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Becoming a homeowner is a major milestone—and often one of the largest financial investments your clients will make. At Pacific Coast E&S Insurance Services, we specialize in placing homeowners risks that fall outside the standard market. Our Homeowners Insurance program is built for hard-to-place accounts and provides flexible solutions when traditional carriers decline or limit coverage. Overview of the Program From Pacific Coast E&S As a wholesale broker serving the West Coast, Pacific Coast E&S places residential property risks with both admitted and non-admitted carriers, depending on state and risk profile. We focus on pragmatic underwriting and fast placement for accounts with unique exposures—older homes, properties under renovation, vacant dwellings, and other non-standard situations. Ideal Accounts and Appetite This program is designed for agents and brokers who need a market for challenging homeowners risks. Target classes include: • Prior declinations or policy cancellations • Older homes without modern system updates (plumbing, wiring, roof) • High-value homes requiring specialized limits or endorsements • Clients with prior losses, lapses, or a history of non-payment • Vacant dwellings awaiting sale or occupancy • New purchases with no prior insurance history • Homes undergoing major renovations or construction Example fits: you might have a buyer who purchased a 1920s-era home with original plumbing and limited prior coverage, or a client renovating a recently acquired property that will be unoccupied during the remodel—both are the types of risks this program can consider. Coverage Highlights and Advantages We place broad homeowners coverage adapted to non-standard risks. Common features include: • Loss assessment coverage • Personal property coverage with optional scheduled items • Comprehensive personal liability limits and defense coverage • Water back-up and sump overflow options • Policy forms offered: HO-3, HO-4, HO-6, and HO-8 Underwriters can tailor endorsements and limits when needed to address specific exposures your insureds face. Underwriting Notes and Minimum Premiums Each submission is reviewed on its own merits. Underwriting focuses on property condition, occupancy, renovation status, loss history, and risk controls. Minimum premium requirements vary by carrier and state; we work to identify viable options for tough-to-place accounts while balancing carrier guidelines. Note: Some products may be handled nationally from a central location. Territories and Availability This homeowners program is available in California, Oregon, and Washington. We leverage admitted markets where appropriate and non-admitted capacity where admitted markets are not available or limits/terms require more flexibility. Why Work With Pacific Coast E&S? Pacific Coast E&S brings West Coast market expertise and access to surplus lines and admitted carriers that standard markets often don’t provide. Our underwriting partners understand renovation, vacancy, and older construction exposures, and our team prioritizes responsive communication and efficient placement for personal lines brokers. Ready to place a difficult homeowners risk? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Homeowners Insurance program?This program is ideal for older homes, vacant properties, high-value homes, and clients with prior losses, lapses, or no prior insurance. Is this program available for homes under renovation?Yes. We can consider homes undergoing extensive renovations when underwriting guidelines are met and the renovation plan, timeframe, and risk controls are documented. Are admitted markets available through this program?Yes. Admitted markets are used in some situations depending on the state and the specific risk profile; non-admitted capacity is available where admitted options are limited. Which states is this program currently offered in?This homeowners program is currently offered in California, Oregon, and Washington. Can I submit accounts with prior declinations?Yes. Prior declinations are among the target classes for this program; submit the full loss history and any risk improvements to help underwriting evaluate the account. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a focused Mineral Milling Workers Compensation Insurance program tailored for employers who operate mineral milling facilities. We understand that costs can be significant and exposures vary with operation size and staffing — from management and runners to hands-on operators. This program is built to address those industry-specific risks with disciplined underwriting and broad market access. This program is underwritten through experienced partners familiar with mineral milling exposures. Novatae Risk Group and our underwriting partners perform detailed, risk-focused evaluations so you can place Workers Compensation coverage with confidence across a number of "A" rated carriers. To discuss a Mineral Milling Workers Compensation submission, please call 800-758-8113 or email [email protected] for immediate assistance from an underwriter. Program Features: Only $7,500 Minimum Premium Program Highlights: 10% commission Fast turnaround for quotes with completed application Coverage available in over 20 states Submissions: Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Ideal Accounts and Appetite This program targets mineral milling operations with established safety programs and routine maintenance controls. Ideal accounts typically include small to mid-sized mills with predictable payrolls and clear classification of duties for management, runners, and operators. Accounts with significant subcontractor exposures, uncontrolled remote operations, or extremely high loss frequency may require additional underwriting review or alternative markets. Coverage Advantages Underwriting focused on mill-specific exposures rather than broad manufacturing categories Access to multiple A-rated carriers to achieve competitive terms Streamlined quoting when required submission documents are provided Underwriting Notes and Minimums Provide a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to obtain a timely quote. The program has a minimum premium of $7,500; higher minimums may apply in select states or for accounts with elevated exposures. Territories and Admitted Status Availability: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. Admitted status: All Available Markets. Coverage availability and placement options vary by state; contact underwriting for specifics. Why Place Mineral Milling Business with Novatae Risk Group Novatae Risk Group provides agents with a specialized placement option for mineral milling Workers Compensation risks, combining industry-aware underwriting, carrier access, and prompt service. You get a dedicated underwriting partner who understands mill exposures and can help structure terms that match your client’s operations. Example account: You might have a regional mineral mill with 25 employees — a plant manager, shift supervisors, several operators, and material handlers — with three years of stable loss history and a documented safety program. This program is positioned to provide competitive Workers Compensation terms for that profile. Do you need a Workers Compensation Quote for your Mineral Milling client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of mineral milling accounts are a good fit for this program?Good-fit accounts are small to mid-sized mills with clearly defined roles (management, runners, operators), documented safety and maintenance programs, and three years of loss history. High-frequency loss accounts or uncontrolled subcontractor exposures may need additional review. What documents are required to get a fast quote?Submit a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to help underwriting provide a timely quote. Is the program available in my state?The program is available in the listed states. Coverage options and admitted vs. non-admitted placement depend on state rules and the specific account; contact underwriting for state-specific details. What is the minimum premium and how does it affect small accounts?The program minimum premium is $7,500. Smaller accounts below that threshold may need alternative placement or consolidation strategies to meet the program minimums. How quickly can I expect a quote after submission?When you provide the required submission materials, the program emphasizes fast turnaround. Timelines vary by complexity, but complete submissions receive priority handling from underwriting. Need help placing an account? Connect with a market specialist.

Policy Highlights for Long Term Care Facilities Insurance: Colonial General Insurance Agency, Inc. offers a competitive, flexible Long Term Care Facilities Insurance program tailored for independent living and assisted living facilities. With a widened underwriting appetite and reduced base rates, this program helps agents and brokers place more long-term care risks — including newer facilities and accounts with more complex exposures — using solutions designed for this niche. Ideal Accounts and Appetite This program is well-suited for: Assisted living facilities Independent living communities Small to medium-sized long-term care operations Preferred accounts are those that emphasize resident safety, maintain clean loss histories, and demonstrate strong management and risk-control practices. Facilities with documented risk management programs and locations in favorable legal venues may qualify for favorable credits and broader terms. Example: You might have a client operating a 40-unit assisted living facility in Utah with no major claims in the past five years — that profile typically fits well with this program given the updated coverages and lower base rates. Coverage Highlights and Advantages Colonial General’s Long Term Care Facilities Insurance program delivers broad liability solutions and expanded options for assisted and independent living operations. Key features include: For assisted and independent living: Lower base rates designed to increase placement opportunities Removal of the assault and battery exclusion where allowable Occurrence-form coverage available for independent living facilities Medical payments for non-residents with $2,500 and $10,000 limit options Broadened coverages and options: Higher limits for sexual abuse and molestation exposures Punitive damages coverage where legally permitted Split liability limits to better manage complex exposures Defense costs outside the limits of liability Communicable disease coverage Expanded territory options and credits for preferred venues Underwriting Notes and Minimum Premiums The program is accessible through both admitted and non-admitted markets depending on the state and account characteristics. Colonial General partners with multiple carriers to align the risk with the most appropriate market. Minimum premium thresholds vary by carrier and jurisdiction; the program’s reduced base rates make it practical for a wide range of account sizes. Territories and Availability Coverage is available for risks located 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 combines deep market access with focused underwriting expertise for the long-term care sector. They support independent agents and brokers by placing business other markets may decline and by offering responsive service, flexible terms, and an expanded appetite for assisted and independent living risks. To learn more about this program or explore additional markets, visit Colonial General Insurance Agency, Inc.. Frequently Asked Questions What types of accounts are a good fit for this program?Assisted living and independent living facilities with clean loss histories, documented risk controls, and strong management practices are the best fits for this program. Are both admitted and non-admitted options available?Yes. Colonial General places accounts in admitted and non-admitted markets depending on the state and the specific characteristics of the risk. Is occurrence form coverage available?Yes. Occurrence-form coverage is available for independent living facilities under this program, subject to underwriting. Does the policy include coverage for communicable diseases?Yes. Communicable disease coverage is part of the program to help facilities manage that exposure where offered by the underlying carrier. In which states is this program available?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: As a lunch wagon or food truck owner, your vehicle is more than transportation—it is the core of the business. Colonial General Insurance Agency, Inc. offers a Lunch Wagon Insurance program to help agents place coverage for mobile food vendors operating across the western U.S. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of admitted and non-admitted carriers. This Lunch Wagon Insurance program is designed for independent agents and brokers who need flexible, market-access solutions for mobile food-service clients. Whether your client runs a single lunch wagon or a small fleet of food trucks, the program provides targeted coverages and underwriting support tailored to the industry’s exposures. Ideal Accounts and Appetite This program targets mobile food vendors, including: Lunch wagons Food trucks and concession trailers Mobile kitchen vehicles with permanently mounted equipment We prefer operators with permanently mounted cooking or refrigeration equipment and those working regionally (up to a 500-mile radius). The program considers both start-ups and established businesses; underwriting evaluates experience, vehicle condition, and operations when determining eligibility. Coverage Highlights and Advantages Key features agents can offer through this program include: Physical damage coverage for the vehicle and permanently mounted equipment (stoves, grills, refrigeration, etc.). Liability limits up to $1,000,000 CSL to satisfy contract and municipal requirements. Deductible flexibility with options typically from $500 to $5,000 to match client budgets. Radius options—coverage available for operations up to 500 miles for regional vendors. Cargo and spoilage protection—limits up to $100,000 including refrigerator breakdown coverage for perishable inventory. Underwriting Notes Underwriting considers vehicle type, age and condition, permanently installed equipment value, radius of operation, loss experience, and operator experience. Colonial General leverages multiple markets to place risks that may be difficult to write in standard markets. Minimum premiums and admitted availability vary by state and specific risk characteristics. Territories and Availability The Lunch Wagon Insurance program is available to agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are admitted in select states; other placements may be written non-admitted depending on the risk profile and state rules. Why Work With Colonial General? With decades of specialty risk experience and a regional focus, Colonial General provides access to niche markets and responsive underwriting. Agents benefit from our knowledge of mobile food exposures, our ability to place hard-to-write risks, and timely support to secure coverage that fits contractual or municipal requirements. Our team helps you match appropriate limits, deductibles, and ancillary coverages to each client’s operation. Frequently Asked Questions What types of accounts are a good fit for this program?Mobile food vendors such as lunch wagons, food trucks, and mobile kitchen vehicles with permanently mounted equipment are ideal for this program. Can new businesses or startups qualify for coverage?Yes. Start-ups may be considered; underwriting reviews operator experience, vehicle condition, equipment, and operational details. What is the maximum radius of operation allowed?The program offers radius options up to 500 miles to accommodate most regional food truck businesses. Is refrigerator breakdown covered under the cargo limit?Yes. Refrigerator breakdown protection is available under the cargo/spoilage coverage, with limits that can go up to $100,000 depending on the account. Which states is this program available in?The Lunch Wagon Insurance 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 Martial Arts Studio Insurance: Colonial General Insurance Agency, Inc. offers a specialized insurance program tailored for martial arts studios, including those offering training in boxing and wrestling (amateur only). Whether your client operates a small neighborhood dojo or a multi-discipline martial arts center, this program provides flexible coverage options designed to meet the unique risks associated with martial arts instruction and operations. Coverage is available on a monoline or package basis, allowing you to customize policies to fit your client’s specific needs. Ideal Accounts and Appetite This program is ideal for amateur-level martial arts training facilities, including those offering: Traditional martial arts (e.g., karate, taekwondo, judo) Boxing and wrestling classes (amateur only) Mixed martial arts schools with a focus on amateur instruction Self-defense and fitness-based martial arts programs Typical clients include small to mid-sized studios with a focus on instruction, not professional competition. Facilities with clean loss histories and a commitment to student safety are preferred. Coverage Highlights and Advantages Commercial General Liability Primary Limits up to $3,000,000 Occurrence / Aggregate Hired and Non-owned Auto coverage Excess or Umbrella Limits available up to $25,000,000 Included Coverages: Errors and Omissions Coverage Part Sexual and Physical Abuse Coverage – $50,000 per claim / $100,000 aggregate Medical Payments – $5,000 Limit Additional Interests – Blanket basis No deductible required Property Coverage Building and Business Personal Property Business Income and Extra Expense Computer Equipment Equipment Breakdown Outside Signs Accounts Receivable Valuable Papers Replacement Cost or Actual Cash Value (ACV) Basic, Broad, or Special Form 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 This program is available through various carriers, and Colonial General can tailor solutions based on individual account characteristics. While there is no published minimum premium, submissions should include complete applications and detailed risk information to ensure accurate quoting. The program is designed for amateur-level operations only — professional fighting schools or facilities hosting sanctioned competitions are not eligible. Territories and Availability Colonial General’s Martial Arts 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) Some markets may be admitted depending on the state and specific exposure type. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. brings deep expertise and market access tailored to niche classes like martial arts facilities. Their underwriting team understands the unique exposures of training studios and offers responsive service, competitive pricing, and flexible coverage structures. Whether you're working with a startup dojo or an established multi-location studio, Colonial General offers solutions to help you protect your client’s business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for amateur-level martial arts studios, including those offering boxing, wrestling, karate, and self-defense training. Competitive or professional-level operations are not eligible. Is coverage available for both liability and property?Yes, coverage is available on a monoline or package basis and includes general liability, property, and crime coverage options. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are there any coverage limits for abuse or misconduct claims?Yes, Sexual and Physical Abuse coverage is included with a $50,000 per claim and $100,000 aggregate limit. Is there a deductible for liability coverage?No, there is no deductible required for the general liability portion of this program. Need help placing an account? Connect with a market specialist.

Program Highlights for Mobile Home Insurance: Are you having trouble placing mobile home risks that other markets decline? Colonial General Insurance Agency, Inc. offers a flexible Mobile Home Insurance program designed for hard-to-place and non-standard mobile home exposures. The program provides multiple coverage options, access to admitted and surplus solutions through partnering carriers, and underwriting flexibility so you can place accounts other markets turn away. Ideal Accounts and Appetite This program handles both standard and non-standard mobile home risks. Colonial General underwrites a broad spectrum of accounts, including: Owner-occupied mobile homes (primary or seasonal/secondary residences) Tenant-occupied mobile homes Mobile homes used for commercial purposes (coverage limited—no contents or liability for commercial use) Older mobile homes and vintage units Risks with prior losses or claim history Properties in unprotected or rural locations Examples of suitable accounts: a 30-year-old mobile home in a rural county where admitted markets declined, or a tenant-occupied unit with a single prior loss that needs a practical placement. If you need options for a difficult risk, this program is built to consider those submissions. Coverage Highlights and Advantages Colonial General works with multiple carriers to let you tailor coverage to the insured’s needs. Common options include: Comprehensive (all-risk) or Named Perils property coverage Premises liability for owner-occupied dwellings Vendor’s Single Interest (VSI) for lienholders Flood coverage where offered (state- and carrier-dependent) Trip collision coverage for mobile homes while in transit These options help you structure policies for clients who have limited placement alternatives, while balancing price and risk transfer needs. Underwriting Notes and Minimum Premiums Underwriting guidelines vary by carrier and state. Colonial General specializes in accounts other markets shy away from, but expect underwriters to review age/condition, prior losses, occupancy, and protection class. Minimum premium levels are carrier-specific—connect with Colonial General’s underwriting team for state-specific thresholds and submission requirements. Territories and Availability The Mobile Home Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage features such as flood may not be available in every state—availability and rating differ by carrier and location. Why Work With Colonial General? Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with a specialty focus on hard-to-place personal lines. They work with multiple admitted and non-admitted markets to provide flexible solutions and responsive service. Their strengths for agents include: Willingness to consider older units, prior-loss accounts, and rural locations Access to several carriers so you can pursue both admitted and E&S options A specialty underwriting team experienced in mobile-home exposures Practical endorsements (VSI, trip collision) to protect lender and transport exposures For placement help or to discuss state-specific appetite, connect with a Colonial General market specialist. Frequently Asked Questions What types of accounts are a good fit for this Mobile Home program?Owner-occupied and tenant-occupied mobile homes, older units, homes with prior losses, and properties in unprotected or rural areas are all within the program’s appetite. Commercial-use mobile homes are considered with limited coverage (no contents or liability). Is flood coverage included in the policy?Flood coverage is available in some states but not uniformly. Availability depends on the carrier and state; discuss the specific location with Colonial General underwriters. Can I write business in multiple states through this program?Yes. The program accepts submissions in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage options and filings vary by state and carrier. What makes Colonial General different from other MGAs?Colonial General focuses on specialty personal lines and hard-to-place risks. They leverage relationships with multiple admitted and E&S carriers and emphasize underwriting flexibility and agent service to help you place challenging mobile home accounts. Are older mobile homes eligible for coverage?Yes. The program is designed to consider older mobile homes, including those with past losses or in remote areas, subject to carrier guidelines and underwriting review. Need help placing an account? Connect with a market specialist.