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...clients, including: Public Schools (K–12) Private and Parochial Schools (K–12) Charter Schools Vocational and Technical Schools Colleges and Higher Education In...is ideal for public and private K–12 schools, charter schools, vocational and technical schools, and colleges seeking a package p...

...vate elementary, middle, and high schools, as well as private technical, trade, and vocational schools that provide job-specific certificat...he program is ideal for private K-12 schools, vocational and trade schools, technical training centers, and ...

...ency, Inc. offers a comprehensive Beauty Shop Insurance program designed to meet the specialized needs of beauty salons and individual operators. This...is program?This program is ideal for beauty shops, salons, barber shops, and i...

BEAUTY SALONS INSURANCE AND BARBERSHOPS For ...r this AIM program?Small to mid-size beauty salons, barbershops, nail salons, day spas and beauty schools with licensed staff, documented s...

...ne & Company offers a focused Beauty Shop and Barber Shop Insurance progra... this program?Ideal accounts include beauty salons, barber shops, individual s...

...rs Medical Testing Labs Beauty Salons Doctor Offices Perma... including medispas, tattoo parlors, beauty salons, and smoke/vape shops (reta...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Public Entity Insurance program designed to meet the diverse needs of today’s governmental organizations. With access to both admitted and non-admitted markets, we provide flexible solutions backed by A.M. Best rated A+XV (Superior) carriers. Whether your clients are small towns or larger municipal organizations, we help you craft tailored coverage options to address their unique exposures with confidence and efficiency. Ideal Accounts and Appetite This program is well-suited for a wide range of public entities, including: City and County Governments Towns, Villages, Boroughs, and Townships Public Fire and Emergency Response Services Police and Sheriff’s Departments Transit and Park Police, and other Governmental Law Enforcement Agencies Water, Sewer, and Irrigation Districts Library Districts, Parks and Recreation Boards Highway and Community Development Boards Other Special Service Districts If you’re working with municipal departments or special service districts looking for reliable risk management solutions, this program is a strong fit. For example, you might have a client who operates a local water district or a regional parks and recreation agency—both are ideal candidates for this coverage. Coverage Highlights and Advantages We offer a robust portfolio of lines that can be packaged or offered as standalone policies: Professional Liability Law Enforcement Liability Public Officials Liability Employment Practices Liability Emergency Dispatchers Liability Firefighters Professional Liability General Liability Property and Inland Marine Crime and Equipment Breakdown Automobile Umbrella These coverages are designed to protect against operational, professional, and personnel-related exposures common to public entities. Our access to multiple markets allows us to find the right fit for your client’s size, scope, and level of risk. Underwriting Notes and Restrictions We maintain a focused underwriting appetite. Please note the following ineligible risks: Property/Casualty coverage in AK, HI, LA, and NM Professional Liability in AK, CA, HI, and LA School Districts are ineligible Transit or Housing Authorities on a stand-alone basis Properties within 25 miles of a coastline in wind-prone areas Automobile risks in MA or NJ Utilities that generate electricity or produce natural gas Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Property and Casualty risks in California are limited to Special Service Districts only. Why Work With Colonial General? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with a deep commitment to the public sector. Our experienced team understands the complex risks faced by municipalities and special districts. With access to multiple carriers and the flexibility to place both admitted and non-admitted business, we help you deliver comprehensive, competitive solutions for your public entity clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for city and county governments, townships, emergency response agencies, law enforcement departments, and special service districts like parks, water, and library boards. Can I place standalone coverages or must they be packaged?Most coverages can be written as part of a package or on a standalone basis, offering flexibility based on your client’s needs. Are school districts eligible under this program?No, school districts are not eligible for coverage under this Public Entity Insurance program. Is this program available on an admitted basis?Yes, we offer both admitted and non-admitted options depending on the risk profile and market availability. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY, with some restrictions in certain states like CA, AK, HI, and LA. Need help placing an account? Connect with a market specialist.

..., firearms trainers/certification schools, and claims adjusters with limited d...rs, polygraphists, firearms training schools, and claims adjusters with limite...

...ganizations — including parochial schools, daycares, cemeteries and community ...iliated ministries such as parochial schools, daycare programs, cemeteries and...

Tailored for School Bus, Charter Bus, Social Services, Ambulance, and ParaTransit Companies. Now includes coverage for Assault & Battery. VAIL - Value Added Insurance Lines, in partnership with Capacity Excess, LLC, offers a specialized Sexual Molestation Coverage program for transportation providers who regularly carry vulnerable populations. This program is designed for school bus contractors, charter operators, social service agencies, ambulance services, and ParaTransit providers. Coverage now extends to include Assault & Battery, giving broader protection for the kinds of high-exposure allegations these businesses face. Ideal Accounts and Appetite This program is intended for agents placing transportation clients that serve children, seniors, people with disabilities, or other at-risk groups. Typical target accounts include: School bus contractors and charter bus operators Non-emergency medical transportation (NEMT) providers Social service agencies that provide passenger transport Ambulance companies and ParaTransit operators You might place a mental-health nonprofit that operates daily shuttle routes or a charter company that runs school shuttles — both are examples of accounts that can benefit from dedicated sexual molestation and assault & battery coverage. Coverage Highlights and Advantages Allegations of sexual misconduct — even unfounded — can result in costly litigation and reputational harm. This program helps manage those risks with: Coverage for both legitimate and frivolous sexual molestation claims Assault & Battery included with the policy Limits available up to $5,000,000 Underwriting Notes and Minimums This is a non-admitted program with streamlined underwriting to speed placement for eligible risks. Key features: Flat rate per vehicle for simplified quoting A simplified application and quick quote turnaround $10,000 minimum premium $25,000 minimum retention Territories and Availability This program is available nationwide in all 50 states and the District of Columbia, offered on a non-admitted basis. If you have a multistate account or concentrated exposure in higher-risk territories, discuss placement options with the underwriting team. Why Work With VAIL and Capacity Excess VAIL specializes in value-added niche solutions and, through Capacity Excess, LLC, provides access to an underwriting team experienced in sexual misconduct and abuse exposures. Agents benefit from focused underwriting, responsive service, and a market that will consider difficult transportation risks other carriers may decline. To learn more, contact Carl Gerson at 201-661-2400 or email [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits school bus operators, charter bus companies, ambulance services, ParaTransit providers, and social service agencies that transport vulnerable populations. Does the policy cover Assault & Battery in addition to Sexual Molestation?Yes. The program now includes Assault & Battery coverage in addition to sexual molestation protections. What is the minimum premium for this coverage?$10,000 minimum premium with a $25,000 minimum retention. Is this program available in all states?Yes. The program is available nationwide in all 50 states and Washington, D.C., on a non-admitted basis. How quickly can I get a quote?VAIL and Capacity Excess use a simplified application and offer fast turnaround on quotes to help you move quickly for your clients. Need help placing an account? Connect with a market specialist.