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Program Highlights for Personal Umbrella Insurance: Colonial General Insurance Agency, Inc. offers a flexible, competitive Personal Umbrella Insurance program tailored for clients who need higher limits of liability across a variety of personal exposures. As a Managing General Agency and Excess & Surplus Lines broker, Colonial General gives independent agents and brokers access to multiple markets and specialized underwriting to help place straightforward and complex personal risks. Ideal Accounts and Appetite This program suits clients with higher-than-average liability exposures. Typical accounts include: Households with high-value primary or secondary homes, rental properties, or multiple residences Owners of sports cars, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with teen or multiple drivers in the household Public figures, celebrities, and other high-profile individuals Risks with active farm or ranch exposures Insureds seeking excess liability above an existing umbrella policy Colonial General is particularly useful when a client’s primary auto or homeowners coverage is placed with a different carrier — the umbrella can often be written regardless of the underlying insurer. Coverage Highlights and Advantages Limits available from $1 million to $10 million Primary and excess umbrella structures offered Driver exclusions can be applied to manage household members with poor driving records Coverage extendable to additional residences, including rental properties Targeted pricing with competitive rates for qualified risks Solutions for standard accounts and harder-to-place exposures Example: you might have a client who owns a vacation rental, drives a luxury sports car, and has a teen driver at home. This program lets you tailor an umbrella to bridge coverage gaps and provide broader liability protection. Underwriting Notes Underwriting is collaborative and flexible. Colonial General will work with you to engineer placements that use driver exclusions and other risk controls where appropriate. While specific minimum premiums are not listed publicly, the program is priced competitively based on the risk characteristics and limits you select. Complex or unusual exposures should be submitted with full risk details for an accurate assessment. Territories and Availability Available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some states may be written on admitted paper while others use non-admitted / E&S markets depending on the carrier and the risk profile. Why Work With Colonial General? Colonial General brings decades of personal-lines and specialty underwriting experience plus broad market access. They focus on responsive service, flexible solutions, and placement options that accommodate non-standard underlying carriers. Whether you’re placing a routine umbrella or a high-net-worth exposure with unusual assets, Colonial General can help identify market capacity and structure the placement. To learn more or get started, visit the Colonial General Insurance Agency, Inc. company profile or explore the Personal Umbrella Insurance program. Frequently Asked Questions What types of accounts are a good fit for this Personal Umbrella program?Clients with higher liability exposure — for example, households with youthful drivers, luxury vehicles, recreational equipment, rental properties, or public figures — are a strong fit. Farm and ranch exposures can also be considered. Can this umbrella policy sit over other primary carriers?Yes. Colonial General can often place umbrella coverage even when the underlying auto or homeowners policies are written by another insurer. What coverage limits are available?Limits typically range from $1 million to $10 million. Both primary and excess umbrella options are available depending on the risk. Are driver exclusions allowed?Yes. Driver exclusions are an available tool to address household members with poor driving records and help make a placement viable. Which states is this program available in?This program is offered in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted availability varies by state; some placements may be on non-admitted/E&S paper. Need help placing an account? Connect with a market specialist.

... serving weddings, private parties, business meetings, fairs and festivals. Co...s such as alcohol service, kitchen operations, vehicle operations for mobile vendors, special-even...

...es flexible property options with robust commercial general liability and anci...ce firms, not logging or lumbering operations. Are pesticide and herbicide exp...

...vice. We review unique or evolving business models on a case-by-case basis an...placement depends on the account’s operations, loss history, and state require...

...vice. We review unique or evolving business models on a case-by-case basis an...placement depends on the account’s operations, loss history, and state require...