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Barber shops and beauty salons face distinct workers’ compens...is program?Independent barber shops, beauty salons, and salon suites that prov...

...nd niche manufacturers (including beauty/cosmetics, vitamins & supplements, an...t Liability Insurance Programs: Beauty Products Liability Cosmetic Insura...

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Policy Highlights for Outfitters Insurance: Colonial General Insurance Agency, Inc. offers a specialized Outfitters Insurance program tailored for businesses involved in outdoor recreational activities. This program is ideal for outfitters and guide services that provide hunting, fishing, hiking, backpacking, or cross-country skiing excursions. Operations that sell or rent outdoor equipment and supplies—without offering guided services—are also eligible under this program. Ideal Accounts and Appetite This program is designed for outfitters and outdoor guides operating in the Western U.S. who need strong liability and property coverage. Target risks include: Hunting and fishing guides Backpacking and hiking tour operators Cross-country skiing instructors and guides Outdoor gear rental businesses Whether your client operates a remote wilderness camp or a storefront offering outdoor equipment rentals, Colonial General can help you place the business. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence and aggregate $5,000 Medical Payments included Errors and Omissions coverage up to policy limits Excess or Umbrella limits available up to $25,000,000 No deductible required Property Coverage Options: Basic, Broad, or Special Form available Building and Contents coverage Business Income and Equipment Breakdown Computer Equipment and Inland Marine Outside Signs and Scheduled Property Floater Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value Crime Coverage Features: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Theft or Robbery (Outside the Premises) Underwriting Notes and Minimum Premiums Coverage is available on a mono-line or package basis, depending on your client’s needs. While minimum premiums are not specified, risks are evaluated based on operations, location, and coverage selections. The program is written through a variety of markets, giving flexibility in underwriting and pricing. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, and Colonial General will help guide you to the best fit based on your client’s risk profile and location. Why Work With Colonial General? Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep experience in niche outdoor and recreation risks. With access to a broad range of carriers and flexible underwriting options, they are well-positioned to help agents and brokers secure comprehensive coverage for their outfitter clients. From backcountry fishing guides to seasonal ski tour operators, Colonial General understands the unique risks and coverage needs of the outdoor industry. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include hunting and fishing guides, hiking and backpacking tour operators, cross-country skiing instructors, and outdoor gear rental businesses. Is this program available for mono-line policies?Yes, Colonial General offers both mono-line and package options depending on the insured’s needs. Are non-guided outdoor equipment businesses eligible?Yes, businesses that provide outdoor equipment and supplies without offering guided services are also eligible under this program. What limits are available for liability coverage?Liability coverage offers primary limits up to $3,000,000 occurrence/aggregate and excess or umbrella limits up to $25,000,000. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...ibutors to regional manufacturers supplying specialty construction components....

...p you place accounts with complex supply chains, imported components, or evolv...

Novatae Risk Group offers a dedicated Plumbers Workers Compensation Insurance program designed for independent agents and brokers placing plumbing contractors, service plumbers, and small plumbing firms. Our program pairs targeted underwriting with broad state availability to help you secure workers compensation solutions for your plumbing clients quickly and competitively. To discuss a specific account or get a quote, call 800-758-8113 or email [email protected] to reach an experienced underwriter. Overview of the Program This plumbers workers compensation program is underwritten for plumbing contractors and related trades. It is intended for accounts that benefit from disciplined underwriting, risk-management support, and flexible placement options across multiple jurisdictions. Novatae Risk Group administers this program to streamline placement, provide fast turnarounds on completed submissions, and help you deliver stable, market-appropriate coverage to your clients. Ideal Accounts and Appetite Target: plumbing contractors, service plumbers, multi-trade contractors where plumbing is the primary exposure, and small to mid-size plumbing shops. Preferred: accounts with standard payrolls and predictable loss histories, contractors with established safety programs. May consider: accounts with moderate-large single losses if adequately documented and mitigated. Not a fit: highly volatile or non-compliant operations, accounts with unresolved catastrophic exposure without corrective plans. Coverage Highlights and Advantages Program tailored specifically for plumbing exposures and related classifications. Competitive pricing and broad market access — carriers vary by state and account characteristics. Fast quote turnaround when you provide a completed submission package. Dedicated underwriting support for placement and loss-control recommendations. Commission structure and other producer terms are available on request; see program highlights for current guidance. Underwriting Notes and Minimum Premiums The program has a minimum premium requirement of $7,500. Underwriting decisions are based on payroll, class codes, loss history, safety practices, and occupational exposures typical to plumbing work. Provide full details on any large or unusual losses to avoid delays. The program offers admitted and non-admitted placement options depending on the state and account profile. Territories and Availability Coverage is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. Availability and market options can vary by state and account characteristics. Submissions Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Why Work With Novatae Risk Group on Plumbers WC Novatae Risk Group combines program underwriting expertise with E&S broking capabilities to place plumbing workers compensation accounts that need specialized attention. You benefit from a focused appetite for plumbing trades, rapid response on completed submissions, and access to multiple carriers to fit different risk profiles. Our team works with you to identify loss-control improvements and to present clean, well-documented submissions that improve placement outcomes. Ready to submit? Send your complete submission to [email protected] or call 800-758-8113 to speak to an underwriter about coverage options and turnaround expectations. Frequently Asked Questions What types of plumbing accounts are a good fit for this program?Service plumbers, residential and commercial plumbing contractors, and small-to-mid-size plumbing shops with documented payrolls and standard loss histories fit best. Multi-trade contractors where plumbing is the primary exposure are also appropriate. What is the minimum premium and are there placement restrictions?The program's minimum premium is $7,500. Placement options and admitted vs. non-admitted availability depend on the state and the account profile; contact underwriting for specific state guidance. What information speeds the quoting process?Provide a completed Acord 130, three years of loss runs, the supplemental questionnaire, and details on any large losses. Complete submissions receive faster turnarounds. Which states are available through this program?Coverage is available in AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Market options may vary by state. Who do I contact with questions or to submit?Send submissions or questions to [email protected] or call 800-758-8113 to speak with an underwriter about your plumbers workers compensation accounts. Need help placing an account? Connect with a market specialist.

Swimming Pool Dealers and Installers Insurance Program Colonial General Insurance Agency, Inc. administers a targeted insurance program for swimming pool dealers, installers, maintenance providers, and pool management firms. With access to multiple admitted and non-admitted markets, this program helps agents place both routine and harder-to-place pool-related accounts with competitive terms and responsive underwriting. Ideal Accounts and Appetite This program fits contractors and service providers that design, build, install, service, or manage swimming pools, spas, and other water features. Typical classes include: Swimming pool builders and installers Pool maintenance and service companies Pool management firms (including lifeguard staffing and seasonal operations) Retailers or dealers of pool equipment and supplies The program can be tailored for small single-site service businesses up to larger contractors operating across multiple locations. Higher-hazard operations—such as full-scale waterparks, amusement rides, or facilities with extensive permanent attractions—typically require special review and may be outside standard appetite. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $3,000,000 occurrence / aggregate $5,000 Medical Payments included Chemical Applicator coverage included at policy limits Excess / Umbrella capacity up to $25,000,000 Per-project aggregate options for contractors Pool “Pop-Up” temporary event coverage with $50,000/$100,000 sub-limits (higher limits available) Additional Insured endorsements and Waiver of Subrogation available Maintenance & Management Enhancements Lost key coverage — $25,000 liability limit Sexual/physical abuse sub-limits — $25,000/$50,000 (higher limits available) Errors & Omissions coverage — up to policy limits Limited participant coverage — $25,000/$50,000 sub-limits Property & Crime Options Property available on Basic, Broad, or Special form — Building, Contents, and Business Income Equipment breakdown available; Replacement Cost or Actual Cash Value Crime coverage for theft of money/securities inside premises, robbery or safe burglary, and outside the premises Underwriting Notes and Submission Guidance Policies are available on a mono-line or package basis depending on exposures. Colonial General works directly with agents to evaluate operations, locations, subcontractor use, chemical-handling practices, staffing (including lifeguards), and safety procedures. Submission requirements vary by carrier; be prepared to provide loss runs, a description of services, safety/maintenance protocols, and details on any seasonal or event-based operations. Some admitted markets are available in eligible states; non-admitted capacity is commonly used for more complex or higher-limit accounts. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with broad market access. Agents benefit from: Targeted solutions for pool contractors, service firms, and management companies Access to both admitted and E&S markets when needed Flexible limits and tailored endorsements for common pool risks Responsive underwriting collaboration to place difficult or unique accounts Example scenarios where this program is a good fit: You have a seasonal pool service company that provides cleaning and chemical treatment for residential and small commercial pools and needs combined GL and E&O limits with participant coverage. You represent a regional pool contractor bidding on multiple pool construction projects and need per-project aggregate limits plus qualified excess capacity. Whether you are quoting a small maintenance company or a full-scale commercial contractor, Colonial General can help you find appropriate coverage and market access. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for swimming pool contractors, dealers, installers, maintenance companies, and pool management firms, including those that staff lifeguards. Is this coverage available on an admitted basis?Some admitted markets are available depending on risk characteristics and location. Colonial General also offers non-admitted solutions for more complex or higher-risk accounts. What are the primary liability limits available?Primary general liability limits are available up to $3,000,000 per occurrence and aggregate. Excess or umbrella limits can be placed up to $25,000,000. Can I write property and liability together?Yes. Property and liability coverages can be written on a mono-line or package basis depending on the insured's needs and eligibility. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Veracity Insurance Solutions, LLC offers a focused Medical Equipment Product Liability Insurance program specifically designed for companies that manufacture, sell, service, or repair medical devices used in hospitals and other healthcare settings. Our underwriting team understands device risk, including Class III invasive devices, and works with a panel of multiple carriers to place accounts that can be difficult to insure in the standard market. Partner with Veracity to simplify placement and give your clients robust product liability protection tailored to medical device exposures. Target Classes • Anesthesia equipment • Bypass equipment • Catheterization lab and diathermy equipment • Cobalt therapy units • CT scanners • Defibrillators • Dialysis equipment • Electrophoretic equipment • Endoscopes • Film processing equipment • Life support and ventilation equipment • Linear accelerators • MRI scanners • Neonatal incubators & warmers • Ophthalmic lasers • Pacemakers • Radiographic equipment • Sterilizer and washing equipment • Surgical laser equipment • Surgical tables and lights • Telemetry equipment • Therapeutic X-ray equipment • Transcutaneous electrical nerve stimulation (TENS) equipment Program Highlights • Medical Professional (MP) deductible: $1,000 • Claims-made and occurrence forms available • No general liability deductible (on available forms) • Additional insured endorsements available • Employee benefits liability available • Limited professional liability included • Hired/non-owned auto and inland marine available • Limits up to $5 million (subject to underwriting) Overview for Agents and Brokers Veracity’s Medical Equipment Product Liability Insurance program is aimed at wholesale placement through agents and brokers. We combine targeted underwriting, flexible policy options (claims-made and occurrence), and access to admitted and non-admitted markets to secure terms for a wide range of medical device risks. Our team evaluates design, manufacturing, repair/service operations, distribution channels, and product use environments so you can present a complete submission. Ideal Accounts and Appetite Manufacturers and assemblers of hospital-grade medical devices, including some Class III invasive devices. Distributors, importers, and resellers of diagnostic and therapeutic equipment. Companies that provide repair, refurbishment, or servicing of medical devices used in clinical settings. Accounts with documented quality control, FDA/regulated-device history, and formal service procedures typically receive the most competitive consideration. Risks with ongoing recall activity, habitual regulatory enforcement, or undeclared device classifications may be declined or require specialized terms. Underwriting Notes and Minimum Premiums Underwriting focuses on product complexity, intended use, annual revenue from medical device operations, distribution territories, and loss history. Minimum premium varies by carrier and state. Veracity places with multiple carriers and can consider both admitted and excess & surplus solutions depending on appetite and exposures. Territories and Availability This program is available in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted status: All Available Markets; Veracity operates as a Managing General Agency and Excess & Surplus Lines Broker to secure the best fit for each account. Why Work With Veracity Insurance Solutions, LLC As a specialty MGA and E&S broker, Veracity offers underwriters with device-specific expertise and placement flexibility across admitted and surplus markets. We streamline submissions and provide access to additional coverages (inland marine, hired/non-owned auto, employee benefits liability) so you can assemble comprehensive packages for your clients. Our focus on medical device product liability helps you place technically complex accounts that standard markets may decline. Example Account Scenarios You might have a client that manufactures hospital ventilators with documented ISO processes and routine service contracts — this program can consider product and limited professional liability with higher limits and tailored endorsements. Or you may represent a regional service provider that refurbishes and repairs diagnostic imaging equipment for hospitals — Veracity can evaluate inland marine options for equipment in transit and product liability for repaired units. For more information, contact us at 1-866-395-1308. Frequently Asked Questions What types of medical device accounts are the best fit for this Veracity program?Accounts that manufacture, distribute, sell, or service hospital-grade devices—especially those with documented quality systems, clear service procedures, and manageable loss histories—are the best fit. We also consider repair and refurbishment operations when controls and warranties are in place. Does Veracity write Class III invasive devices?Yes. Our underwriting appetite includes some Class III invasive medical devices, but acceptance depends on device classification history, regulatory oversight, product documentation, and loss exposure. Provide detailed device and regulatory information with your submission. Are both claims-made and occurrence forms available?Yes. The program can offer both claims-made and occurrence forms depending on carrier availability and the specifics of the account. What additional coverages can be packaged with product liability?Veracity can place additional insured endorsements, limited professional liability, employee benefits liability, hired/non-owned auto, and inland marine coverage where appropriate and subject to underwriting. Need help placing an account? Connect with a market specialist.