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Policy Highlights: Colonial General Insurance Agency, Inc. offers an Architects and Engineers Insurance program designed for architectural, engineering and design firms that need a focused professional liability solution. Our program combines access to admitted and surplus (E&S) markets with targeted underwriting expertise so you can place accounts with unusual exposures, mixed-discipline teams, or project-specific limits. Colonial General guarantees responsive service, technical support, and placement options across a range of carriers — coverage and premium will vary by market. Overview of the Program from Colonial General Our Architects and Engineers Insurance program provides professional liability (errors & omissions) coverage tailored to firms providing design, consulting, and engineering services. As a Managing General Agency and E&S broker, Colonial General works with multiple carriers to offer flexible limits, deductible options, and policy features suited to small design offices up to mid-sized multi-discipline firms. Ideal Accounts and Appetite Small to mid-size architectural or engineering firms (sole practitioners to firms with several dozen professionals). Disciplines we regularly place include: architectural, structural, civil, mechanical, electrical, landscape architecture, environmental consulting, and interior design. Project types: commercial tenant improvements, low- to mid-rise residential, municipal site design, utilities, and small industrial projects. We can consider mixed-discipline firms and firms with limited construction contract administration, provided risk management practices are in place. Generally not a fit: firms with large-scale construction management exposure, heavy-risk design-build projects without strong risk-transfer, or high-volatility operations without loss control. Coverage Highlights and Advantages Professional liability (E&O) coverage with multiple limits and deductible options. Access to admitted markets where available and excess & surplus options for harder-to-place risks (admitted status varies by state and carrier). Focus on practical underwriting and swift responsiveness to submissions and renewals. Value-added service: help with submission packaging, clarification of exposures, and placement strategy to secure favorable terms where possible. Underwriting Notes and Submission Requirements Underwriting decisions depend on firm size, revenue, project types, claims history, and risk management practices. Typical submission items we request include: Completed A&E application or firm résumé Five years of professional liability loss history (if applicable) Revenue by discipline and project examples Copies of standard client contracts and risk-transfer arrangements (if available) Minimum premiums, specific policy forms, and available endorsements vary by carrier. Please submit primary information so our team can identify the best market fit and advise on minimums or alternate placement strategies. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Because Colonial General places business in both admitted and surplus markets, availability and policy form will depend on the state and carrier appetite — some markets may only be available on a non-admitted basis. Why Work with Colonial General Specialized A&E focus: underwriting and placement experience specific to architects, engineers and design professionals. Multiple market access: ability to place accounts in admitted markets where available and E&S when needed. Hands-on support: guidance on submission preparation, coverage options, and renewal strategy to help retain clients. Example scenarios You have a five-person architectural firm with mixed residential and tenant improvement work and a clean loss history — we can pursue admitted carriers for competitive pricing and standard forms. You represent an engineering consultant that occasionally takes on municipal utility projects and has a prior claim — we can present to E&S appetite with tailored terms to address the exposure. Frequently Asked Questions What types of A&E accounts are the best fit for Colonial General’s program?Small to mid-size architectural and engineering firms with typical commercial, residential, municipal, and site development projects are the best fit. We also consider mixed-discipline firms and consultancies with established risk management practices. Extremely large design-build contractors or firms with high-risk operation profiles may require specialized markets. Do you place accounts on admitted policies or only E&S?We place business in both admitted and excess & surplus markets depending on the state and carrier appetite. Some risks will qualify for admitted placements; others are better suited to E&S. We’ll advise on the available options when we review the submission. What submission materials should I include to get a quick response?Provide a completed A&E application or firm résumé, revenue by discipline, descriptions of typical projects, and five years of loss history if available. Copies of client contracts or standard terms also help speed underwriting. How does Colonial General handle prior claims or loss history?We evaluate claims on a case-by-case basis. A clear narrative of the circumstances, corrective actions taken, and current risk controls improves placement chances. We have carrier relationships that consider prior claims where appropriate terms and pricing are offered. Need help placing an account? Connect with a market specialist.

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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.

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Cyber Security Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a Cyber Security Insurance program designed for agents and brokers who need competitive placement options for clients with growing cyber liability exposures. Through access to top-rated carriers and broad nationwide availability, the program can deliver both first- and third-party coverage options tailored to businesses of many sizes and industries. Ideal Accounts and Target Industries This program is appropriate for virtually any business that uses email, internet access, or stores electronic records containing sensitive customer or employee information. If your client relies on digital systems to run operations or transact with customers, they likely have cyber liability that merits coverage. Target classes include, but are not limited to: Professional service firms (legal, accounting, consulting) Retailers and e-commerce businesses Healthcare providers and medical offices Educational institutions Financial services firms Manufacturers with connected systems Example: You might have a mid-sized law firm that stores confidential client files electronically and communicates with clients by email. That type of account typically fits well because of the heightened ransomware and data-breach exposure. Coverage Highlights and Advantages Policies are designed to address a broad spectrum of digital threats and are available on an admitted or non-admitted basis depending on the state and carrier. First Party Protection Loss of Digital Assets coverage Non-physical Business Interruption and Extra Expense Cyber Extortion and Ransomware response Cyber Terrorism coverage Security Event response costs (forensics, notification, crisis management) Third Party Protection Network Security & Privacy Liability Employee Privacy Liability Electronic Media Liability Underwriting Notes Deductibles typically start at $2,500 and can be customized to match an insured’s tolerance and risk profile. Our underwriting team evaluates cyber controls, incident history, third-party service dependencies, and regulatory exposure to tailor terms and limits. The program is flexible and can accommodate small businesses seeking basic protection as well as larger organizations requiring layered or higher-limit solutions. Territories and Availability This Cyber Security Insurance program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Coverage may be offered on an admitted or non-admitted basis depending on jurisdiction and carrier appetite. Why Work with First Choice Insurance Intermediaries, Inc.? As a wholesale broker focused on niche and emerging risks, First Choice Insurance Intermediaries, Inc. gives agents and brokers access to responsive underwriting, a broad set of carrier options, and practical placement solutions. Our team understands how cyber threats are evolving and works to match exposures with appropriate policy language and incident response resources. Whether you need a standalone cyber policy or want to add cyber coverage to a package, First Choice can help you structure terms and find markets that meet the insured’s needs. Frequently Asked Questions What types of accounts are a good fit for this program?Businesses that use email, store customer or employee data, or rely on internet-connected systems are strong candidates. Typical fits include professional services, healthcare, retail/e-commerce, education, and financial services. Is this coverage available nationwide?The program is available in most states listed above, including major markets such as CA, TX, NY, and FL. Availability and whether a policy is admitted or non-admitted depend on the state and carrier. What are the deductible options?Deductibles start at $2,500 and can be adjusted based on the insured’s size, controls, and claim history. Can I get a quote for a small business?Yes. The program supports small and mid-sized risks as well as larger accounts. The underwriting team can suggest limits and endorsements appropriate to the client’s exposure. What makes First Choice a strong partner for cyber liability placements?First Choice provides experienced underwriters, access to competitive carriers, and a responsive placement process—helping you find solutions for routine and complex cyber exposures. Need help placing an account? Connect with a market specialist.