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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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Cabinet Making Insurance program tailored to woodworking operations of all sizes. Whether your client builds custom cabinets, fabricates doors and windows, or manufactures furniture, this program provides flexible coverage solutions to protect property, liability, equipment, and crime exposures. Coverage can be written on a mono-line or package basis, allowing you to tailor the policy to your insured’s risk profile and operations. Ideal Accounts and Appetite This program is designed for cabinet makers and other woodworking businesses involved in the manufacture, installation, or repair of wood products. Ideal risks include: Small to mid-sized cabinet manufacturing shops Custom woodworking contractors Furniture fabricators Window and door makers The program accommodates single-location workshops as well as contractors with multiple field crews. It is best suited for operations that perform fabrication, finishing, on-site installation, and light to moderate finishing processes. Accounts with extensive heavy manufacturing, high-hazard finishing (e.g., large industrial spray operations without proper controls), or significant outsourced subcontracting should be submitted with full details for underwriting review. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto Liability included Standard included coverages: Medical Payments – $5,000 limit Additional insureds for contractors and project owners Excess or Umbrella limits available up to $25,000,000 Minimum deductible of $500 required Property Coverage Options: Building and contents Business income and interruption Contractors’ equipment and tools Equipment breakdown Installation floaters for on-site work Outside signs Valuable papers and accounts receivable Bailees’ customer coverage Basic, Broad, or Special form options Replacement cost or actual cash value valuation Crime Coverage Options: Inside the premises – theft of money and securities Robbery or safe burglary of property inside the premises Outside the premises coverage for transit exposures Underwriting Notes and Market Access Colonial General places cabinet making and woodworking risks with a variety of admitted and excess & surplus markets. Submission review is case-by-case to ensure appropriate placement and terms. Typical underwriting considerations include the client’s loss history, finishing processes, fire protection and sprinklers, storage of flammable materials, spray booth controls, tools and equipment values, and installation exposure. A minimum deductible of $500 applies. Territories and Availability This Cabinet Making 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? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides underwriting experience and broad market access for niche and hard-to-place woodworking risks. They combine specialty product knowledge with flexible placement options—admitted where available and E&S where necessary—to help you secure appropriate coverage for challenging accounts. Their platform supports package or monoline placements and can layer excess or umbrella capacity when higher limits are needed. Example accounts that fit well with this program: A single-location custom cabinet shop that fabricates, finishes, and installs cabinets and needs property, equipment, and installation floater coverage for on-site work. A regional millwork contractor with crews in the field that requires hired/non-owned auto liability, contractor’s equipment coverage, and additional insured endorsements for project owners. For more information about Colonial General Insurance Agency, Inc., visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for cabinet makers, custom woodworking shops, furniture builders, and businesses that manufacture or install doors and windows. Is this program available on an admitted basis?Some markets are admitted depending on the account and state. Colonial General has access to both admitted and non-admitted carriers to meet client needs. Can I write this coverage as a package policy?Yes. Coverage can be issued on a mono-line or package basis to give you flexibility in structuring the policy. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the liability coverage?Primary general liability limits are available up to $3,000,000 occurrence/aggregate, with excess or umbrella options up to $25,000,000. Need help placing an account? Connect with a market specialist.