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Policy Highlights for Directors and Officers Insurance: In today’s...and enhanced protection for outside directorships—features that provide strong...

Policy Highlights for Office Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Office Insurance program designed to meet the needs of owner-occupied office buildings and leased office spaces. This program is ideal for agents looking to place small to mid-size commercial office accounts with straightforward, on-premises exposures. Coverage can be written on a mono-line or package basis, offering flexibility based on your client’s unique risk profile. Ideal Accounts and Appetite This program is best suited for professional services and administrative office operations with low foot traffic and minimal off-premises exposures. Examples of good fits include: Medical and dental offices Accounting or law firms Real estate agencies Small business consulting firms Accounts with on-site manufacturing, heavy retail traffic, or industrial operations are outside of appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage $5,000 Medical Payments Coverage included Additional Interests—Landlords included at no charge Coverage limited to designated premises Contractual Liability Limitation applies Excess or Umbrella Limits available up to $25,000,000 No deductible required Property Coverage: Accounts Receivable Basic, Broad, or Special Form available Building and Contents coverage Business Income protection Computer Equipment and Equipment Breakdown Outside Signs and Valuable Papers Replacement Cost or Actual Cash Value options Crime Coverage: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Losses occurring Outside the Premises Underwriting Notes Coverage is designed for standard office risks with minimal customization needed. The program accommodates both owner-occupied and tenant-occupied settings. Underwriting focuses on clean risks with good housekeeping and no significant prior losses. Admitted and non-admitted markets are available depending on the risk profile and state. Territories and Availability This Office Insurance program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary by carrier and risk characteristics. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in commercial property and casualty markets. Agents benefit from access to a variety of carriers and flexible underwriting for office-related risks. Whether you're placing a single-location dentist’s office or a multi-tenant professional building, Colonial General’s team can help you find the right solution quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for low-hazard professional offices such as accountants, lawyers, consultants, and medical or dental offices. Can I write both property and liability coverage through this program?Yes, coverage is available on a mono-line or package basis, allowing you to write property, liability, or both depending on your client’s needs. Is this program available on an admitted basis?Some markets are admitted, while others are non-admitted, depending on the risk and state. Colonial General can help determine the best fit. Are there coverage options for crime or employee theft?Yes, crime coverage includes theft of money and securities, robbery, and safe burglary both inside and outside the premises. Which states is this program available in?The Office Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...ient is servicing nursing homes, assisted living facilities, correctional inst... imaging services to nursing homes, assisted living facilities, correctional institutions, and ...

...etite This program is built for facilities that provide detoxification and reh...al-affiliated units, and specialty facilities focused on substance abuse treat...

...rse Association) Organizations Assisted Living Facilities Homemaker and Co...deal for home healthcare providers, assisted living facilities, hospice care services, and non-...