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Policy Highlights: If you place business for child care providers that transport children by van, Colonial General Insurance Agency, Inc. offers a specialized Day Care Van Insurance program designed for that exposure. With access to multiple admitted and non-admitted markets and flexible coverage options, Colonial General helps you place risks for licensed day care transport vehicles operating across the Western United States. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with focused transportation products for the child care industry. This program is tailored for licensed day care centers that operate passenger vans to transport children to and from the facility, school, field trips, or other approved activities. Multiple carrier options and underwriting flexibility allow you to address both auto liability and physical damage needs for single vans or small fleets. Ideal Accounts and Appetite This program is a good fit when your client is a licensed commercial day care center that owns and operates one or more passenger vans for business-related child transport. Typical placements include: Licensed child care centers with one or several passenger vans Facilities transporting children locally or regionally (up to a 500-mile radius) Operators with documented safety protocols and clean driving records Restrictions: Colonial General does not provide coverage for in-home day care vans. Examples you might place: a neighborhood day care that runs a single 12-passenger van for drop-off and pick-up, or a small regional center that operates a two-van fleet for local field trips and after-school transport. Coverage Highlights and Advantages Key features of the Day Care Van Insurance program include: Auto liability limits up to $1 million CSL (Combined Single Limit) Physical damage with deductible choices from $500 to $5,000 Operations radius up to 500 miles Ability to structure limits and deductibles to meet client budgets and risk tolerance Whether you are placing a single van or a small fleet, the program’s carrier panel and underwriting flexibility help you tailor a solution to the account’s needs. Underwriting Notes and Minimum Premiums Underwriting focuses on driver qualifications, vehicle use, and safety procedures. Colonial General reviews each submission individually and will consider factors such as driving records, training programs, vehicle maintenance, and supervision practices. Pricing and minimum premiums vary by carrier, state, and exposure; agents can expect competitive options across admitted and non-admitted markets where available. Territories and Availability This 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) Admitted markets may be available in select states; Colonial General can confirm state-specific eligibility and market access on a submission-by-submission basis. Why Work With Colonial General? Colonial General combines niche auto underwriting expertise with a responsive, agent-focused approach. Their access to a variety of carriers—both admitted and non-admitted—gives you placement options when standard markets are limited. The MGA’s emphasis on transportation risks for child care providers means underwriters understand the exposures and can work with you to structure practical coverage and pricing. If you have a client who operates a licensed day care center and needs coverage for transport vehicles, Colonial General can help you find the right protection. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed commercial day care centers that use passenger vans to transport children are the primary target. In-home day care providers and private shuttle services that are not licensed day care centers are not eligible. What coverage limits are available?The program offers auto liability limits up to $1 million CSL and physical damage with deductible options ranging from $500 to $5,000, depending on the carrier and account profile. Is this program available in all states?No. Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets may be offered in some states; Colonial General can advise based on the submission. Can I write coverage for a single van?Yes. The program accommodates single-vehicle risks as well as small fleets, provided the operation meets underwriting criteria. Are admitted markets available?Some admitted markets are available depending on the state and risk details. Colonial General also offers non-admitted options when admitted capacity is limited. Need help placing an account? Connect with a market specialist.

After School Programs Insurance is a core offering from AFC Insurance Inc.’s Health & Human Services Program. Built for the distinct exposures of youth-serving organizations, this specialty insurance solution helps agents and brokers place tailored coverage for tutoring centers, recreational programs, mentoring services, and similar after school operations. AFC combines flexible forms, abuse & molestation options, and program-focused underwriting to address the real-world risks your clients face. Ideal Accounts and Appetite This program fits professional after school and youth-focused programs that operate in structured, supervised environments. Common classes include: After School Programs Anti-Bullying Programs Tutoring Centers Recreational Activities Homework Help Programs Mentoring Services Boys and Girls Clubs (excluding overnight stays) Programs must demonstrate appropriate supervision and risk management practices. Overnight programs, residential care, or operations with unsupervised high-risk activities typically fall outside standard appetite but can be reviewed case-by-case. Coverage Highlights and Advantages AFC's After School Programs Insurance provides a flexible suite of coverages designed for the liability and operational risks these organizations face. Available options include: Package policies combining key coverages General Liability & Professional Liability Endorsements and enhancements, such as: Volunteers & independent contractors added as insureds Optional key employee replacement Optional extended coverage with blanket additional insureds Umbrella liability Property coverage Auto coverage (subject to underwriting restrictions) Abuse & Molestation coverage, available and configurable by account These options help your clients manage exposures from premises liability and professional errors to more sensitive allegations—an important consideration for youth-serving organizations. Underwriting Notes and Minimum Premiums Underwriting evaluates staffing levels, supervision protocols, background screening, facility controls, program activities, and prior loss history. Minimum premiums and final terms vary by account size, services offered, and state. Provide detailed operational information—staff ratios, volunteer use, activity descriptions, safety procedures, and contracts—for the fastest response from AFC underwriters. Territories and Availability The program is offered in most states and is available on an admitted basis in the majority of those territories. AFC writes accounts in a wide range of states, including: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, and WY. Availability and admitted status vary by state and line. Why Work With AFC Insurance Inc. AFC is a program administrator focused on Health & Human Services markets and understands the operational and liability challenges of youth-serving organizations. AFC offers access to multiple carriers, a program-style appetite for niche placements, and underwriters who will work with you on endorsements and risk-transfer solutions that other markets may decline. Example scenarios you can place through AFC: A suburban tutoring center with part-time staff and volunteer mentors seeking combined general and professional liability with abuse coverage added. A community recreation program that needs package coverage including property, GL, and an umbrella for larger events and off-site activities. Working with AFC gives you a responsive underwriting team, flexible forms suited to after school risks, and admitted options in many states to help meet compliance needs. Frequently Asked Questions What types of accounts are a good fit for this program? Ideal accounts include after school programs, tutoring centers, recreational programs, mentoring services, and Boys and Girls Clubs that do not offer overnight stays. Is Abuse & Molestation coverage included? Yes. Abuse & Molestation coverage is available as part of the program and can be tailored to each account’s needs. Do you cover volunteers and independent contractors? Yes. The program offers endorsements that add volunteers and independent contractors as insureds to broaden protection for your client’s workforce. Are these policies admitted or non-admitted? The program is offered on an admitted basis in most available states, which can simplify compliance and policy administration where admitted filings are required. What is the submission process like? Provide detailed information on services offered, staffing and supervision protocols, volunteer use, risk management practices, and any prior losses. AFC underwriters collaborate with appointed agents to streamline quoting and placement. Need help placing an account? Connect with a market specialist.

Policy Highlights — Church Insurance Colonial General Insurance Agency, Inc. offers a dedicated Church Insurance program designed for houses of worship and related operations. The program is available on a mono-line or packaged basis and is underwritten with features agents need when placing church, parish, chapel, and other faith-based risks. Overview of the Program This program provides primary and excess liability capacity, property coverage options, crime protection, and specialized liability extensions that matter to congregations — including clergy counseling E&O and coverage for daycare/preschool operations. Colonial General places business in admitted and non-admitted markets depending on state and risk characteristics (Some Available Markets). Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 occurrence/aggregate. Specialized Liability Extensions: Clergy counseling Errors & Omissions and E&O for daycare/preschool operations. Abuse Coverage: Sexual/physical abuse limits available — typically $100,000 per claim / $300,000 aggregate (limits vary by market). Included Protections: Medical payments ($5,000), additional interests, and options for excess/umbrella limits up to $25,000,000. No deductible required on certain liability placements (subject to carrier and state availability). Property: Basic, Broad, or Special forms for building, contents, business income, computer equipment, equipment breakdown, fine arts floaters, food spoilage, outside signs, valuable papers, and options for replacement cost or actual cash value. Crime: Inside-the-premises theft of money and securities; inside robbery or safe burglary of other property; and outside-the-premises theft coverage. Ideal Accounts and Appetite This program works best for small to mid-size congregations and worship facilities that operate typical religious services, community outreach programs, fellowship events, and optional childcare/preschool activities. Appetite includes: Parishes, churches, chapels, and mission sites Facilities with on-site daycare or preschool programs Properties with fine arts, historic elements, or volunteer-run programs Accounts with recent or multiple severe sexual abuse claims, uncontrolled volunteers with unsupervised access to children, or very large exposures may require supplemental underwriting or placement in specialty markets. Underwriting Notes Admitted vs. non-admitted availability varies by state and the insured’s loss history; Colonial General can access admitted carriers in some markets and E&S capacity where needed. Detailed information about childcare operations, background checks, volunteer screening, building values, and protection systems will accelerate quotes. Minimum premiums and binding thresholds depend on the carrier selected; submit full ACORD applications and current loss runs for prompt review. Territories and Licensing Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage offerings, admitted status, and specific limits vary by state and carrier. Why Place Church Business with Colonial General As a Managing General Agency and Excess & Surplus lines broker, Colonial General combines targeted church underwriting with access to multiple admitted and E&S markets. The program’s strengths are its specialized liability extensions (clergy counseling E&O and daycare E&O), abuse coverage options, flexible property forms, and significant umbrella capacity. Colonial General is positioned to help brokers find tailored solutions for faith-based clients where standard markets may be limited. Example Accounts A suburban church with a 150-person congregation, weekday preschool program, and community outreach events — needs primary liability, abuse coverage, and E&O for counseling staff. A rural historic chapel with valuable artwork and a small volunteer-run food pantry — needs special-form property with a fine arts floater and crime coverage for donation handling. Frequently Asked Questions What types of church accounts fit this program?Small to mid-size houses of worship, chapels, and mission sites that run services, community programs, and optional childcare/preschool operations are a good fit. The program is built for congregations that need specialized liability extensions like clergy counseling E&O and abuse coverage. Which states and admission options are available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can access admitted carriers in some markets and E&S capacity where necessary; availability depends on the state and the specific risk profile. Do you offer abuse and clergy counseling coverage?Yes. The program offers sexual/physical abuse limits (commonly listed as $100,000 per claim / $300,000 aggregate in many markets) and clergy counseling E&O. Exact limits and terms depend on the carrier and underwriting review. What underwriting information speeds a quote?Provide a completed ACORD application, current loss runs, details on childcare operations and volunteer screening, building values and protection systems, and any contracts or rental exposures. These items help underwriters place the risk efficiently. Is property coverage available on replacement cost?Yes. Property can be written on replacement cost or actual cash value, with form options including Basic, Broad, or Special and add-ons such as equipment breakdown, fine arts floaters, and business income. Need help placing an account? Connect with a market specialist.

Program Highlights: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Dwelling Liability Only Insurance program tailored for one- to four-family residential properties. Whether you're working with owner-occupied, tenant-occupied, seasonal, or vacant dwellings, we provide solutions to fit your insureds’ unique needs—especially when standard markets fall short. Ideal Accounts and Appetite This program is designed for agents looking to place residential dwellings that don't meet traditional underwriting criteria. We specialize in hard-to-place risks, including: Vacant dwellings Seasonal or secondary residences Dwellings under renovation Unprotected properties (e.g., lacking nearby fire protection) Homes with prior cancellations or non-renewals Low or high-value homes Builders risk properties You might have a client with a vacant property awaiting sale or recently inherited—this program can provide essential liability protection when other carriers decline coverage. Coverage Highlights and Advantages Our dwelling program offers customizable coverage options to meet a wide range of residential exposures. Available coverages include: Personal & Premises Liability Mono-line Liability or Mono-line Property Medical Payments Fire and Extended Coverage DP-3 Special Form Additional Living Expense Fair Rental Value Burglary, Vandalism & Malicious Mischief Unit Owner’s Coverage for Condominiums Optional Day Care Liability (up to 5 children) Residential Vacant Land Liability This flexibility allows you to tailor a policy specifically to your client’s exposures—whether they need protection for a rental property, temporary vacancy, or a primary residence undergoing renovations. Underwriting Notes and Minimum Premiums Colonial General underwrites through a variety of carriers and markets, with both admitted and non-admitted options available depending on the risk and the state. Our underwriters are experienced in non-standard residential exposures and work with you to find the best fit for your client’s needs. Minimum premiums vary by coverage selection and risk profile. Please contact us for details specific to your account. Territories and Availability This program is available to licensed agents and brokers 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 specializes in niche residential markets that many standard carriers avoid. We offer a wide range of flexible coverage options, access to multiple carriers, and underwriting expertise that helps you successfully place hard-to-insure residential properties. From quick quotes to responsive service, we’re committed to making your job easier. Frequently Asked Questions What types of accounts are a good fit for this program?Occupied or vacant one- to four-family dwellings, seasonal homes, renovations, and risks that have been cancelled or non-renewed are ideal candidates. Can I write only liability coverage without property coverage?Yes, Mono-line Liability is available, allowing you to provide liability protection without including property coverage. Is this program available in admitted markets?Some admitted markets are available, depending on the risk type and state. We also offer non-admitted options for harder-to-place risks. Can I write coverage for a vacant residential dwelling awaiting sale?Yes, our program is well-suited for vacant dwellings, including those temporarily unoccupied or awaiting sale or renovation. What 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.

Policy Highlights for Entertainment Insurance: Colonial General Insurance Agency, Inc. offers a focused Entertainment Insurance program for local and regional performers and event entertainers. The program is designed for agents and brokers looking to place clients who regularly perform at private parties, community fairs, festivals, carnivals, exhibitions, and small theater productions. Typical insureds include DJs, bands, clowns, face painters, caricature artists, magicians, psychic entertainers, home party performers, theatrical casts, and novelty services such as singing or stripping telegrams. Coverage is flexible and can be tailored to the specific exposures of these small- to mid-sized entertainment operations. Ideal Accounts and Appetite This program targets community and regional entertainers and production teams rather than large touring acts or major theatrical productions. Typical accounts that fit the appetite include: Musical performers (bands, solo acts, DJs) Children’s entertainers (clowns, face painters, balloon artists) Interactive artists (caricature artists, psychics, magicians) Small theater companies and local productions Singing or novelty telegram services and themed party entertainers This program is not intended for large-scale productions, national touring acts, venues with professional rigging/amusement rides, or operations that require specialized excess-placement for complex theatrical stunts or large crowd management. Coverage Highlights and Advantages Commercial General Liability (CGL): Primary limits available up to $3,000,000 Occurrence / Aggregate Included coverages: Sexual/Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (higher limits available on request) Medical Payments – $5,000 Blanket Additional Insured endorsement (useful for venues and event hosts) Excess / Umbrella capacity up to $25,000,000 through partner carriers No liability deductible required Property and Business Property Options: Basic, Broad, or Special Form wording available Coverage for Building, Contents, Computer Equipment, and Business Income Equipment Breakdown and Inland Marine for portable gear Outside Signs, Valuable Papers, Accounts Receivable, and Theatrical Property options Replacement Cost or Actual Cash Value valuations Crime and Miscellaneous Coverages: Inside-the-Premises theft of money and securities Inside-the-Premises robbery or safe burglary of other property Outside-the-Premises coverage for money and property in transit Underwriting Notes and Minimum Premiums Colonial General leverages multiple markets to accommodate a variety of underwriting approaches. Underwriting review is required for all submissions to ensure proper placement and rating. While minimum premiums vary by carrier and risk profile, the program is structured to be accessible to small entertainment businesses. Liability coverage typically carries no deductible, and higher abuse/assault limits can be requested and considered by underwriting. Territories and Availability This Entertainment Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Depending on the carrier and the insured’s profile, coverage may be written on an admitted or non-admitted basis. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General offers targeted expertise in niche commercial exposures such as local entertainment. The MGA provides access to multiple admitted and E&S carriers, experienced underwriting that understands performance-based risks, and flexible policy forms for property, liability, and crime exposures. Colonial General is positioned to help agents place hard-to-fit or small-scale entertainment accounts quickly and efficiently. Example Accounts That Fit This Program You may have a client who runs a two-person acoustic band performing at weddings and local festivals — they need GL, equipment inland marine, and optional abuse coverage for performers working with children. An agency could place a children’s party entertainer who travels to private homes with face-painting supplies and portable props — the program supports property coverage for supplies and medical payments for minor injuries. Frequently Asked Questions What types of accounts are a good fit for this program?Local and regional entertainers such as DJs, clowns, bands, face painters, caricature artists, and small theater productions are a good fit. Is coverage available on an admitted basis?Some markets within the program offer admitted placements; others may be non-admitted depending on the state and risk characteristics. Can you get higher abuse limits?Yes. Higher limits for sexual/physical abuse coverage are available upon request and are subject to underwriting approval. Which states do you write in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you require a deductible for liability?No. Liability coverage under this Entertainment program typically does not require a deductible. Need help placing an account? Connect with a market specialist.