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Golf carts are no longer limited to the greens—they're now common in neighborhoods, airports, senior communities, college campuses, resorts, hospitals, and more. As their usage expands, so do the risks. With speeds up to 25 mph and often lacking safety features, golf carts can cause serious bodily injury or property damage. That's why insurance coverage tailored to this exposure is essential. Golf Cart Insurance Program from Prime Insurance Company Prime Insurance Company offers a flexible and comprehensive Golf Cart Insurance program designed to meet the growing demand for coverage in both personal and business uses of golf carts. Whether your insured is a homeowner renting out a property with a cart, or a business offering cart rentals or branded transportation services, Prime has solutions to help you write the business. Ideal Accounts and Appetite This program is well-suited for a variety of risks, including: • Homeowners or landlords who provide golf carts for guest use • Golf cart rental companies operating at beaches, resorts, or event venues • Businesses using golf carts for promotional or shuttle services (e.g., bar-to-bar or restaurant-to-parking lot transport) • Property owners in communities where golf carts are a common mode of transportation Prime welcomes both standard and hard-to-place risks. Many property owners may not realize that their homeowners or commercial general liability policies do not cover golf cart exposures. That's where this specialty program comes in. Coverage Highlights and Advantages Prime takes an all-in-one approach to recreational and utility vehicles, offering coverage for: • Golf Carts • Golf Cart Rentals • Golf Cart Equipment • ATVs • Personal Watercraft Coverage can be customized to meet the unique needs of your client. Liability, physical damage, and equipment coverage options are available, and Prime works closely with agents and brokers to develop solutions that fit each account. Underwriting Notes and Minimum Premiums Prime underwrites each submission individually and provides flexible solutions based on risk characteristics. While minimum premiums vary by state and exposure, agents can expect competitive pricing and responsive service. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, TX, NY, GA, AZ, CO, and many others. Admitted coverage is available in select states, with non-admitted options offered where needed. Why Work With Prime Insurance Company? As a carrier with expertise in specialty risks, Prime Insurance Company offers a hands-on underwriting approach and a willingness to write tough classes that many others decline. You’ll benefit from: Direct access to underwriters who understand niche exposures Customized policy options for unique risks Coverage solutions for both personal and commercial use Fast quote turnaround and excellent service Let Prime help you place your next golf cart risk—whether it's a private homeowner or a commercial rental fleet. For more information, visit our company profile or explore the Golf Cart Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits homeowners, landlords, rental companies, and businesses using golf carts for transportation or advertising purposes. Does a standard homeowners or general liability policy cover golf carts?In most cases, no. Standard policies often exclude golf cart exposures, especially when used off-premises or for commercial purposes. Can I submit risks with prior claims or unusual usage?Yes, Prime considers both standard and hard-to-place risks, including those with prior losses or unique operational needs. Is this program available in all states?The program is available in most U.S. states, with admitted coverage in select states and non-admitted options where necessary. What types of vehicles are covered under this program?The program covers golf carts, golf cart rentals, golf cart equipment, ATVs, and personal watercraft. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a tailored Push Cart Insurance program designed specifically for mobile vendors operating with push carts, kiosks, temporary booths, and tables. This program provides a flexible insurance solution for vendors selling food, beverages, merchandise, or offering services in high-traffic pedestrian areas, at events, or in temporary marketplaces. Ideal Accounts and Appetite This program is ideal for insureds who operate: Food and beverage push carts (hot dogs, ice cream, coffee, etc.) Retail carts selling clothing, accessories, or handmade goods Temporary booths at fairs, festivals, and farmers markets Kiosks in malls or public spaces Accounts with limited or no permanent structure, minimal cooking exposures (or controlled cooking methods), and operations conducted in public or semi-public venues are strong candidates. This program is not intended for permanent brick-and-mortar businesses or vendors with high-hazard operations. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence / Aggregate Liquor Liability available for qualifying risks Additional Insureds—Included at no extra cost $5,000 Medical Payments—Included Excess or Umbrella limits up to $25,000,000 Property Coverage Options: Basic, Broad, or Special Form Coverage for Buildings (if applicable) Business Income protection Contents and Equipment Breakdown Inland Marine coverage for mobile equipment and inventory Replacement Cost or Actual Cash Value Scheduled Property Floater available Whether your client sets up at local farmers markets or manages multiple vending locations, this program can help protect their assets and operations with tailored limits and coverage forms. Underwriting Notes Colonial General works with a variety of carriers to provide flexible solutions, including access to both admitted and non-admitted markets, depending on state and risk profile. Underwriting is focused on clean operations with well-defined hours, safety protocols, and limited exposure to high-risk cooking methods or hazardous products. Contact Colonial General for specific underwriting guidelines and risk eligibility. Territories and Availability This Push Cart Insurance program is currently 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? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. has the niche expertise and carrier relationships to help you place hard-to-insure or mobile business accounts. Their experienced underwriting team understands the unique exposures faced by push cart and kiosk operators, and they provide responsive support with competitive market access across the western U.S. Whether you’re placing a seasonal ice cream cart in Utah or a retail kiosk in a California shopping center, Colonial General can help you secure the coverage your clients need to operate with confidence. Frequently Asked Questions What types of accounts are a good fit for this Push Cart Insurance program?This program is ideal for mobile vendors using carts, kiosks, or booths to sell food, beverages, merchandise, or services in public or temporary locations. Does the program cover food vendors with cooking equipment?Limited cooking exposures may be acceptable, depending on the method and controls in place. Open flame or deep-frying operations may be restricted. Contact underwriting for specifics. Is liquor liability available under this program?Yes, liquor liability coverage is available for qualifying risks, such as vendors selling alcoholic beverages at permitted events. Can this program provide coverage in multiple states?Yes, coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can help place risks across these western states. Are additional insured endorsements included?Yes, additional insureds are included at no extra cost, which is especially helpful for vendors participating in events or renting space from municipalities or private venues. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a dedicated Driving Range Insurance program to help independent agents place coverage for public and private golf operations — including outdoor and indoor driving ranges, miniature golf, country clubs, and pro shop operations. This program is delivered through Colonial General as a managing general agency and excess & surplus lines broker with access to multiple markets (carriers vary). Overview of the Program from Colonial General This Driving Range Insurance program combines property, liability, crime and inland marine solutions on a monoline or packaged basis. It is designed for driving-range-focused operations that need tailored limits, ancillary coverages (golf carts, bailee’s coverage for pro shops, equipment breakdown), and excess/umbrella capacity. Admitted options are available in some markets; non-admitted E&S placement is supported where appropriate. Ideal Accounts and Appetite Public and private driving ranges (indoor and outdoor) Country clubs and golf courses with range facilities Miniature golf courses and entertainment complexes with limited lodging Pro shops, food/beverage concessions, and accessory retail operations on-site Accounts that fit best typically have routine range operations, managed crowd control, designated hitting bays, documented maintenance programs for tees and greens, and standard cart fleets. Complex operations with large-scale events, extensive on-site lodging, or high-hazard attractions may require specialized underwriting review. Coverage Highlights and Advantages The program includes robust liability and property features to address the common exposures of range operations: Commercial General Liability — Primary limits available up to $3,000,000 occurrence and aggregate; additional interests included; hired & non-owned auto included; $5,000 medical payments included; liquor liability available; excess/umbrella capacity up to $25,000,000; often no deductible required for liability. Property Coverages — Building, contents, equipment breakdown, replacement cost or ACV options, damage to greens and tee boxes, sprinklers, computer equipment, valuable papers, business income and extra expense, food spoilage, contractor’s equipment, and inland marine for golf carts. Crime Coverage — Inside premises (theft of money and securities; robbery/safe burglary of other property) and outside the premises. Pro Shop and Operations — Bailee’s coverage for pro shop, accounts receivable, and other retail-related exposures can be included. Underwriting Notes Submission requirements typically include an ACORD application, current loss runs, schedule of operations (hours, seasonal usage), details on food/beverage and alcohol service if applicable, and photos of the range, bays, and cart storage. Underwriters evaluate range layout, netting/fencing, lighting, cart maintenance programs, employee training, and security measures for pro shop/crime exposures. Accounts with frequent large tournaments, amplified alcohol sales, significant spectator seating, or on-site lodging will require additional review and may be referred to specialty markets. Territories and Availability This program is available in the western U.S.: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted coverage can be placed in some markets where carriers offer admitted paper; otherwise E&S placement is available through Colonial General’s carrier relationships (carriers vary by state and account characteristics). Why Work with Colonial General on Driving Range Accounts Specialized appetite for golf-related risks and ancillary operations. Access to both admitted and E&S markets depending on state and account profile. Ability to package property, liability, crime, and inland marine to reduce gaps in coverage for ranges and pro shops. Experienced underwriting and flexible excess/umbrella capacity for clients who need higher limits. Example scenarios: You might have a municipal driving range with rental bays, a small pro shop and minimal food service — this program can provide a cost-efficient package with liability and inland marine for carts. Or you may place a private country club that needs liquor liability and umbrella limits for large member events — excess capacity up to $25M is available. Submission Tips Include loss runs for the last 3–5 years, description of range operations (hours, seasonality), and details on alcohol service if present. Provide photos of the facility layout, hitting bays, cart storage/maintenance area, and any risk-control features (netting, fencing, signage). If available, include routine maintenance schedules for turf, irrigation/sprinklers, and golf cart inspection records. Frequently Asked Questions What types of driving range accounts are a good fit for this program?Public and private driving ranges, mini-golf facilities, and country clubs with typical range operations fit well. The program works best for locations without extensive lodging, minimal high-hazard attractions, and with documented maintenance and safety practices. What liability limits and excess options are available?Primary commercial general liability limits are available up to $3,000,000 occurrence and aggregate, and excess/umbrella limits can be placed up to $25,000,000 depending on the account and carrier availability. Are admitted policies available?Admitted options are available in some markets. Colonial General also places E&S coverage where admitted paper is not available or when the account requires more flexible terms. What information should I include with a submission?Provide a completed application, recent loss runs, description of operations (including alcohol service if any), photos of the range and carts, and any risk-control documentation such as maintenance schedules and employee training programs. Can you place liquor liability and pro shop crime coverage?Yes. Liquor liability can be included where needed, and crime coverage for inside/outside premises and safe burglary is available to protect pro shop cash and inventory. Need help placing an account? Connect with a market specialist.

Numerous unexpected challenges can arise when dealing with used vehicles. From advertising liability to inventory protection and employee safety, a used car dealership faces a wide array of exposures that require targeted, comprehensive coverage. Used Car Dealer Insurance Program from Pacific Coast E&S At Pacific Coast E&S Insurance Services, we provide tailored insurance solutions for independent (non-franchised) used car dealerships and on-site repair operations. Many standard carriers avoid these risks because of the potential for large losses; as a wholesale broker we place business with specialty markets that will write these classes. Our underwriting team focuses on practical, flexible coverage options that help agents place accounts other carriers decline. Target Accounts and Ideal Risks • Used automobile and truck dealers • Motor home and RV dealerships • Motorcycle and powersports dealers • Golf cart and neighborhood electric vehicle dealers • Independent electric vehicle sellers This program fits independent, non-franchised dealers that may operate modest service or repair facilities on site and that keep inventory on secured lots. We also consider small dealers who provide limited towing for their own operations. Example fits: you might have a client who runs a small used-car lot in California with a basic mechanical bay on-site, or an independent electric golf-cart retailer in Washington with a fenced, gated lot. These are the types of risks we commonly place. Coverage Highlights • Garage Liability with 3× aggregate limits • Broadened General Liability endorsements to address premises and operations exposures • Medical Payments — up to $5,000 • Standard Property coverage packages for buildings, contents and inventory • Rating credits for protected or secured lots (fencing, lighting, surveillance) • Scheduled Auto coverage — up to 5 vehicles on the policy • Optional Tow Truck coverage when towing is limited to the insured’s own operations These features are designed to protect dealers from customer injury, third-party property damage, inventory loss, and common garage exposures encountered in retail vehicle operations. Underwriting Considerations Secured lots or indoor storage are preferred and may receive rating credits. Tow truck coverage is acceptable only when towing is restricted to in-house use (inventory movement, customer service related to sales/repairs). We favor accounts with a clean loss history and straightforward, well-documented operations. Minimum premiums and final terms vary by account size, location, and exposures; underwriters will work with agents to find appropriate solutions for each submission. Service Area and Admitted Status This program is currently available in: California Oregon Washington Some admitted paper options are available depending on the jurisdiction and risk characteristics. Contact our team to confirm admitted availability for a given account. Why Partner with Pacific Coast E&S? As a wholesale broker specializing in commercial auto and garage risks, Pacific Coast E&S connects agents with markets that many standard carriers will not consider. Our underwriters understand the nuances of used-vehicle operations and work collaboratively with brokers to structure coverages that match the insured’s real exposures. We provide practical underwriting guidance, flexible options for small fleets and scheduled autos, and rating credit opportunities for secured sites. If you need help placing a challenging used car dealer account, connect with a market specialist for a full risk assessment and quote. Frequently Asked Questions What types of accounts are a good fit for this program?Non-franchised used car and truck dealers, motorcycle and RV dealers, electric vehicle and golf cart retailers, and similar small retail operations — especially those with limited on-site repair shops or towing for in-house use. Is tow truck coverage included?Tow truck coverage can be added when towing is performed exclusively for the insured’s operations, such as moving inventory or servicing customer vehicles sold by the dealer. Are there specific lot requirements to qualify?Yes. We prefer secured lots and offer rating credits for properties with fencing, lighting, surveillance, or indoor storage. Risk controls that reduce theft and vandalism will help placement and pricing. Is this program available on an admitted basis?Some admitted options are available in select states. Admitted availability depends on the risk profile and underwriting guidelines — reach out to confirm for a specific account. What states is this program offered in?This program is offered in California, Oregon, and Washington. Need help placing an account? Connect with a market specialist.

Weddings are major life events—and they carry meaningful financial risk. When a vendor cancels, a venue double-books, or a key service fails to show, your clients can face significant losses. R.V. Nuccio & Associates, Inc. distributes the Wedsure Wedding Insurance program, giving agents and brokers a flexible, a la carte solution to protect clients’ events. Rather than forcing preset packages, Wedsure lets you build coverage tailored to each couple’s specific exposures. Ideal Accounts and Appetite This program fits individuals planning weddings or civil ceremonies of any size—local ceremonies, large receptions, and destination weddings. It’s a good option when clients need protection for vendor non-performance, lost deposits, or liability exposures at private or public venues. Typical fits include historic sites with strict certificate requirements, outdoor ceremonies exposed to weather, and clients who want standalone protection for photography, jewelry, or gifts. Coverage Highlights and Advantages Wedsure separates nine common wedding coverages so couples only buy what they need. You can mix and match options instead of paying for bundled features. Coverage choices include: Personal Liability (includes Host Liquor Liability; Medical Payments optional) Cancellation/Postponement (including Additional Expense; Change of Heart optional) Loss or theft of Gifts Jewelry protection Loss of Deposits Photographs and Video coverage Professional Counseling Rented Property protection Special Attire coverage This modular approach helps keep premium aligned with event budgets while covering the exposures that matter most. Policies can be written for both weddings and civil ceremonies. Underwriting Notes and Minimum Premiums Underwriting is straightforward and designed for quick quoting and binding. Minimum premiums vary depending on the selected coverages and event details. Where applicable, policies are placed on an admitted basis to provide compliance and broader market access. Territories and Availability The Wedding Insurance program is available in all 50 states and Washington, D.C., allowing you to serve clients nationwide. Why Work With R.V. Nuccio & Associates, Inc. R.V. Nuccio & Associates, Inc. is a Managing General Agency with deep experience in special event insurance. Agents benefit from their streamlined quoting platform, responsive service, and the ability to offer highly customizable coverage through Wedsure. Whether you place a few wedding risks a year or handle them regularly, Nuccio’s market access and program flexibility make it easy to find an appropriate solution for most client scenarios. Learn more at http://wedsure.com/. Call us at 1-800-ENGAGED. Frequently Asked Questions What types of accounts are a good fit for this program?Individuals planning weddings or civil ceremonies who want protection from vendor issues, cancellations, property loss, or on-site liability are a strong fit for Wedsure. Can clients purchase only the coverages they need?Yes. Wedsure offers nine coverages on an a la carte basis so clients can choose specific protections—such as jewelry, photographs, or loss of deposits—without buying unnecessary extras. Is the coverage available in all states?Yes. The program is available in all 50 states and Washington, D.C., and is written on an admitted basis where applicable. What is the underwriting process like?Quoting and binding are designed to be efficient. Minimum premiums vary based on event size and selected coverages; most risks can be placed quickly through R.V. Nuccio’s platform. What sets R.V. Nuccio & Associates, Inc. apart?Their focus on special event insurance, flexible a la carte coverages, and responsive MGA support help agents place wedding-related risks with confidence. Need help placing an account? Connect with a market specialist.

Garage Insurance — Ashley General Agency Ashley General Agency offers a specialized Garage Insurance program designed for agents placing auto-related businesses in Texas. As a managing general agency, we provide access to admitted and non-admitted capacity through markets including Catlin, Acceptance, Mesa, and Underwriters at Lloyds. Our garage markets write limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can handle dealer physical damage and garagekeeper exposures with limits up to $1,000,000. Programs accept drivers age 18 and older, with minimum premiums starting around $500. Ideal Accounts and Appetite This program is built for a broad range of garage-related risks. Typical classes we underwrite include: Auto repair shops and general auto repair Used auto sales / internet auto sales Dealers (including dealer physical damage and garagekeeper exposures) Auto parts sales and installation Car washes Mobile auto repair and towing-related operations RV, motorcycle, scooter, and golf cart sales & repair Heavy truck repair/sales and utility trailer sales/repair Impound yards and emergency vehicle sales/repair We are willing to consider niche operations such as mobile mechanics and internet-based auto sellers, subject to underwriting review. Coverage Highlights and Advantages Commercial general liability and garage liability limits available up to $1,000,000/$3,000,000 agg. Dealer physical damage and garagekeeper coverage offered up to $1,000,000. Competitive minimum premiums (from approximately $500) for smaller accounts and select risk profiles. Flexible appetite across common garage exposures—parts installation, service operations, and vehicle sales. Access to multiple specialty carriers through Ashley General Agency’s MGA platform for tailored placements. Underwriting Notes and Minimums Minimum driver age is 18 for program eligibility. Minimum premium: approximately $500 (final premium subject to underwriting and state rules). We evaluate account details including loss history, operations mix, physical premises, and protective safeguards (signage, keys, secured lots) for garagekeeper and dealer placements. Certain high-hazard operations, excessive exposure to long-haul towing, or accounts with frequent high-severity claims may be declined or require higher limits/deductibles. Territories and Admitted Status This program is available in Texas. Note: the carrier panel includes non-admitted capacity; Ashley General Agency places these risks through specialty markets. Check state-specific placement rules and filing requirements before submission. Why Work With Ashley General Agency Ashley General Agency combines focused garage underwriting with direct access to specialty carriers experienced in automotive classes. Agents benefit from hands-on underwriting, quick turnarounds on straightforward risks, and competitive minimums for smaller accounts. We can work with you on multi-line placements and handle dealer physical damage and garagekeeper exposures that many standard markets limit. Example Accounts That Fit This Program A two-bay independent auto repair shop with modest payroll, routine parts installation, and a secured lot—seeking combined general and garage liability with garagekeeper limits. A small used-car dealer that needs dealer physical damage and liability for inventory and customer vehicles, with drivers aged 18+ and a lower premium budget. For more information on our Garage program, call us today! Frequently Asked Questions What types of accounts are a good fit for this program?Accounts such as independent repair shops, used car dealers, auto parts installers, car washes, mobile repair services, and specialty sellers (motorcycle, RV, golf cart) are good fits. We particularly focus on operations with standard safety controls and manageable loss histories. What limits and garage-specific coverages are available?We offer liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can provide dealer physical damage and garagekeeper coverage with limits up to $1,000,000, subject to underwriting review. What are the key underwriting requirements or red flags?Key considerations include driver age (minimum 18), past loss activity, premises security, vehicle inventory controls, and the mix of operations. Accounts with frequent or high-severity claims, poor inventory controls, or unusual exposures may be declined or require modified terms. How do I submit a submission and what turnaround can I expect?Submit complete applications and loss runs through your usual wholesale channels to Ashley General Agency. Straightforward accounts typically receive faster responses; complex or higher-limit submissions may require additional underwriting review and documentation. Is this program available outside Texas?This specific garage program is currently available in Texas. Coverage may be placed through non-admitted markets on our carrier panel; verify state filing requirements before submission. Need help placing an account? Connect with a market specialist.

Commercial Inland Marine Insurance Program from Cochrane & Company Cochrane & Company offers a flexible and comprehensive Commercial Inland Marine Insurance program designed to help agents and brokers place business that falls outside the scope of standard commercial property policies. With access to multiple carriers and a broad appetite, this program allows you to serve a wide range of clients with mobile or specialized assets that require tailored coverage solutions. Coverage is available on a monoline or package basis, giving you flexibility to meet your insureds' specific risk profiles. Whether your client needs protection for equipment on the move, valuable papers, or fine arts, Cochrane & Company provides solutions that help you expand your book of business with confidence. Ideal Accounts and Target Classes This program is well-suited for businesses with mobile, movable, or specialized property exposures. Target classes include, but are not limited to: Accounts Receivable Mobile Agricultural Machinery and Equipment Animal Floaters Bailees Customers Computer Systems Coverage Optional coverages available Contractor’s Equipment Exhibition Coverage Commercial Fine Arts Breakage coverage available Golf Carts Installation Coverage Miscellaneous Articles Prize Indemnification Signs Trip Transit Valuable Papers If you work with clients who transport goods, display fine art, lease equipment, or maintain mobile operations, this program offers the protection they need. Coverage Highlights and Advantages Inland marine policies through Cochrane & Company help fill key gaps left by traditional property insurance. Highlights of available coverages include: Protection for property in transit or on location Optional breakage and theft coverage Specialized coverages for contractors, exhibitions, and more Flexible terms for a wide variety of classes You might have a client who operates a landscaping business and needs coverage for their trailer-based equipment across multiple job sites, or an art gallery that requires protection for fine art during transport and display. This program is built to meet those needs. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class and risk characteristics. Cochrane & Company underwrites each submission individually and works with multiple carriers to find the best fit. The program is non-admitted, allowing for greater flexibility in tailoring solutions for unique or hard-to-place risks. Territories and Availability This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. Cochrane & Company is actively seeking business in these regions and welcomes submissions from licensed agents and brokers. Why Work With Cochrane & Company? As a trusted Managing General Agency with decades of experience, Cochrane & Company provides expert underwriting, responsive service, and access to a broad array of markets. They specialize in helping agents and brokers find creative solutions for risks that don’t fit the standard market mold. With a wide appetite and flexible approach, Cochrane & Company is an excellent partner for placing inland marine business. For more information about how to quote Commercial Inland Marine Insurance with Cochrane & Company, please contact their team directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets clients with mobile property or specialized inland exposures, such as contractors, equipment dealers, art galleries, and agricultural operations. Is this coverage available on a monoline basis?Yes, Cochrane & Company offers Commercial Inland Marine Insurance on both a monoline and package basis. What is the minimum premium for this program?Minimum premiums vary based on the class and risk characteristics. Contact Cochrane & Company for specific underwriting guidance. Is the program admitted or non-admitted?This is a non-admitted program, which allows for greater flexibility in underwriting and coverage customization. In which states is this program available?The program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Need help placing an account? Connect with a market specialist.

King Support Systems Insurance Services — Mobile Home Park Insurance King Support Systems Insurance Services offers a specialized Mobile Home Park Insurance program designed for parks in the western U.S. As a Managing General Underwriter and Excess & Surplus Lines Broker, King Support Systems places multi-line packages that address property, liability and ancillary exposures for park owners and operators. Territory & Availability Available in AZ, CA, NM, NV, OR, UT and WA Admitted status: Most Available Markets LLC, Non-Profit and Not-for-Profit ownership structures accepted Ideal Accounts and Appetite Independent and professionally managed mobile home parks with primarily long-term tenants Parks with park-owned rental homes or significant on-site amenities (clubhouse, pool, golf carts) LLCs, owner-operators, and nonprofit park owners Not ideal: parks with active major code violations, extensive prior losses without mitigations, or high-hazard tenant activities Coverage Highlights Property: No age restriction on buildings; replacement cost options and ordinance & law available Business Income: Available on an ALS basis with 120-day extended period of indemnity Equipment breakdown and mechanical/sudden accidental failure coverage for panels and transformers Utilities coverage for above- and below-ground piping and infrastructure General Liability: Typical limits include $1,000,000 per occurrence with $2,000,000 aggregate and $1,000,000 Personal & Advertising Injury; 100% park-owned rental placements supported Umbrella: Limits up to $20,000,000 (requires AM Best "A" VII or better underlying carriers) Commercial Auto: Package or monoline with $1,000,000 CSL Inland Marine: Coverage for mobile equipment, signs, tools, golf carts and similar property Crime: Employee dishonesty, money & securities, forgery & alteration National Flood: Up to $500,000 max limits per building where required to satisfy lender needs Employment Practices / D&O: Wrongful discharge, sexual harassment, retaliation and related employment exposures Difference in Conditions (DIC) options including per-unit deductibles and replacement cost Underwriting Notes & Submission Tips No blanket age restriction on buildings — provide photos and maintenance records for older structures Detail park-owned rentals separately (100% park-owned rental programs available) Include loss runs, tenant mix, rent structure, and any recent improvements when submitting Expect carrier-specific requirements for umbrella and flood placements (AM Best ratings and lender limits) Example Accounts You might have a 75-pad independent park in Oregon with park-owned rental units and a clubhouse — this program can combine property, GL, inland marine and umbrella limits to meet lender and operational needs. A nonprofit park in Washington seeking DIC and employment practices coverage to protect volunteer management could benefit from the program’s tailored package options. Why Place This Business With King Support Systems King Support Systems combines focused underwriting for mobile home parks with access to admitted and E&S markets in the western states. The team places multi-line programs that reduce gaps between property, liability and ancillary exposures while supporting unique ownership structures such as LLCs and nonprofits. If you need flexible placements, umbrella capacity, or flood solutions that satisfy lenders, this program is structured to help you close those submissions. Mobile Home Park Insurance Frequently Asked Questions What types of mobile home park accounts are the best fit for this program?The program is best for independent or professionally managed parks in AZ, CA, NM, NV, OR, UT and WA — including parks with park-owned rental units, community amenities, and formal ownership structures like LLCs or nonprofits. Which lines can King Support Systems package together for a single placement?Common multi-line placements include property (replacement cost options), general liability, umbrella, inland marine, commercial auto, crime, mechanical breakdown, national flood and EPL/D&O where needed. Are there age restrictions or special requirements for older buildings?There is no blanket age restriction. Underwriters will want photos, maintenance history and details of improvements for older structures; those items help determine eligibility and terms. What information should I include when submitting a prospect?Provide completed application, current loss runs, occupancy and tenant mix, description of park-owned rental units, address-level details for flood review, photos of buildings/amenities, and any recent risk improvements or mitigation measures. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Miniature Golf Course Insurance program designed to help agents place both public and private golf-related businesses. Whether your client operates a standalone miniature golf course, an indoor or outdoor driving range, or a country club with a mini-golf amenity, this program provides flexible coverage options tailored to the unique risks of recreational golf facilities. Coverage is available on a monoline or package basis and delivers robust protection for property and liability exposures. Ideal Accounts and Appetite This program is best suited for: Standalone miniature golf courses Family entertainment centers with mini-golf components Indoor or outdoor driving ranges Public and private golf courses or country clubs with mini-golf Colonial General favors accounts with well-maintained premises, standard safety protocols, and minimal claims history. Examples of good fits: a seasonal mini-golf park in a resort or tourist area, or a year-round indoor course attached to a family entertainment center. Higher-hazard operations, locations with frequent losses, or venues with significant water hazards or extreme attractions may require additional underwriting review or be better placed elsewhere. Coverage Highlights and Advantages Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 occurrence and aggregate Additional insureds—automatically included Hired and non-owned auto liability $5,000 medical payments coverage Liquor liability—available for eligible operations Excess/Umbrella limits up to $25,000,000 No deductible required on liability Property Coverage Options: Building and contents coverage Business income and extra expense Computer equipment and electronics Contractor's equipment and inland marine for golf carts Coverage for damage to greens, tee boxes, and course features Food spoilage and equipment breakdown Sprinklers, valuable papers, and bailee’s coverage for pro shops Available on replacement cost or actual cash value basis Crime Coverage Features: Inside the premises – theft of money and securities Inside the premises – robbery or safe burglary of other property Outside the premises – theft and robbery protection Underwriting Notes and Minimum Premiums Colonial General reviews each submission individually, considering operations, location, safety protocols, and loss history. While no specific minimum premium is listed here, accounts should be commercially viable and meet standard underwriting criteria. Liability coverage typically carries no deductible, and optional excess limits are available for accounts that need higher limits. Territories and Availability This Miniature Golf Course Insurance program is available to agents placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and non-admitted market options may be available depending on the state and the risk profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines niche recreational property expertise with access to multiple markets. Agents benefit from a responsive underwriting team, flexible coverages, and the ability to place both admitted and non-admitted business where appropriate. This program is positioned to help you secure competitive limits and tailored terms for golf-related venues that meet underwriting standards. Frequently Asked Questions What types of accounts are a good fit for this program?Miniature golf courses, family fun centers with golf attractions, and indoor/outdoor driving ranges are ideal. Public or private golf-related venues with clean loss history and good maintenance practices are preferred. Is liquor liability available under this program?Yes. Liquor liability can be included when applicable, subject to underwriting review of the operations and controls in place. Are both property and liability coverages available?Yes. Coverage can be written on a monoline basis or packaged to include both property and liability, depending on the client’s needs. Which states is this program available in?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Do all risks qualify for admitted markets?Not all risks will qualify for admitted placement. Colonial General offers both admitted and non-admitted options based on the risk characteristics and location. Need help placing an account? Connect with a market specialist.

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.