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Policy Highlights: Coal hauling is a specialized segment of th...rators or small fleets that transport coal regionally within a 500-mile radius...

...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...

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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.

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: Colonial General Insurance Agency, Inc. offers Accountants Professional Liability Insurance tailored to meet the needs of accounting professionals and firms of all sizes. Overview of the Program From Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, providing flexible solutions for accountants' professional liability exposures. This program is designed to help independent agents place coverage for accounting firms facing risks related to errors, omissions, or negligence in the performance of professional services. Whether your client is a sole practitioner or a mid-sized accounting firm, Colonial General can help you find the right fit. Ideal Accounts and Appetite This program is suited for a broad range of accounting professionals, including: Certified Public Accountants (CPAs) Bookkeepers and tax preparers Small to mid-sized accounting firms Firms providing audit, consulting, or advisory services Accounts with a clean loss history and a focus on traditional accounting services are typically a strong fit. Higher-risk exposures such as forensic accounting or investment advisory services may require additional underwriting. Coverage Highlights and Advantages Colonial General’s Accountants Professional Insurance program provides protection against claims alleging negligence, errors, or omissions in the delivery of professional accounting services. Key features include: Limits available starting at $100,000/$300,000 Various deductible options to suit different risk appetites First Dollar Defense available depending on carrier approval Claims Expense Outside the Limits may be offered based on carrier discretion Coverage terms and premiums will vary depending on the carrier and specific risk profile of the insured. Underwriting Notes and Minimum Premiums Each submission is underwritten based on the size, scope, and services of the accounting firm. Clean operations with clearly defined service offerings and low claims frequency are typically easier to place. While minimum premiums are not specified, competitive pricing is available for qualifying risks through Colonial General’s carrier network. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and jurisdiction. Why Work With Colonial General With deep expertise in professional liability and access to a variety of national and regional carriers, Colonial General provides agents with responsive service and flexible options for placing hard-to-place or niche accounting risks. Their team understands the unique exposures faced by today’s accounting professionals and works closely with agents to deliver tailored coverage solutions. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for CPAs, bookkeeping firms, tax preparers, and small to mid-sized accounting firms providing traditional accounting services. Are First Dollar Defense and Claims Expense Outside the Limits included?These features may be available depending on the carrier and underwriting review. Availability is determined on a case-by-case basis. Can this program cover firms with prior claims?Firms with prior claims may still be eligible, but underwriting will evaluate the severity, frequency, and nature of past claims before making a decision. In which states is this program available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What documentation is needed to submit an account?Typically, an application, firm brochure or website, and loss runs (if applicable) are required. Additional documents may be requested based on the submission. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Adoption and Foster Placement Insurance program that helps independent agents and brokers place tailored coverage for clients in the foster care and adoption space. Leveraging access to A.M. Best A+ rated carriers, Colonial General delivers comprehensive solutions through a streamlined underwriting workflow and focused human-services expertise. Overview of the Program From Colonial General This program addresses the liability, professional exposure, and operational risks commonly faced by foster care and adoption providers. Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, using carrier relationships to place accounts that may be difficult to place in standard markets. The program supports both individual licensed foster homes and agency-level operations with coverages sized to match each client’s services and footprint. Ideal Accounts and Appetite Colonial General targets the following account types: Private and nonprofit adoption agencies Foster care placement organizations Individual licensed foster homes Group homes and youth residential facilities (subject to underwriting) Programs involving high-risk youth, 24/7 care, intensive behavior-management programs, or significant prior losses are considered but typically require enhanced underwriting review and may be placed in non-admitted markets. Coverage Highlights and Advantages Agents can assemble a complete program of coverages to address common exposures faced by foster care and adoption providers: General Liability Professional Liability (Errors & Omissions) Directors & Officers (D&O) Employment Practices Liability Sexual Misconduct Liability Property and Auto Workers’ Compensation Umbrella Liability These coverages can be written for single-family foster homes up to multi-county agency operations, allowing you to tailor limits and endorsements to licensing and contractual requirements. Underwriting Notes and Minimum Premiums Each submission is individually underwritten. Pricing and eligibility are driven by factors such as the size of the operation, services provided, staff training and screening practices, background checks, physical plant conditions, and loss history. Colonial General works with agents to identify the appropriate admitted or E&S market for each account; a minimum premium is determined per submission and discussed during quoting. 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) Coverages may be placed on an admitted or non-admitted basis depending on state regulation and the profile of the risk. Why Work With Colonial General on This Business Colonial General combines regional market relationships, sector-specific underwriting experience, and access to A.M. Best A+ carriers to help you place challenging foster care and adoption accounts. Their team is accustomed to the documentation and licensing requirements common to human services providers and can guide agents through placement options, endorsements, and risk-mitigation suggestions. Example: You might have a nonprofit foster placement agency operating across several counties that needs combined general liability, professional liability, and D&O coverage to meet funder and licensing requirements. Colonial General can coordinate submissions across admitted and E&S markets to assemble a compliant package. Frequently Asked Questions What types of accounts are a good fit for this program? This program is best for private and nonprofit adoption agencies, foster placement organizations, and licensed individual foster homes operating in the Western U.S. Which states is this program available in? Coverage is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Are both admitted and non-admitted markets used? Yes. Colonial General will consider admitted placements where available and appropriate, and use E&S markets when a risk requires broader terms or when state markets are limited. Can small individual foster homes get coverage through this program? Yes. The program includes options tailored for individual licensed foster homes as well as larger agency operations, with limits and endorsements adjusted to the size and services of the home. What liability lines are commonly available? Common liability lines include General Liability, Professional Liability, D&O, Employment Practices, Sexual Misconduct Liability, and Umbrella coverage. Need help placing an account? Connect with a market specialist.

Policy Highlights: Adult Day Care Errors and Omissions Insurance from Colonial General Insurance Agency, Inc. If you're looking to place coverage for adult day care facilities, Colonial General Insurance Agency, Inc. offers a specialized program that provides robust protection for licensed operations offering social and non-medical services to adults. This program is designed to meet the unique exposures of these facilities and offers flexible underwriting to accommodate a variety of risks. Ideal Accounts and Appetite This program is tailored for licensed adult day care centers that provide supervised, structured care and activities for adults—especially seniors—who require assistance during the day. These facilities often support clients with varying levels of mobility, cognitive conditions, or chronic illness, but do not provide overnight care or skilled nursing services. Ideal risks include: Standalone adult day care centers Facilities affiliated with senior centers or community organizations Operations that offer transportation or meal services Facilities with a strong safety record, trained staff, and clear abuse prevention protocols are generally preferred. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis and includes a range of essential protections: Primary Liability Limits: Up to $3,000,000 Occurrence / Aggregate Medical Payments: $5,000 Limit Errors and Omissions Coverage: Included Sexual and Physical Abuse Coverage: Starting at $100,000 Per Claim / $300,000 Aggregate (higher limits available) Additional Interests: Automatically included No Deductible: Applies to included coverages Optional Add-Ons: Crime, Property, Hired & Non-Owned Auto coverage This comprehensive package helps protect your clients from common exposures such as professional liability, abuse allegations, and day-to-day operational risks. Underwriting Notes Colonial General works with a variety of carriers, offering both admitted and non-admitted solutions depending on market availability. Underwriting is flexible but focuses on licensed facilities with appropriate staffing and risk management protocols in place. While no minimum premium is specified, submissions should be complete to ensure efficient quoting. Territories and Availability This program is currently available to agents and brokers with 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? Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty markets. Their team understands the unique risks associated with adult day care facilities and provides access to multiple carriers to help you place even the most complex accounts. With streamlined underwriting, competitive coverage options, and responsive service, Colonial General is a reliable partner for brokers focused on the senior services space. Whether you're working with a small nonprofit facility or a growing regional operator, Colonial General can help you deliver tailored insurance solutions that meet your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed adult day care centers offering social and non-medical services to adults are the best fit. Facilities with strong risk management in place are preferred. Is Errors and Omissions coverage included in the base policy?Yes, Errors and Omissions coverage is included as part of the standard policy package. Can I write this coverage on a mono-line basis?Yes, Colonial General offers both mono-line and package options depending on your client's needs. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are higher limits available for Sexual and Physical Abuse coverage?Yes, higher limits are available beyond the base $100,000 per claim / $300,000 aggregate. Contact underwriting for options. Need help placing an account? Connect with a market specialist.

Policy Highlights for our Amusement Park program: Colonial General Insurance Agency, Inc. offers a comprehensive Amusement Park Insurance program designed to meet the unique risks faced by amusement parks and related operations. Whether you're placing a large permanent theme park or a smaller seasonal operation, our program provides flexible, broad coverage options that help protect your clients’ property, liability, and financial interests. Ideal Accounts and Appetite We are actively seeking accounts that include: Permanent and mobile amusement parks Theme parks and water parks Indoor entertainment facilities with amusement rides Operators of mechanical rides, inflatables, games, and concessions This program is a great fit for agents working with clients who operate year-round or seasonal parks in the western U.S., especially in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage Highlights and Advantages Property Coverage Available: Accounts Receivable Basic, Broad, or Special Form options Building and Business Personal Property Business Income Computer Equipment Equipment Breakdown Inland Marine Outside Signs Replacement Cost or Actual Cash Value (ACV) Valuable Papers Commercial General Liability Coverage: Primary Limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payments Coverage included Blanket Additional Insured Endorsement available Excess or Umbrella Limits up to $25,000,000 No deductible required Crime Coverage Options: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Losses Occurring Outside the Premises Underwriting Notes Coverage can be provided on a mono-line or package basis to meet the specific needs of your insureds. We work with a variety of carriers (admitted and non-admitted) to offer tailored solutions depending on the risk profile and location. Submissions should include detailed risk information and loss history when available. Minimum premiums may vary based on class and location; contact us for more information. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, and WY. Why Work With Colonial General Insurance Agency, Inc.? As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep market access and specialized underwriting knowledge to the amusement industry. We understand the complex risk exposures amusement parks face and work closely with agents to deliver responsive service, competitive solutions, and fast turnarounds. Whether you're working with a client launching a new family fun center or one expanding a long-standing park, we can help you find the right coverage structure. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amusement parks, indoor facilities with rides, mobile attractions, and operators of mechanical rides, inflatables, and games. Is this program available on an admitted or non-admitted basis?Some markets are admitted, while others are non-admitted, depending on the risk and location. We work with a variety of carriers to find the best fit. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I write mono-line policies through this program?Yes, both mono-line and package policies are available depending on the needs of your insured. What documentation is needed for a submission?We typically require a completed application, detailed risk information, and loss history to provide a quote. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a targeted Animal Services Insurance program for businesses that care for, board, groom, train or sell household pets. The program is designed for animal shelters, boarding and breeding kennels, pet stores, grooming salons, training facilities and similar pet service operations. Policies are available on a mono-line or package basis and can include property, general liability, crime, and optional excess/umbrella protection to fit the account's needs. Ideal Accounts and Appetite: This program fits small to mid-sized animal service businesses that have routine care, custody, and control exposures for household pets. Typical examples you can place with Colonial General include: • A grooming salon that also offers overnight boarding • A boutique pet store with an in-store daycare or play area • A regional animal shelter seeking combined property and liability protection Accounts involving exotic species, wildlife, or known aggressive/high-risk breeds may be considered only with additional underwriting review and subject to restrictions or exclusions. Commercial General Liability Coverage Available: • Primary limits available up to $3,000,000 Occurrence/Aggregate • Hired and Non-Owned Auto Liability available • Excess or Umbrella limits up to $25,000,000 Included Coverages: – Medical Payments Coverage—$5,000 limit – Additional Insured endorsements at no extra charge – Property Damage Extension (Care, Custody, and Control)—$500 Occurrence / $1,000 Aggregate (higher limits available upon request) – No deductible required for the listed liability extension (deductibles may apply on property or package forms) Crime Coverage Available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises (employee or third-party theft exposures) Property Coverage Available: • Building and Business Personal Property • Business Income and Extra Expense • Accounts Receivable and Valuable Papers • Care, Custody, and Control for animals in your insured's care • Computer Equipment and Equipment Breakdown • Inland Marine and Outdoor Signs • Basic, Broad, or Special Form; Replacement Cost or Actual Cash Value options Underwriting Notes: Colonial General places business with a mix of admitted and non-admitted markets depending on the risk profile and state. Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Minimum premiums and eligibility vary by class, limits, and coverages selected—refer submissions to underwriting for state-specific guidance and quoting. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General specializes in niche programs for hard-to-place accounts. Agents benefit from their access to multiple carrier partners, flexible underwriting, and regional expertise across the Mountain West and Southwest. Colonial's program is useful when you need tailored care, custody & control wording, higher limits, or E&S capacity that admitted markets may not offer. If you have a client with mixed operations (retail, grooming, and boarding) or an animal shelter with unique property and liability needs, Colonial provides options to help place the account. You might have a client who runs a combined grooming-and-boarding salon looking for liability limits above a typical market, or a non-profit shelter needing a property and liability package with CCC coverage — Colonial can often offer workable terms where standard markets cannot. Frequently Asked Questions What types of accounts are a good fit for this Animal Services Insurance program?Ideal accounts include pet groomers, boarding kennels, animal shelters, pet stores, and dog training facilities that primarily serve household pets. Is the program available for businesses in all states?No, this program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I offer just liability coverage without property?Yes. Both mono-line liability and package policies are available depending on the insured's needs. Are higher limits available for Care, Custody, and Control coverage?Yes. Higher CCC limits can be added upon request and subject to underwriting approval. Does the program accept accounts with exotic or aggressive animals?Exotic species, wildlife, and known aggressive breeds are reviewed case-by-case and typically require additional underwriting; some risks may be declined or offered only with exclusions. Need help placing an account? Connect with a market specialist.