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Specialized Adult Daycare Program from Vintage Underwri... Which carrier backs this program?The Adult Daycare Program is written through Mesa S...

...y counseling E&O and coverage for daycare/preschool operations. Colonial Gener...sions (clergy counseling E&O and daycare E&O), abuse coverage options,...

...wner who operates a small in-home daycare — this exposure may be placed under CPL with the appropriate daycare endorsement. Frequently Asked Ques...

LESSOR'S RISK **** WE ACCEPT / ENTERTAIN ALL TYPES OF TENANTS **** Overview of the Program From Vintage Underwriters Vintage Underwriters offers a flexible, competitive Lessor's Risk Insurance (Landlord Policy) program built for agents who need market access for tenant-occupied commercial property risks. Whether your client owns a single building or manages multiple leased spaces, this program combines property and liability solutions and focuses on placement options for harder-to-place occupancies through access to multiple non-admitted carriers and tailored underwriting. Ideal Accounts and Appetite This program is a strong fit for commercial landlord risks in Texas with tenant occupancy between 31% and 100%. We routinely consider retail, office, food service, service contractors, light manufacturing, and similar occupancies. The program is designed to handle accounts other markets may decline, but there are clear tenant exclusions: Fireworks dealers Grain silos Military or defense-related operations Aerospace facilities (office use only is acceptable) Pharmaceutical manufacturing or distribution If you have a borderline or unusual tenant, submit the risk — many are entertained with underwriting review and carrier placement options. Coverage Highlights and Advantages Vintage Underwriters can package property and liability under one policy or offer monoline options to suit the insured's needs. Key program features include: General Liability Limits available up to $5M / $5M / $5M (primary) Assault & Battery coverage offered where appropriate Hired and Non-Owned Auto Liability available Aggregate Per Location endorsement available Property Coverage In-house binding authority up to $3M per location Brokerage access to placement capacity up to $10M per location Business Income and Rental Value offered up to 12 months Equipment Breakdown and Sign Coverage available Umbrella Liability Standalone umbrella policy options Limits up to $10M written in $1M layers $500M per layer; tenant restrictions may apply Underwriting Notes and Minimum Premiums We provide practical minimum premiums to help you place accounts that might otherwise be declined: Package Policy: Starting at $750 minimum premium Monoline Policy: Starting at $500 minimum premium Our underwriters work directly with agents to evaluate exposures and structure submissions for the best carrier match. We handle both routine and challenged accounts with a solutions-first approach. Territories and Availability This Lessor's Risk program is available in Texas and is offered on a non-admitted basis through multiple carrier relationships. Our non-admitted access helps secure coverage for occupancies and risk characteristics that are difficult to place on admitted paper. Why Work With Vintage Underwriters on Lessor’s Risk Accounts? Vintage Underwriters brings focused underwriting, market access, and responsiveness to landlord accounts. We specialize in placing tenant-occupied commercial properties — including mixed-use and partially occupied buildings — where flexibility and carrier placement are critical to getting business bound. Example scenarios that fit well: You have a client who owns a 40% occupied retail strip center with a vape shop, hair salon, and small café seeking combined property and liability limits on a non-admitted program. Your insured manages a commercial building with office and light manufacturing tenants where one tenant has an uncommon operation — submit for review and we’ll evaluate placement options. Our underwriting team is available to review submissions and provide guidance on documentation and risk improvements that increase placement potential. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial properties with active tenants — retail, office, light industrial, and similar occupancies. Occupancy between 31% and 100% is eligible; the program is designed to handle many harder-to-place tenant mixes. Are there any tenant restrictions?Yes. We typically exclude fireworks dealers, grain silos, military/defense operations, aerospace facilities (except general office use), and pharmaceutical manufacturing or distribution. Is this program available outside of Texas?No — this Lessor’s Risk program is currently offered only in Texas. What are the minimum premiums?Minimum premiums start at $750 for package policies and $500 for monoline policies. Can this program cover vacant or partially occupied properties?Properties with at least 31% occupancy are eligible. Fully vacant properties are excluded. Need help placing an account? Connect with a market specialist.

...th Services • Community Services • Adult Daycare • Foster Care • Domestic Adoption Av...

... Alternative medicine providers Adult daycare centers Dialysis, nephrology, and ...

...utique pet store with an in-store daycare or play area • A regional animal she...

...ensed day care center, an in-home daycare, or a child care service affiliated ...

... Licensed massage therapy and daycare for members Physical therapy cli...

Policy Highlights: Jeep tour operations present unique risks that require specialized insurance protection. Whether your clients operate guided Jeep tours, offer Jeep rentals, or manage a fleet for off-road excursions, Colonial General Insurance Agency, Inc. provides targeted insurance solutions designed to meet the needs of this adventurous niche. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers access to a range of markets with flexible coverage options tailored for Jeep tour operators. With admitted and non-admitted solutions available, agents can confidently place these accounts with a partner who understands the risks of outdoor and adventure tourism. Ideal Accounts and Appetite: Colonial General is a great fit for standard Jeep tours and rental operations that focus on recreational, sightseeing, or guided adventure experiences. Ideal clients include: Companies offering off-road Jeep tours in national parks or desert regions Jeep rental services for tourists and outdoor enthusiasts Operators conducting guided trail excursions Important Note: Colonial General does not currently offer coverage for altered vehicles or "Extreme Tours" involving high-speed, high-risk, or heavily modified off-road vehicles. Coverage Available: Liability coverage up to $1,000,000 Combined Single Limit (CSL) Physical damage coverage with deductible options ranging from $500 to $5,000 Radius options available up to 500 miles Cargo coverage limits up to $100,000, including refrigerator breakdown protection This program is designed to help your clients manage exposures related to passenger liability, vehicle damage, equipment loss, and cargo protection. Whether you’re placing a single-unit operator or a fleet of Jeeps, Colonial General offers scalable coverage to meet different operational needs. Underwriting Considerations Underwriting is flexible, but risk profiles should reflect safe, guided tour environments and well-maintained vehicles. Accounts with a good safety record, proper driver training, and compliant vehicle modifications are more likely to fit within the program parameters. Territories and Availability This Jeep Tour Insurance program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. These regions offer prime terrain for Jeep adventures, and Colonial General’s local expertise helps agents secure coverage efficiently and competitively. Why Work With Colonial General? Colonial General brings deep experience in specialty and outdoor recreation risks. As a trusted MGA and E&S broker, they provide agents with access to a wide variety of carriers (varies by account) and responsive underwriting support. You’ll benefit from Colonial General’s streamlined process, regional market knowledge, and commitment to helping agents grow their book in niche industries like Jeep tourism. Whether you’re working with a start-up Jeep tour company in Moab or helping a seasoned rental operator in Sedona expand coverage, Colonial General is ready to help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for Jeep tour operators and Jeep rental businesses offering recreational or sightseeing trips. It does not cover extreme off-road or modified vehicle operations. Is physical damage coverage available for the vehicles?Yes, physical damage coverage is available with deductible options ranging from $500 to $5,000. Are there geographic restrictions on where this program is offered?Yes, this program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is the maximum liability limit offered?The program offers liability coverage up to $1,000,000 Combined Single Limit (CSL). Does the program cover altered vehicles or extreme tours?No, Colonial General does not offer coverage for altered vehicles or high-risk extreme tours. Need help placing an account? Connect with a market specialist.