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Woodworking Insurance — Colonial General Insurance Agency, Inc. Overview of the Program Colonial General Insurance Agency, Inc. offers a dedicated Woodworking Insurance program for agents placing coverage for cabinetmakers, furniture manufacturers, window and door shops, millwork operations and related woodworking contractors. This program provides both property and liability solutions on a mono-line or package basis and can be placed through admitted markets where available or on an excess & surplus basis as needed. Ideal Accounts and Appetite This program works well for small- to mid-sized woodworking and millwork operations that perform design/build, installation and manufacturing for residential and light commercial clients. Typical accounts include: Custom cabinet shops and furniture makers Window and door fabricators and installers Millwork shops producing trim, moulding and architectural components Contractors who both manufacture and install finished goods The program is geared toward operations with standard woodworking exposures (saws, routers, finishing operations, assembly) and reasonable loss histories. It is generally not intended for heavy industrial wood product manufacturers, high-hazard specialty processes, or accounts with frequent/large recent losses. Coverage Highlights and Advantages Underwriters provide flexible options to match the account’s exposures. Key highlights include: Commercial General Liability — Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage available Medical Payments coverage with a $5,000 limit included Additional interests can be named Excess/Umbrella limits up to $25,000,000 Property coverage options: Basic, Broad, or Special form; building, contents, business income Specialized property add-ons: Bailees’ Customer, Contractors’ Equipment, Installation Floater, Accounts Receivable, Valuable Papers Equipment Breakdown and Outside Signs available Replacement Cost or Actual Cash Value valuation Crime coverage options: inside the premises (theft of money and securities), inside premises robbery or safe burglary of other property, and outside the premises Minimum $500 deductible required Underwriting Notes and Typical Submission Requirements Colonial General’s underwriting team evaluates operations by process, revenue mix, and controls. Common factors they consider include finishing operations (spray booths), dust collection and housekeeping, flammable solvent storage, installation exposures, and bailee/customer exposures. To accelerate review, provide a clear description of operations, years in business, estimated annual receipts or payroll, and recent loss history. Underwriters commonly request a completed application and loss runs; they may also ask for photos of the workspace and protection details for facilities using spray finishes or large finishing systems. Territories and Admitted Status This program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Colonial General places coverage through multiple markets — admitted where offered and excess & surplus lines where necessary. The admitted status varies by state and by carrier ("Some Available Markets"). Why Place Woodworking Business Through Colonial General? Specialized focus — underwriting that understands woodworking operations and the common loss drivers for small and mid-size shops. Flexible placement — access to a range of admitted and E&S markets and ability to package property and liability with ancillary coverages like bailee and installation floaters. Competitive limit options — higher primary limits and significant umbrella capacity for contractors who need broader protection. Responsive underwriting — practical risk mitigation guidance and tailored terms for accounts with standard controls. Example Accounts You might have a client who operates a local cabinet shop with light installation services and modest annual receipts — this program can provide packaged property and liability with bailee coverage for customer goods. Or you could place a larger regional millwork shop that needs higher liability limits, an installation floater and contractors’ equipment coverage while protecting customer property with bailee’s coverage. For submission help or to confirm market availability in a specific state, contact Colonial General’s underwriting desk through your regular wholesale channels. Colonial General acts as a Managing General Agency and Excess & Surplus Lines Broker with multiple carrier relationships. Frequently Asked Questions What types of woodworking accounts are a good fit for this program?The program targets small- to mid-sized woodworking and millwork operations — cabinetmakers, furniture shops, window and door fabricators, and install-focused contractors. Shops with standard woodworking processes and reasonable loss history are preferred. Are admitted markets available or is this E&S only?Colonial General places business in both admitted and excess & surplus markets. Availability depends on state and carrier appetite; some markets are admitted while others are written on an E&S basis. What limits and key coverages can I expect?Commercial General Liability primary limits are available up to $3,000,000 occurrence/aggregate. Excess or umbrella capacity can go up to $25,000,000. Property, bailee’s customer, installation floaters, equipment breakdown and crime coverages are also available. A minimum $500 deductible is required. What underwriting information should I include with a submission?Include a description of operations, estimated annual receipts or payroll, years in business, and current loss runs. Underwriters will also want to know about finishing operations, dust control, storage of flammables, and whether the client performs installations or has bailee exposures. Which states does the program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Market availability and admitted status can vary by state. Need help placing an account? Connect with a market specialist.

Amwins Woodworking Operations program from Amwins Underwriting is a specialty property and casualty program designed for woodworking plants and related operations. The program targets sawmills, furniture and cabinet manufacturers, pallet and truss plants, dimension mills, wood chip and mulch manufacturers, wood treating plants, and retail or wholesale building material dealers. As a Managing General Agency, Amwins Underwriting combines underwriting expertise with access to multiple A+ rated carriers and both admitted and non-admitted placement options to handle standard and hard-to-place woodworking risks. Overview of the Program The program provides a packaged solution tailored to the unique property and liability exposures of woodworking operations. Coverage is modular and can include property (with business interruption), general liability, commercial auto, inland marine, boiler & machinery (equipment breakdown), umbrella excess, and specialty options such as a sidecar solution for difficult risks. Ideal Accounts and Appetite Sawmills, dimension mills and truss manufacturers with controlled production exposures. Furniture and cabinet manufacturers, including small- to mid-sized shops supplying residential and commercial markets. Pallet plants, mulch and wood chip operations, and wood treating facilities with appropriate risk controls. Retail and wholesale building material dealers that store or finish lumber onsite. Amwins favors accounts with documented loss control, up-to-date equipment maintenance, and reasonable fire protection measures. Accounts with frequent heavy-duty welding, high-voltage electrical exposures without documented controls, or repeated serious losses may require referral or be placed through the sidecar solution. Coverage Highlights and Advantages Comprehensive package options combining property, business interruption and general liability. High property limits available for large operations and high-value inventories. General liability limits typically offered at $1,000,000 per occurrence / $2,000,000 aggregate. Sidecar placement available for hard-to-place primary (up to $5M) and excess capacity (up to $7.5M). Choice of admitted or non-admitted paper, depending on state and client needs. Access to multiple A+ rated carriers and specialty underwriting appetite for woodworking exposures. Underwriting Notes and Submission Requirements To quote quickly, include complete submissions with: Five years of loss runs Schedule of values (SOV) for buildings and contents Photographs of buildings and exposures, where available Thermal imaging (thermo-scan) results, if completed Underwriters look for evidence of routine maintenance, fire protection (sprinklers, alarms), dust control measures, proper storage of flammable finishes/solvents, and clear housekeeping practices. Complex or large accounts may require a site survey or additional engineering data. Territories and Availability National availability with focused appetite in the Southeastern and Midwestern United States. The program can place business on both admitted and non-admitted paper and is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Amwins Underwriting on Woodworking Plants Specialized woodworking underwriting expertise that understands production and inventory exposures. Flexible placement options including admitted and non-admitted carriers and a sidecar for difficult risks. Capacity for higher property limits and structured programs for business interruption exposures. Responsive underwriting team experienced in handling common woodworking loss drivers (combustible dust, hot work, equipment breakdown). Example Accounts You have a regional truss manufacturer with $6M in buildings, a sprinklered shop, documented maintenance and 2 years of clean loss history — this program can provide property and GL limits with high property capacity. You represent a small cabinet shop with solvent-based finishing and limited fire protection — the program’s underwriters can evaluate dust and solvent controls and may place the account with enhanced conditions or on the sidecar if necessary. Frequently Asked Questions What types of woodworking accounts are the best fit for this program?Sawmills, dimension mills, truss and pallet manufacturers, cabinet and furniture shops, wood treating plants, and building material dealers with documented maintenance and basic fire protection are the primary targets. The program also considers higher-value operations with strong controls. What submission items are needed for a fast review?Include five years of loss runs, a schedule of values, photographs of buildings/exposures if available, and any thermo-scan or maintenance reports. The more detail on controls and housekeeping you provide, the quicker underwriting can assess appetite and pricing. When is the sidecar solution used?The sidecar is intended for hard-to-place risks that exceed standard appetite or have specific exposures (e.g., prior large losses, unique operations). It provides additional primary or excess capacity when admitted/non-admitted markets are limited. Is coverage available admitted or non-admitted?Amwins Underwriting can place accounts on both admitted and non-admitted paper depending on the state and client needs. Underwriters will determine the best placement based on appetite, coverage requirements and regulatory considerations. Need help placing an account? Connect with a market specialist.