and state. Colonial General also utilizes excess and surplus lines markets for more specialized accounts. Which states is this program available in?The Ranch Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What makes Colonial General a good partner for ranch coverage?Colonial General offers flexibility, niche expertise, and access to multiple markets, making it easier for agents to place rural property risks that don't fit standard programs. Need help placing an account? Connect with a market specialist.