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Brown & Riding offers a competitive and flexible Apartment Building Insurance program designed specifically for surplus lines placements. As a trusted general agency and excess & surplus lines broker, Brown & Riding provides access to A-rated carriers and delivers some of the most competitive coverage solutions available in the E&S marketplace. Ideal Accounts and Appetite Apartment buildings and complexes with up to 1,000 units and multiple locations Student housing and subsidized housing placements Properties with amenities such as pools, playgrounds, and recreational areas Accounts requiring Assault & Battery coverage Locations needing Hired & Non-Owned Auto Liability Older or historic buildings that still meet underwriting standards Ineligible Risks Adult foster care or assisted living facilities Properties with armed security personnel Buildings with less than 75% annual occupancy Pools equipped with diving boards Coverage Highlights and Advantages Access to A-rated surplus lines carriers Highly competitive pricing and terms Quick quote turnaround when ACORD and supplemental apps are completed Special form and replacement cost coverage available Monoline coverage options available for flexibility Excess limits offered for larger or more complex risks Underwriting Notes and Minimum Premiums Minimum premiums start at $500 for General Liability and $1,250 for Package policies. Risks must meet basic eligibility criteria, including occupancy thresholds and acceptable property conditions. Older buildings can be considered with proper maintenance and updates. Territories and Availability This program is available on a non-admitted basis across a wide footprint, including AL, 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, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Brown & Riding Brown & Riding is a nationally recognized wholesale brokerage known for its deep expertise in niche property and casualty placements. Their Apartment Building Insurance program stands out for its broad eligibility, flexible coverage options, and fast, reliable service. Whether you're placing a student housing complex near a university or a subsidized housing facility with multiple locations, Brown & Riding can help you secure the right solution with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include multi-location apartment complexes, student housing, subsidized housing, and properties with amenities like pools or playgrounds. Are older apartment buildings eligible for coverage?Yes, older properties are eligible as long as they meet underwriting standards and are properly maintained. Is monoline coverage available?Yes, monoline options are available, providing flexibility for agents who need to write either property or liability on a standalone basis. What is the turnaround time for quotes?Quotes can be turned around quickly when both ACORD and supplemental applications are fully completed and submitted. Can I place risks in all states?The program is available in most states on a non-admitted basis, including over 45 states and Washington, D.C. Need help placing an account? Connect with a market specialist.

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...hat operates both veterinary and boarding services, this program can provide p... veterinary services, pet groomers, boarding and daycare facilities, and nonpr...

...hat operates both veterinary and boarding services, this program can provide p... veterinary services, pet groomers, boarding and daycare facilities, and nonpr...

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.

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 for Directors and Officers Insurance: In today’s litigious and highly regulated business environment, directors and officers face elevated risks and increasing personal liability. Without a dedicated D&O policy, their personal assets may be exposed if the organization cannot or will not indemnify them. Colonial General Insurance Agency, Inc. offers a flexible, market-backed Directors and Officers Insurance program designed to protect individual leaders and the organizations they serve. Overview of the Program From Colonial General Insurance Agency, Inc. Colonial General operates as a Managing General Agency and an Excess & Surplus Lines broker with broad market access. That position lets us place D&O solutions for nonprofits, privately held firms, and publicly traded companies. We can access admitted markets where available and use non-admitted capacity when needed to achieve terms that match your client’s exposures and jurisdictional requirements. Ideal Accounts and Appetite This D&O program is a strong fit for: Nonprofit organizations (charities, foundations, trade associations) Privately held companies across a wide range of industries Public companies and pre-IPO firms managing evolving governance risks The program commonly accommodates mid-market accounts and organizations with standard governance structures. It can also be packaged with Employment Practices Liability (EPLI), Crime, and Fiduciary Liability to create a consolidated management liability solution. Coverage Highlights and Advantages Key features agents can expect from Colonial General’s D&O program include: Smooth excess policy structure with an expansive definition of “drop-down event,” allowing the excess to respond when underlying carriers deny or intend to deny coverage. No automatic exclusions for bodily injury, property damage, or pollution—broader than many standard D&O forms. A broad definition of “loss,” improving the policy’s ability to respond to diverse claim types. A targeted “organization vs. insured person” exclusion that focuses on collusive internal actions rather than sweeping corporate exclusions. A comprehensive definition of “claim” that includes arbitration, mediation, extradition proceedings, subpoenas, and similar proceedings. Enhanced Outside Directorship Liability for insureds serving on external boards. Specific terms and pricing will vary by carrier and the nature of the risk; Colonial General uses its market relationships to secure competitive and appropriate wording. Underwriting Notes and Minimum Premiums Each submission is underwritten on its own merits. Underwriting requirements and appetite vary by carrier—submissions with prior D&O claims, governance or fiduciary concerns, or operations in higher-risk industries will receive additional scrutiny. While there is no published blanket minimum premium, Colonial General places accounts across admitted and non-admitted markets to match cost and coverage needs. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted versus non-admitted markets varies by state and by the specifics of the account. Why Work With Colonial General As an experienced MGA and E&S broker, Colonial General provides depth of market access and practical placement guidance. Agents benefit from responsive underwriting, flexible policy structures, and the ability to package related management liability coverages. Our approach helps you place complex leadership-risk accounts efficiently while seeking contract language that better protects insureds. Example Accounts You have a regional nonprofit with volunteer board members facing increasing regulatory oversight—this program can provide director-level protection and limit board members’ personal exposure. You represent a privately held technology firm preparing for a capital raise—Colonial General can help structure D&O limits and outside directors coverage to address investor and governance concerns. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s D&O program?Nonprofits, privately held businesses, and publicly traded companies are all eligible. The program is designed to accommodate a broad range of industries and organizational structures. Can this D&O coverage be packaged with other management liability products?Yes. In many cases D&O can be packaged with EPLI, Crime, and Fiduciary Liability depending on the client’s needs and the carrier’s appetite. What makes Colonial General’s D&O program different?The program offers broader definitions of key terms, fewer standard exclusions, and enhanced protection for outside directorships—features that provide stronger protection in complex scenarios. Are admitted markets available for this program?Yes. Some admitted markets are available depending on the state and the risk; Colonial General also has access to non-admitted markets when needed. Which states is the 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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible, comprehensive Community Association Insurance program for well-established associations with completed development or construction. The program is designed for agents and brokers placing package or mono-line property and liability coverage for associations that manage residential communities. Eligible risks include: Homeowners associations (HOAs) for single-family homes Townhouse / townhome associations Residential condominium associations Time-share condominium associations Cooperative housing corporations Whether your client runs a suburban HOA, a gated townhome community, or a well-managed time-share complex, Colonial General provides modular coverage options to address the exposures these communities face. Coverage Highlights and Advantages Property coverage options Accounts receivable Basic, broad, or special form Building and contents Business income Computer equipment Equipment breakdown Inland marine Outside signs Valuable papers Replacement cost or actual cash value General liability coverage Primary limits up to $3 million occurrence/aggregate $5,000 medical payments coverage included Additional interests included at no charge Hired and non-owned auto available Excess/umbrella limits up to $25 million No deductible required (per policy terms) Crime coverage options Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises Ideal Accounts and Appetite This program works best for community associations that are fully developed and operational — active construction or new development is not eligible. Preferred accounts have: Stable financial histories and established reserves Active board governance and documented risk management practices Routine maintenance programs for common areas and building systems Accounts with recent or significant claims, ongoing construction exposure, or locations in extreme catastrophe zones may require additional review and could be declined or placed in surplus markets. Example fits for the program: A gated townhome community seeking to consolidate building and general liability coverages into a single package. A mid-rise condominium association that needs replacement-cost property coverage, business income, and an umbrella for director/officer liability exposures (placed separately as needed). Underwriting Notes and Market Access Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, providing access to a range of admitted and non-admitted carriers depending on the risk profile. Underwriting is consultative and structured to match coverage options to the association’s exposures. Key considerations include the association’s financials, claims history, maintenance records, and governing documents. Territory and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place eligible risks in admitted markets where available; surplus markets are used when necessary. Why Work With Colonial General? Colonial General brings decades of regional experience serving the Western U.S. Their Community Association Insurance program emphasizes flexible policy structures, broad market access, and hands-on underwriting support for agents and brokers. If you need to place a single association or a small portfolio of HOAs and condos, Colonial General can help you identify appropriate admitted or E&S carriers and streamline placement. Frequently Asked Questions What types of accounts are a good fit for this program?Established homeowner associations, townhome associations, residential and time-share condominium associations, and cooperative housing corporations with completed development and active management. Are mono-line policies available?Yes. Both mono-line property or liability policies and package policies can be placed depending on the insured’s needs. Is this program available on an admitted basis?Some admitted markets are available; eligibility depends on the specific risk and location. Colonial General also places business in surplus lines when appropriate. What states is the Community Association Insurance program offered in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the general liability coverage?Primary liability limits up to $3 million per occurrence/aggregate are available, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.