Search CompleteMarkets

...ether your clients are involved in coal mining, precious metal and mineral ext...rance program?We are a strong fit for coal, mineral, and aggregate mining oper...

...Fleets with up to 20 power units Coal haulers based in Virginia (excluding K...cally located or garaged in Virginia. Coal haulers are also eligible, excludin...

...streets or roads Truck brokers Coal haulers in Kentucky Trailer intercha...snow removal on roads, truck brokers, coal haulers in Kentucky, trailer interc...

Mining & Quarries Insurance Program from Van Wagoner Companies, Inc. Van Wagoner Companies, Inc. offers a specialized Mining & Quarries insurance program to help agents and brokers place coverage for clients in the mining, quarrying, and aggregate industries. Placed through Lloyds on a non-admitted basis, this program delivers tailored solutions for the common operational and third-party exposures found at surface quarries, pits, and material processing sites. Ideal accounts and appetite This program fits a range of mining and quarrying operations, including: Sand, gravel and aggregate pits Rock quarries and stone cutting operations Surface mining operations Material crushing, screening and processing facilities Contract mining and excavation services Preferred accounts have active written safety programs, documented equipment maintenance, and manageable loss histories. Accounts with highly unusual geological hazards, underground mining exposures, or ongoing large environmental claims may be a poor fit; discuss edge cases with underwriting. Coverage highlights and advantages The Mining & Quarries program bundles key protections specific to this class of business: Property: Buildings, stockpiles, processing equipment and on-site structures General Liability: Third-party bodily injury and property damage arising from operations Package policies: Streamlined placements that combine multiple lines for efficiency Equipment coverage: Mobile equipment, tools and dedicated operational machinery Packaging coverages helps reduce gaps and speeds bind authority for eligible risks. Underwriting notes and submission requirements This is a Lloyds non-admitted program. Underwriting evaluates operational controls, condition and age of heavy equipment, site plans, and loss history. To help secure competitive terms, include the following with any submission: Current loss runs (typically 3–5 years) Written safety and training programs Equipment lists with values and maintenance records Description of operations, annual tonnage/throughput, and any subcontracting arrangements Minimum premiums and specific terms vary by risk profile and state. Van Wagoner's underwriting team will review submissions quickly and advise on available options and any restrictions. Territories and availability The program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WV, WI, and WY. Availability and terms may vary by state—contact Van Wagoner for state-specific guidance. Why place mining and quarry business with Van Wagoner Companies, Inc.? Van Wagoner brings focused industry knowledge and direct access to Lloyds capacity for complex aggregate and surface mining risks. Agents benefit from: Specialized underwriting that understands heavy-equipment and site exposures Access to non-admitted capacity when admitted markets are limited Responsive service and collaborative submission reviews to accelerate placement Example scenarios You might have a regional aggregate supplier operating a sand and gravel pit that needs combined property, liability, and mobile equipment coverage. Or a contract excavation firm that needs package limits and equipment floater coverage for a fleet of loaders and crushers—both are the type of accounts this program is designed to handle. Frequently Asked Questions What types of accounts are a good fit for the Mining & Quarries program? This program is ideal for surface mining operations, rock quarries, sand and gravel pits, and material processing facilities. Accounts with documented safety procedures and well-maintained equipment are preferred. Is this program admitted or non-admitted? The Mining & Quarries program is written on a non-admitted basis through Lloyds. What coverages are available through this program? Available coverages include property, general liability, package policies, and equipment coverage tailored for mining and quarry operations. In which states is this program available? This program is available in most U.S. states, including AL, CA, TX, FL, NY, and many others. Refer to the full list in the program details for specific availability. What is needed to submit an account for underwriting? Submissions should include operational details, safety procedures, equipment lists, and prior loss history to support a thorough underwriting review. Need help placing an account? Connect with a market specialist.

...and resins Mining operations — coal, iron, copper, potash and similar extr...

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.

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.

Policy Highlights: As the digital landscape continues to evolve, media professionals face a growing number of liability exposures related to content, data, and technology. Colonial General Insurance Agency, Inc. offers a specialized Media Professional Liability Insurance program designed to help agents and brokers place coverage for clients in media, technology, and digital communications industries. Overview of the Program From Colonial General Colonial General is a regional Managing General Agency and Excess & Surplus Lines Broker with deep experience in professional liability and technology-related exposures. Through access to multiple markets, including both admitted and non-admitted carriers (where available), Colonial General provides tailored solutions for media professionals who depend on electronic data and content to operate their businesses. This program is built to cover the unique risks in today’s content-driven economy, offering agents a reliable market for hard-to-place or emerging exposures. Ideal Accounts and Appetite This program is ideal for businesses involved in: Digital marketing and advertising firms Content creators and publishers Public relations and media consultants Web developers and tech startups Broadcasting companies and podcast producers You might have a client who runs a boutique digital marketing agency or a new media startup that produces video content across multiple platforms. These clients often face potential claims related to copyright infringement, defamation, or data breaches—risks that this program is designed to address. Coverage Highlights and Advantages Colonial General’s Media Professional Liability Insurance offers broad protection, including: Network Liability – Covers third-party liability resulting from security failures or unauthorized access. Electronic Media Liability – Protection against defamation, copyright/trademark infringement, and other content-related risks. Technology Errors & Omissions – Covers losses due to mistakes or failures in service delivery. Business Income Loss – Includes dependent business income loss coverage for interruptions caused by third-party vendors. Restoration Costs – Helps cover the expense of restoring lost or damaged data. Public Relations and Investigative Expenses – Support for managing reputational damage and incident response. Extortion Threats – Coverage for handling cyber extortion or ransomware demands. Underwriting Notes and Minimum Premiums Colonial General works with a range of carrier partners, and underwriting guidelines may vary by class and size of business. While minimum premiums are not specified, submissions should include a solid risk profile and complete application details to ensure timely quoting. The program can accommodate both new ventures and established businesses, depending on the carrier fit. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted vs. non-admitted options may vary by state and risk class. Why Work With Colonial General Colonial General brings a high level of expertise in professional liability and cyber-related coverages, backed by strong market access and regional underwriting insight. Agents and brokers benefit from responsive service, knowledgeable staff, and the ability to place unique or emerging risks. Whether your client is a startup content creator or a growing tech PR agency, Colonial General can help you find the right protection for their evolving digital exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for media professionals such as digital marketers, content creators, web developers, and public relations consultants. Is this coverage available on an admitted basis?Admitted markets are available in some states, depending on the class of business and risk profile. Colonial General also offers access to non-admitted carriers where necessary. Can I submit new ventures for consideration?Yes, new ventures may be considered depending on the details of the operation and the carrier appetite. A complete application is recommended. What states is this program offered in?The Media Professional Liability program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What types of exposures does this coverage address?The coverage addresses risks such as network security failures, content-related liabilities, data restoration costs, income loss, and cyber extortion threats. Need help placing an account? Connect with a market specialist.

Policy Highlights for Medical Equipment Supply Stores Insurance: Colonial General Insurance Agency, Inc. provides targeted insurance solutions for medical equipment supply stores, including businesses that sell, rent, or lease home health care products and provide delivery or in-home setup. This program is built for agents and brokers who need flexible property, liability, and professional liability options for clients handling durable medical equipment (DME), oxygen supplies, mobility aids, hospital beds, and similar products. Ideal Accounts and Appetite The program focuses on small- to mid-sized operations whose primary business is retailing, renting, leasing, delivering, or servicing home medical equipment. Eligible account types commonly include: Medical equipment rental and leasing stores Home health equipment dealers and suppliers Retailers of oxygen tanks, hospital beds, wheelchairs, scooters, and related products Accounts that combine retail sales, delivery, installation, and ongoing service or maintenance are a particularly good fit. Typical fits include single-location dealers and multi-location independents with local delivery routes. Accounts that generally do not fit include large national distributors, heavy manufacturing operations, or businesses with significant on-site medical procedures. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $1,000,000 per occurrence / $3,000,000 aggregate $5,000 in medical payments—automatically included Errors & Omissions (E&O) available up to policy limits to address professional liability exposures from fitting, setup, or advice Excess/Umbrella limits accessible up to $25,000,000 No liability deductible required Optional additional insured endorsements available for $100 each Crime Theft of money and securities inside the premises Robbery and safe burglary coverage for other property Coverage can extend to certain incidents occurring away from the premises Property Available on Basic, Broad, or Special Form Building, contents, inventory, and computer equipment Business income and equipment breakdown coverage options Accounts receivable and valuable papers Outdoor signs and replacement cost options Underwriting Notes and Minimum Premiums Policies can be written mono-line or as packaged programs so you can tailor limits and coverages to the account. Colonial General underwrites these risks through multiple carrier partners; appetite and terms vary by carrier and state. While minimum premiums differ by market and risk characteristics, this program is positioned to be competitive for common small-business profiles. Territories and Availability This program is available in the Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General places business in both admitted and non-admitted markets depending on the state and the client’s risk profile — admitted options are available in some states, with excess & surplus solutions used where appropriate. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple markets. Their team understands exposures common to medical equipment suppliers—product and premises liability, professional liability from medical device setup, property exposures from inventory and oxygen tanks, and business interruption—so you can place accounts efficiently with terms that reflect the risk. Examples you might place through this program: A single-location DME dealer that rents hospital beds and provides same-day delivery and setup for local customers. An independent retailer that sells oxygen supplies and offers routine maintenance and in-home equipment checks across several nearby counties. Whether your client is a storefront operator with delivery routes or a multi-location supplier, Colonial General offers underwriting flexibility and market access to help you secure appropriate coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Businesses that rent, sell, or lease home medical equipment—such as wheelchairs, oxygen machines, or hospital beds—are ideal candidates. Accounts that combine retail operations with delivery, installation, or servicing are especially well-suited. Is Errors and Omissions (E&O) coverage included?E&O coverage is available as part of the program and can be written up to the policy limits to address professional liability exposures from product setup, fitting, or advice. Are mono-line or package policies available?Yes. Colonial General offers the flexibility to bind mono-line property or liability policies or combine coverages into a tailored package to meet client needs. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted options depends on the state and the chosen carrier. What carrier options are available?Colonial General works with a variety of carriers and can place risks in admitted or excess & surplus markets depending on the account’s characteristics and the preferred placement strategy. Need help placing an account? Connect with a market specialist.

Policy Highlights: Medical laboratories and diagnostic testing centers provide essential information that clinicians depend on. Those operations face a mix of professional liability, bodily injury and property exposures—from reporting or analytic errors to sample contamination and equipment loss. Colonial General Insurance Agency, Inc. gives agents access to a targeted Medical Labs and Testing Centers Insurance program designed to protect labs, mobile collection services, and outpatient testing facilities against those core risks. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with deep experience placing niche healthcare risks across the Western U.S. Through our medical malpractice and allied healthcare markets, we help agents secure professional liability, general liability, and property coverage for diagnostic labs and testing centers. Whether your client is a small independent lab, a multi-site outpatient testing chain, or a mobile phlebotomy operation, our markets and underwriting team focus on efficient placement and tailored terms. Ideal Accounts and Appetite This program is designed for agents placing accounts such as: Independent diagnostic laboratories (blood, toxicology, genetics, pathology) Outpatient medical testing centers and specimen collection facilities Mobile phlebotomy and sample-collection services Non-emergency, non-experimental testing operations Accounts with current lab certifications, clean claims histories, and documented quality controls typically fit best. Labs performing high-risk, experimental, or investigational testing may require additional underwriting review or may be declined. Coverage Highlights and Advantages Medical malpractice and professional liability coverage written with lab-specific exposures in mind General liability and property coverage options to protect premises and equipment Coverage considerations for bodily injury or patient harm arising from testing errors, mislabeling, or sample contamination Access to both admitted and non-admitted markets depending on state and account characteristics Flexible underwriting to accommodate a range of specialties and risk control programs Markets available through Colonial General understand laboratory workflows and offer competitive terms for well-documented, compliant operations. Underwriting Notes and Minimum Premiums Underwriting focuses on the services performed, testing volume, certification and accreditation status, staff qualifications, documentation of quality assurance procedures, and loss history. Be prepared to provide a list of services, copy of lab certifications (e.g., CLIA or state equivalents where applicable), recent loss runs, and annual revenue to speed quoting. Minimum premiums are determined on a case-by-case basis and will vary by carrier and state. Our underwriters work with agents to identify the most appropriate market based on the risk profile and desired coverage structure. Territories and Availability This program is available to licensed agents and brokers placing business in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some admitted markets are available depending on jurisdiction and account characteristics; non-admitted options can broaden capacity for harder-to-place risks. Why Work With Colonial General? Colonial General brings decades of specialty experience in the Western U.S. wholesale market. We combine direct access to medical malpractice and allied healthcare carriers with a practical understanding of lab operations and regulatory expectations. Our underwriting team delivers fast responses, practical risk guidance, and placement options across admitted and excess & surplus markets. Examples you may see as an agent: A small independent blood-testing lab seeking medical professional liability and general liability coverage after expanding into genetic screening. A regional mobile phlebotomy provider looking for E&S capacity to cover multi-state sample collection operations and third-party specimen transport. These are representative scenarios—each account is evaluated on its own merits. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for independent diagnostic labs, mobile testing units, and outpatient testing facilities that perform non-invasive, routine medical testing and maintain required certifications. Is professional liability included in the coverage?Yes. Medical malpractice and professional liability tailored to laboratory and testing exposures are core components of the program. Are both admitted and non-admitted options available?Yes. Colonial General can access both admitted and non-admitted carriers depending on the state of placement and the account’s characteristics. What information is needed to get a quote?Provide services offered, lab certifications, recent loss history, annual revenue, number of locations, and any written quality-control procedures to help us quote quickly and accurately. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.