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...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 ...

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

... Scenarios You have a regional bakery producing packaged breads and pastrie...refrigerated storage and refrigerated delivery—needs equipment breakdown, spoi...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Medical Staffing Agency Insurance program designed for agents and brokers seeking markets for healthcare staffing clients. As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, Colonial General has access to multiple top-rated carriers and custom solutions, giving you flexibility to place complex or unique staffing risks across several western states. Overview of the Program From Colonial General Medical staffing agencies face unique liability exposures, especially when contracting healthcare professionals to third-party facilities. Colonial General’s program provides access to professional liability and malpractice coverage tailored to meet the diverse needs of staffing firms placing physicians, nurses, therapists, and other licensed healthcare providers. The coverage is backed by carriers rated “A” or better by A.M. Best, ensuring financial strength and reliability. Ideal Accounts and Appetite This program is an excellent fit for: Medical staffing agencies placing temporary or permanent healthcare professionals Firms that staff RNs, LPNs, CNAs, physical therapists, medical assistants, and similar roles Agencies working with hospitals, clinics, nursing homes, or in-home care facilities You might have a client who staffs traveling nurses to rural hospitals or provides physical therapists to outpatient clinics—these are the types of accounts that may be eligible. Coverage Highlights and Advantages Professional Liability / Malpractice coverage available through A.M. Best “A” rated carriers Limits starting at $250,000 / $500,000, with flexible deductible options Coverage tailored to match the staffing agency’s operations and provider types Optional coverages may be available depending on carrier and risk profile Coverage and premium will vary based on carrier placement and underwriting factors. Colonial General works to match accounts with the best-fitting carrier and coverage structure. Underwriting Notes and Minimum Premiums While minimum premium details are not specified, underwriting will consider the type of providers placed, states of operation, loss history, and staffing volume. Deductible options and limit selections also influence premium. Colonial General’s experienced underwriters can help you navigate submissions for competitive placement. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options may be available, depending on the carrier and jurisdiction. Why Work With Colonial General Colonial General brings decades of specialty underwriting experience to the table, with strong carrier relationships and a focus on service. As an MGA and E&S broker, they help agents place tough-to-place or niche healthcare staffing risks with confidence. Whether you’re working with a startup staffing firm or an established agency expanding into new states, Colonial General can help you find the right market and coverage solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets medical staffing agencies that place licensed healthcare professionals such as nurses, therapists, and aides in hospitals, clinics, or long-term care facilities. Are both admitted and non-admitted carriers available?Yes, Colonial General has access to both admitted and non-admitted markets depending on the state and carrier availability. What limits and deductibles are offered?Limits typically start at $250,000/$500,000, with a range of deductible options. Specific terms depend on the risk and carrier selected. Which states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. What information is needed to submit a quote?Submissions should include a completed application, details on provider types, loss history, operational scope, and coverage limit requests. Need help placing an account? Connect with a market specialist.

... and RV park segment allows you to deliver tailored coverage solutions for you...

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 for Occupational Therapist Insurance: As an insurance agent or broker placing coverage for healthcare professionals, you need markets that understand therapy-related exposures. Colonial General Insurance Agency, Inc. offers an Occupational Therapist Insurance program designed to place individual professional liability for occupational therapists in a variety of practice settings. Whether your client is a solo practitioner, a part-time contractor, or volunteers in the community, this program provides flexible options that supplement or replace employer-provided coverage when gaps exist. Overview of the Program From Colonial General Colonial General Insurance Agency is a Managing General Agency and Excess & Surplus Lines broker serving independent agents across the western United States. With access to multiple admitted and non-admitted markets, Colonial General combines underwriting reach and allied-health expertise to place occupational therapist risks. This program is tailored to the exposures therapy professionals face and is intended for individual practitioners rather than large clinic or facility risks. Ideal Accounts and Appetite This program is a fit when an individual occupational therapist needs their own professional liability coverage—either as standalone protection or to fill gaps in an employer policy. Typical placements include: Occupational therapists in private practice or small independent offices Part-time, per-diem, or contract therapists Therapists who provide home healthcare services Professionals engaged in volunteer or community-based therapy work Not a good fit: large therapy clinics, multi-disciplinary facilities with many practitioners on one policy, or accounts requiring facility/general liability packaging. You should submit individual exposures with clear work setting and license information for the best results. Example scenarios agents place well: A part-time occupational therapist who works at two outpatient clinics and wants an individual policy to cover work outside employer hours. A therapist who provides home health visits and volunteers at a nonprofit — requiring coverage for services performed away from an employer’s premises. Coverage Highlights and Advantages This program is designed to address common gaps and individual exposures for occupational therapists. Typical features you can expect to place include: Higher individual policy limits to protect clinicians when employer limits are inadequate Legal defense cost coverage and representation for licensing board hearings Reimbursement for lost wages while attending legal proceedings or hearings Coverage for services performed outside the primary workplace, including volunteer work and home visits Actual terms, limits, and endorsements depend on the carrier and the therapist’s risk profile. Colonial General works to match each submission to the most appropriate market available. Underwriting Notes and Minimum Premiums Underwriting evaluates credentials, license status, practice setting, claims history, and procedures performed. Provide complete applications and current claims information to speed placement. Colonial General has relationships with both admitted and non-admitted carriers, which helps place risks that need flexible terms. Specific minimum premiums vary by carrier and state; submit the account to receive detailed pricing and market options. Territories and Availability This Occupational Therapist Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some states may offer admitted paper while others require non-admitted placement depending on carrier appetite and the individual risk. Why Work With Colonial General? Colonial General provides independent agents with experienced underwriting and access to a broad panel of allied-health markets. Their western U.S. focus, MGA and E&S capabilities, and familiarity with therapy-related exposures make them a responsive partner when you need flexible professional liability solutions for occupational therapists. Frequently Asked Questions What types of accounts are a good fit for this Occupational Therapist Insurance program?This program is designed for individual occupational therapists—including independent practitioners, part-time clinicians, and volunteers—who need standalone or supplemental professional liability coverage. Can this program cover therapists who work in multiple locations or on a contract basis?Yes. The program accommodates therapists who work in varied settings such as outpatient clinics, clients’ homes, and contract assignments. Be sure to disclose multi-location and home visit activity on the application. Are defense costs and licensing board hearings covered?Typically yes. Policies placed through this program often include defense costs and reimbursement for licensing board hearings—coverage that may not be provided by an employer policy. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted carriers varies by state and by specific account characteristics. What information is needed to submit an application?Provide a completed application with details on the therapist’s license status, work settings, services performed, and claims history. Complete submissions help Colonial General place risks more efficiently. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General can provide the coverages you require for your non-emergency medical transportation needs. Contact us today for more information about additional coverages offered. Coverage available: We currently do not have a market for wheel chair accessible vehicles in most of our states. Limits up to state and federal requirements per seating capacity, up to $1.5 million. Medicare or Medicaid contract required. Liability coverage available up to $1,000,000 CSL. Physical damage coverage with deductible options ranging from $500 to $5,000. Radius options up to 500 miles. Cargo limits up to $100,000 with refrigerator breakdown included. Overview of the Program from Colonial General Insurance Agency, Inc. Colonial General offers a targeted Non-Emergency Medical Transportation (NEMT) program for agents placing ambulatory and stretcher transport accounts that participate in Medicare or Medicaid contracts. This program combines liability, physical damage, and optional cargo protection designed to address the common exposures of passenger transport for non-emergency medical needs. Coverage structure and market depend on the state and specific account characteristics; available markets vary. Ideal Accounts and Appetite Small to mid-size operators running sedan and van services for ambulatory and stretcher passengers (where stretcher transport is accepted by underwriter). Fleets with established Medicare or Medicaid contracts — a contract is required for placement. Operators seeking liability limits up to $1,000,000 CSL and higher per-seating-capacity limits up to $1.5 million where state/federal requirements apply. Accounts less likely to be acceptable include large fleets with extensive wheelchair-accessible vehicle (WAV) operations, new ventures without government contracts, or operations outside the listed states where admitted markets are not available. Coverage Highlights and Advantages Liability limits up to $1,000,000 CSL; per seating capacity limits up to $1.5M where required. Physical damage available with flexible deductible options ($500–$5,000) to fit fleet risk tolerance. Cargo coverage up to $100,000 that includes refrigerator breakdown — useful for medical supplies and temperature-sensitive items transported with patients. Radius options up to 500 miles to accommodate regional runs and inter-facility transfers. Placement through Colonial General’s MGA/E&S brokerage relationships provides access to admitted or non-admitted solutions depending on state and account profile. Underwriting Notes Medicare or Medicaid contract documentation is mandatory at submission. Wheelchair-accessible vehicles: limited or no capacity in most states — disclose any WAV operations up front for accurate placement guidance. Seating capacity drives some state and federal limit requirements; provide seating configuration and vehicle types on submissions. Provide details on driver screening, training, background checks, and vehicle maintenance programs to improve placement chances and pricing. Radius, cargo exposures (including refrigerated items), and any stretcher operations should be detailed for accurate quoting. Territories and Availability This program is available in select western states: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted versus non-admitted availability varies by state and by the specifics of the account — Colonial General works as both an MGA and an excess & surplus lines broker to secure the right market for the risk. Why Work with Colonial General on NEMT Business Colonial General combines specialized appetite for Medicare/Medicaid-contracted NEMT operations with flexible E&S and admitted market access. Agents benefit from targeted underwriting that understands common NEMT exposures (liability for passenger transport, cargo and refrigerated goods, radius and multi-state runs) and from options for physical damage and cargo protection. Colonial General’s focus on these account types helps streamline submissions and improve the chance of placement for qualified insureds. Example Accounts A small, three-vehicle sedan fleet that transports dialysis and outpatient clinic patients under a state Medicaid contract — seeking $1,000,000 CSL liability and physical damage on each vehicle. A regional van operator with Medicare contracts running non-emergency stretcher transfers within a 250-mile radius, requiring cargo coverage for temperature-sensitive medical supplies. Frequently Asked Questions What types of NEMT accounts are a good fit for this Colonial General program?Accounts with active Medicare or Medicaid contracts, small-to-mid-size sedan and van fleets that transport ambulatory or stretcher passengers, and operators that can document driver screening and vehicle maintenance practices are the best fit. Wheelchair-accessible vehicle operations are generally not accepted in most states. Is a Medicare or Medicaid contract required for every submission?Yes. Colonial General’s program requires documentation of a current Medicare or Medicaid contract as part of underwriting for placement. Can Colonial General insure wheelchair-accessible vehicles (WAVs)?No—this program currently does not have a market for wheelchair-accessible vehicles in most states. Disclose any WAVs up front so Colonial General can advise on alternatives or limitations. Which states are eligible and is coverage admitted?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted versus non-admitted options depend on the state and specific account; Colonial General can place on an admitted or E&S basis where appropriate. What documents and details should I include with a submission?Include the client’s Medicare/Medicaid contract, vehicle list with seating capacity, driver qualification and training details, loss history, radius of operations, and any cargo/refrigeration exposures. These items speed underwriting and improve quote accuracy. Need help placing an account? Connect with a market specialist.

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