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... mid-sized delis, sandwich shops, bakery-cafés, and similar food-service risks...rogram is best for small to mid-sized delis, sandwich shops, and café/deli hybrids with primarily food sales a...

...ency, Inc. offers a comprehensive Bakery Insurance program designed to meet th...tes is this program available in?The Bakery Insurance program is available in ...

...s targeted insurance solutions for delicatessens through our Delicatessen Insurance program. With access...s. Ideal accounts include grab-and-go delis, small cafés, and gourmet sandwich...

...ity or liquor legal protection. Bakery, deli and takeout operations with typical ex...ngle-location restaurants, pizzerias, delis, bakeries, takeouts, and neighborh...

...es Fast-food takeout operations, delis, food courts, rotisserie shops, and c...ogram is ideal for restaurants, bars, delis, catering firms, nightclubs, groce...

...d Minimum Premiums Underwriting guidelines vary by carrier and state. Colonial...n remote areas, subject to carrier guidelines and underwriting review. Need ...

Policy Highlights for Mortgage Broker Insurance: Mortgage brokers and other financial professionals face a wide range of operational and liability exposures — from errors and omissions allegations to third-party bodily injury or property damage claims and regulatory complaints. Colonial General Insurance Agency, Inc. offers a focused Mortgage Broker Insurance program that helps agents place tailored protection for mortgage professionals operating across the western U.S. Overview of the Program From Colonial General Colonial General is a managing general agency and excess & surplus (E&S) broker with deep experience placing professional and liability coverages for financial services firms. This Mortgage Broker Insurance program is built to help agents secure E&O and related liability protection for mortgage brokers, loan originators, and small mortgage firms that need both professional and general liability solutions. Ideal Accounts and Appetite This program is a strong fit for: Independent mortgage brokers and mortgage sales teams Small to mid-sized mortgage firms and boutique lenders Loan originators, mortgage consultants, and correspondent brokers We typically prefer accounts with sound underwriting controls, documented policies and procedures, and a limited history of claims or regulatory actions. Startups and established firms can both qualify when risk management practices are in place. Accounts with ongoing regulatory enforcement, significant servicing portfolios, or a large history of litigated claims may require alternative placement strategies. Coverage Highlights and Advantages Limits beginning at $100,000 / $100,000 Deductibles available as low as $1,000 Coverage options may include professional liability (E&O), general liability, and other related protections depending on carrier and underwriting Access to admitted and non-admitted markets (some admitted markets available) *Specific coverages, endorsements, and premiums depend on the carrier selected and the submission details. Underwriting Notes and Minimum Premiums Underwriting is risk-focused and flexible. Colonial General evaluates experience, loss history, compliance posture, and controls to match each account with an appropriate market. Minimum premium requirements vary by carrier and state; our team will review submissions and identify the most competitive options for your client. Territories and Availability This 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 combines specialized underwriting for mortgage professionals with broad market access. As an MGA and E&S broker, we place business quickly when you need responsive quotes and solutions that reflect the client’s operations. Our underwriters collaborate with agents to identify the right carrier and coverage structure for each risk, particularly in western U.S. territories where we maintain established relationships. Whether you need a straightforward E&O policy for an independent broker or a layered solution for a growing mortgage firm, Colonial General can help you find placements that balance coverage and cost. Examples of Accounts That Fit You have a small mortgage brokerage with 2–5 loan originators, documented procedures, and no recent claims — you can pursue primary E&O limits with low deductibles through this program. A boutique lending firm that refers loans and needs combined professional and general liability coverage — Colonial General can evaluate admitted and non-admitted options to match the firm’s needs and budget. Frequently Asked Questions What types of accounts are a good fit for this program?Independent mortgage brokers, boutique lending firms, and loan originators with documented risk controls and a clean loss history are ideal candidates. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What coverages can be included in the policy?Coverage options depend on the carrier and underwriting but commonly include professional liability (E&O), general liability, and other related protections as needed. Are both admitted and non-admitted markets available?Yes. Colonial General has access to both admitted and non-admitted markets; availability varies by state and the risk profile. What is the minimum deductible and coverage limit offered?Deductibles can start as low as $1,000, with coverage limits beginning at $100,000 / $100,000. Exact terms depend on the carrier and underwriting outcome. Need help placing an account? Connect with a market specialist.

...on a monoline or package basis and delivers robust protection for property and...

Policy Highlights: Motorcycle dealerships and repair shops face distinct liability and property exposures that require specialized insurance solutions. Colonial General Insurance Agency, Inc. offers a Motorcycle Sales and Repair Insurance program built for the motorcycle industry — from new and used dealers to custom shops and full-service repair facilities. Through access to multiple admitted and surplus markets, this program gives agents flexible options to match each client’s operations and risk profile. Ideal Accounts and Appetite This program is designed for independent agents placing accounts such as: Motorcycle dealerships (new and used) Repair, maintenance, and service shops Custom bike builders and specialty fabrication shops Shops that sell or install parts, accessories, apparel, or provide towing Combined operations — for example, a dealership with an attached service bay and a retail accessories section — are a strong fit. You might have a client who runs a small dealership that also offers on-site customization and towing; this program can consolidate those exposures under one policy. Coverage Highlights and Advantages Colonial General’s Motorcycle Sales and Repair Insurance provides broad commercial garage solutions tailored to the industry. Key features include: Garage Liability: Limits up to $1,000,000 per occurrence Aggregate Liability: Up to $3,000,000 Medical Payments: $5,000 Garage Keepers: Available on a primary basis with specified causes of loss Dealers Physical Damage for inventory and customer vehicles False Pretense coverage Fire Legal Liability In-Transit Coverage: For towing and transport operations Broadened Coverage Endorsements to address common industry exposures Property Coverage: Available for buildings, contents, and business personal property Extension of Liability: Can include related operations such as parts, clothing, or accessory sales These options help protect clients from real-world risks like theft, fire, liability from test rides or repairs, and damage while vehicles are in your care, custody, or control. Underwriting Notes Colonial General works with multiple carriers and can place business in admitted or non-admitted markets depending on the risk and state. Appetite and pricing depend on factors such as operation type (sales-only vs. sales plus service), prior loss history, tow/transit exposure, and the value and type of motorcycles handled. Underwriters look for clear risk controls: secured storage, keys and test-ride procedures, employee training, and documented service practices. Large inventories, extensive custom fabrication, chronic prior losses, or uncommon high-horsepower specialty bikes may require additional review or placement in surplus markets. Colonial General’s underwriting team will advise on submission requirements and potential red flags to streamline placement. Territories and Availability This Motorcycle Sales and Repair Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Terms and carrier availability may vary by state. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in niche commercial risks and garage exposures. Agents benefit from: Access to multiple admitted and non-admitted markets Underwriting expertise focused on motorcycle dealerships and repair operations Support through quoting, submission, and binding to secure competitive terms Flexible coverage structures to consolidate sales, service, and retail exposures If you need help placing an account or want guidance on submission details, connect with a market specialist. What types of accounts are a good fit for this program? This program is ideal for motorcycle dealerships, repair shops, custom builders, and businesses that offer related services like towing or accessories sales. Can the program cover both sales and repair operations under one policy? Yes. The program is designed to cover combined operations such as dealerships with attached service bays or retail sections under a single policy package. Is Garage Keepers coverage offered on a primary basis? Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss, subject to carrier terms. Which states is this program available in? The Motorcycle Sales and Repair Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Do you offer admitted and non-admitted options? Yes. Colonial General has access to both admitted and non-admitted carriers and will recommend the best placement based on the client's operations and state of domicile. Need help placing an account? Connect with a market specialist.

...program is ideal for accounts that deliver diagnostic services on-site at nurs...