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...ogram provides protection against claims alleging negligence, errors, or omiss...erity, frequency, and nature of past claims before making a decision. In which...

...irm size, revenue, project types, claims history, and risk management practice...er relationships that consider prior claims where appropriate terms and pricin...

...ssues. Underwriting will evaluate claims history, staffing, resident mix and s...

...t or multiple severe sexual abuse claims, uncontrolled volunteers with unsuper...

...license status, practice setting, claims history, and procedures performed. Pr...rk settings, services performed, and claims history. Complete submissions help...

...res, good recordkeeping and clean claims histories. Practices outside the typi...actors underwriters evaluate include claims history, types of services offered...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Technical School Insurance Program designed for agents and brokers seeking comprehensive coverage solutions for private educational institutions. This program is an excellent fit for private elementary, middle, and high schools, as well as private technical, trade, and vocational schools that offer job-specific certification programs. Learning centers and tutoring operations are also eligible under this program. Ideal Accounts and Appetite This program targets educational institutions that provide hands-on or career-focused training, including cosmetology schools, HVAC and electrical trade schools, automotive training centers, and other technical or vocational programs. It is also a good fit for private K–12 schools and tutoring centers that require tailored property and liability protection. Accounts should have structured curriculums, appropriate safety protocols, and be privately operated. Public institutions and schools with high-risk training (e.g., heavy machinery or flight schools) may fall outside of appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence / Aggregate Teachers’ Errors & Omissions coverage included $5,000 Medical Payments—Included Sexual and Physical Abuse coverage—Included ($25,000 per claim / $50,000 aggregate) Excess or Umbrella limits available up to $25,000,000 No deductible required Property Coverage: Building and Contents Business Income and Extra Expense Accounts Receivable Electronic Data Processing Equipment Breakdown Food Spoilage and Outside Signs Valuable Papers Available on Basic, Broad, or Special Form Replacement Cost or Actual Cash Value options Crime Coverage: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Losses Outside the Premises Underwriting Notes and Minimum Premiums Colonial General underwrites through a variety of carriers and offers flexible solutions depending on the risk profile. While minimum premium requirements vary by market, they are competitive for technical and private school accounts. Submissions should include full details on curriculum, student population, staff, and facility safety measures. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary by coverage part and market. Why Work With Colonial General As a Managing General Agency and E&S broker, Colonial General Insurance Agency, Inc. brings deep expertise in niche education-related risks. Agents benefit from access to both admitted and non-admitted markets, responsive underwriting, and a partner that understands the unique exposures faced by private and technical schools. Whether you're placing a small tutoring center or a multi-location vocational training institute, Colonial General can help tailor coverage to fit your client's needs. Frequently Asked Questions What types of accounts are a good fit for this program?Private technical, trade, and vocational schools, as well as private K–12 schools, tutoring centers, and learning institutes offering job-specific certifications. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does this program include abuse and molestation coverage?Yes, the policy includes Sexual and Physical Abuse coverage with $25,000 per claim and $50,000 aggregate limits. What types of property coverage are included?Coverage includes buildings, contents, business income, equipment breakdown, electronic data, valuable papers, and more. Is this program available on an admitted basis?Some markets are admitted depending on the risk and location. Colonial General offers access to both admitted and non-admitted carriers. Need help placing an account? Connect with a market specialist.

Policy Highlights for Barber Shop Insurance: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Barber Shop Insurance program designed for independent insurance agents and brokers looking to place barber-related risks. Whether your client owns a single-chair barber shop or operates a full-service grooming business, this program provides tailored coverage options to help protect their property, operations, and liability exposures. Ideal Accounts and Appetite This program is an excellent fit for a wide range of grooming and personal care businesses, including: Traditional barber shops Independent barber operators Manicurists and nail technicians Masseuses and spa professionals Ear piercing and facial services Beauty makeover specialists Accounts with clean loss histories and professional operations are ideal candidates. The program also accommodates individual professionals working as independent contractors or within larger businesses. Coverage Highlights and Advantages Property Coverage Property insurance is available on a mono-line or package basis and includes options such as: Basic, Broad, or Special Form coverage Building and Contents coverage Business Income coverage Equipment Breakdown Computer Equipment Inland Marine Outside Signs Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value options General Liability Primary limits up to $3 million occurrence/aggregate Included Errors and Omissions coverage at policy limits Independent contractors included as additional insureds Hired and Non-Owned Auto liability Sexual and/or Physical Abuse coverage: $50,000 per claim/$100,000 aggregate (higher limits available) Medical Payments: $5,000 limit Excess or Umbrella limits available up to $25 million No deductible required Crime Coverage Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes Colonial General works with a variety of carriers to provide flexible options based on risk characteristics. While some admitted markets are available, availability may vary by state and account type. Submission requirements are streamlined for ease of quoting. Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep experience placing niche service business risks. They understand the unique exposures of barber shops and personal grooming professionals, and they provide tailored insurance solutions to help you serve your clients better. Their access to both admitted and non-admitted markets allows for flexibility in coverage design, while their regional focus ensures market familiarity and responsiveness. Whether you're working with a small-town barber or a multi-operator grooming salon, Colonial General can help you find the right fit for your client's insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for barber shops, independent barbers, manicurists, masseuses, and similar personal grooming professionals. Can individual operators be covered under this program?Yes, coverage is available for individual operators, including independent contractors, with options to include them as additional insureds. Is this program available on an admitted basis?Some admitted markets are available; availability depends on the specific account and state. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are higher limits available for abuse and molestation coverage?Yes, higher limits are available beyond the base $50,000 per claim/$100,000 aggregate limits upon request. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Exercise Studio Insurance program designed for a wide range of health and fitness businesses. This program provides comprehensive Property and Liability coverage on a mono-line or package basis, making it flexible and easy to tailor to your clients’ needs. Ideal risks include exercise equipment clubs, aerobic studios, weightlifting gyms, personal trainers, massage parlors, dance studios, and physical therapists. Childcare services offered on premises for club members are also covered. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary Limits available up to $3,000,000 per occurrence / aggregate Liquor Liability (where applicable) Hired and Non-Owned Auto coverage Excess or Umbrella Limits up to $25,000,000 Included Endorsements and Features: Medical Payments Coverage – $5,000 Limit Blanket Additional Insured Endorsement Club Members included as Additional Insureds Errors and Omissions Coverage – up to policy limits Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (optional higher limits available) No deductible required Loss Prevention Brochure provided Property Coverage Options: Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown and Food Spoilage Inland Marine and Valuable Papers Outside Signs Accounts Receivable Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) options Crime Coverage: Theft of Money and Securities – Inside the Premises Robbery or Safe Burglary of Other Property – Inside the Premises Theft and Robbery – Outside the Premises Ideal Accounts and Appetite This program is an excellent fit for small to mid-sized fitness-related businesses that require both liability and property protection. You can confidently place accounts such as: A suburban dance studio with part-time instructors and a modest inventory of sound equipment A boutique personal training gym offering massage services and member childcare A yoga or Pilates studio looking for Errors and Omissions and Abuse & Molestation coverage Businesses offering high-risk activities like rock climbing or martial arts may fall outside of appetite—check with underwriting for clarification. Underwriting Notes Colonial General works with a range of carriers (markets vary) and can access both admitted and non-admitted options depending on the account and state. No deductible is required for standard policies, and abuse coverage can be increased upon request. Minimum premiums may vary—contact underwriting for specifics on your client’s risk profile. Territories and Availability This Exercise Studio Insurance program is 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 offers deep experience in niche commercial programs. Their Exercise Studio Insurance program is structured to help agents efficiently place fitness and wellness business with tailored coverage options and competitive limits. From streamlined underwriting to value-added resources like loss prevention materials, Colonial General supports agents in delivering strong solutions for fitness-related risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include exercise studios, personal training gyms, dance studios, massage parlors, and physical therapy offices. Facilities that offer member childcare or wellness services are also eligible. Is childcare coverage included in the policy?Yes, coverage is available for childcare provided to club members while on the premises, subject to underwriting approval. Can I get Abuse and Molestation coverage with higher limits?Yes, the standard policy includes $25,000 per claim and $50,000 aggregate, but higher limits are available upon request. In which states is this program available?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available for General Liability?Primary limits up to $3,000,000 occurrence/aggregate are available, with excess or umbrella coverage up to $25,000,000. Need help placing an account? Connect with a market specialist.