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Policy Highlights for General Contractors Insurance: Colonial General Insurance Agency, Inc. offers tailored insurance solutions for residential general contractors engaged in new construction and remodeling. This program is designed for contractors who oversee or manage operations—performed by employees or by insured subcontractors. Whether you represent a custom home builder who coordinates multiple trades or a remodeler who manages specialty contractors, Colonial General provides markets and package options to help you place business with confidence. Ideal Accounts and Appetite This program fits residential general contractors who retain administrative or supervisory responsibility for projects, including: Custom home builders Residential remodelers and renovation contractors General contractors who coordinate insured subcontractors across multiple trades Colonial General looks for insureds who maintain control over job sites, use qualified and insured subcontractors, and have formal subcontractor agreements. Accounts with high uninsured subcontractor exposure, lax job-site controls, or poor risk management typically do not meet appetite. Coverage Highlights and Advantages Property Coverage: Basic, Broad, or Special form options Coverage for Building, Contents, Contractor’s Equipment, and miscellaneous property Business Income and Equipment Breakdown available Inland Marine offerings, including Valuable Papers and Computer Equipment Replacement Cost or Actual Cash Value settlement options General Liability: Primary limits available up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments included Blanket Additional Insured endorsement to cover subcontractor-related exposures Excess/Umbrella limits available up to $25,000,000 Typical minimum deductible of $1,000 Crime Coverage: Inside-the-premises theft of money and securities Robbery and safe burglary of other property Outside-the-premises coverage for funds in transit Underwriting Notes and Minimum Premiums Colonial General places accounts with a variety of admitted and non-admitted carriers depending on class and state. Underwriting focuses on contractor controls: documentation of subcontractor insurance, written subcontractor agreements, job-site supervision, and loss history. While minimum premiums vary by market and state, Colonial General aims to offer competitive pricing for well-managed risks. Territories and Availability This residential general contractors program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General's market access reflects regional underwriting knowledge for Western-state residential builders and remodelers. Why Work With Colonial General Insurance Agency, Inc.? As an MGA and Excess & Surplus Lines broker, Colonial General provides agents with responsive service, access to both admitted and E&S markets, and the ability to structure custom packages for residential general contractors. Their underwriters understand contractor workflows and subcontractor relationships, which helps when placing accounts with multiple trade exposure. Example accounts you might place through this program: A custom home builder in Colorado that manages framing, roofing, and finish trades and requires combined property and liability protection with an additional insured blanket. A Nevada remodeling contractor who coordinates insured electrical and plumbing subcontractors and needs contractor’s equipment and inland marine coverage while maintaining primary liability limits and an umbrella layer. Explore the full program at Colonial General's Residential General Contractors Insurance page or learn more about the company at their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include residential general contractors who supervise or manage new construction or remodeling projects and engage insured subcontractors with proper documentation. Is this program available for contractors working in commercial construction?No. This program is focused on residential general contractors; commercial accounts typically require different placement options. Are subcontractors covered under this policy?Subcontractors should carry their own insurance. This program supports insureds who supervise subcontractor work and offers Blanket Additional Insured endorsements to extend coverage where appropriate. What states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I get both property and liability coverage in one policy?Yes. Coverages are available on a monoline or package basis, so you can combine property, liability, inland marine, and crime coverages to match your client's exposures. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Auto Repair Shop Insurance program designed for independent agents and brokers placing automotive service and repair accounts. With access to both admitted and non-admitted markets, Colonial General combines underwriting flexibility with market access and hands-on support to help you place a wide range of shop operations. Overview of the Program From Colonial General When you place business with Colonial General, you’re working with underwriters who specialize in the automotive repair niche. The program is built for general auto service shops, collision and body shops, and specialty repair centers. Coverage and limits are structured to protect customer vehicles, shop property, and on-site operations for small independent garages up through mid-sized repair facilities. Ideal Accounts and Appetite This program is a strong fit for agents with clients such as: General auto repair and maintenance shops Brake and alignment specialists Muffler and exhaust repair shops Transmission and engine rebuilders Shops that install vehicle wraps (requires proper installer training) Facilities performing alternative fuel service and repair Colonial General will consider accounts with lift kits or suspension modifications provided the lift does not exceed 6 inches. Light-duty towing operations can be placed when supported by appropriate documentation and risk controls. Example placements you might submit: a single-location general repair shop with limited customer storage, or a mid-sized muffler/exhaust specialist with a small towing operation and in-transit exposures. Coverage Highlights and Advantages Key coverages available through this program include: Garage Liability limits up to $1,000,000 per accident $3,000,000 General Liability aggregate $5,000 Medical Payments Garage Keepers Coverage provided on a primary basis for specified causes of loss Dealers Physical Damage and Fire Legal Liability False Pretense Coverage Broadened Coverage endorsements In-Transit Coverage for towing operations Property coverage for buildings, tools, and equipment These features help your clients manage exposures related to customer vehicles in custody, third-party injury and property damage, equipment losses, and exposures created while towing or transporting customer vehicles. Underwriting Notes and Minimum Premiums Colonial General emphasizes quick, case-by-case underwriting and competitive pricing. While specific minimum premium figures are not published here, eligibility and final pricing depend on the operation’s class, loss history, limits requested, and any specialty exposures. Typical submission requirements include a completed application, current loss runs (if applicable), and documentation for specialty operations such as towing or alternative fuel work. Territories and Availability The program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted or surplus lines availability varies by state and account specifics; Colonial General can advise on the correct market placement. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents with access to multiple competitive markets and experienced underwriters focused on auto repair risks. Their strengths include niche underwriting expertise, flexible placement options (admitted and non-admitted), and responsive service to help you move accounts quickly. Whether you’re placing a simple single-location shop or a more complex account involving towing or specialty services, Colonial General can partner with you to find the appropriate coverage solution. For more information, visit the Colonial General company profile or go directly to the Auto Repair Shop Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?General auto repair shops, brake and alignment services, muffler shops, and light-duty towing operations are ideal. Specialty shops (for example, alternative fuel or vehicle wrap installers) may qualify when you provide supporting documentation and evidence of proper training or controls. Can shops with lift kits or modified suspensions be covered?Yes. Shops that install lift kits or perform suspension modifications can be considered provided the lift does not exceed 6 inches and the installation practices meet underwriting guidelines. Is this program available in my state?This program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted or surplus lines markets depends on the state and the account’s specifics. Does the program include Garage Keepers Coverage?Yes. Garage Keepers Coverage is available on a primary basis for specified causes of loss—confirm coverage form details during submission. What should I submit to get a quote?Provide a completed application, loss runs (if any), and supporting documents for specialty operations such as towing, alternative fuel services, or vehicle wraps. Colonial General can advise on any additional requirements during intake. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Alarm and Car Stereo Installation Insurance program built for professionals who install vehicle alarms, stereo and audio-visual systems, and related electronics. The program is designed for both fixed-site shops and mobile installers, addressing the specific liability and garage exposures that arise when technicians work on customer vehicles or transport them for service. Overview of the Program From Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents and brokers with access to broad garage-related liability markets and specialty programs. This Alarm and Car Stereo Installation program fills gaps left by standard general liability by combining garage liability, Garage Keepers protections, and optional property and physical damage coverages — useful for accounts handling high-value vehicles, aftermarket electronics, or mobile operations. Ideal Accounts and Appetite This program is best for contractors and businesses that focus on installation and service rather than manufacturing or wholesale distribution. Typical classes include: Automobile alarm and security system installers Car stereo, navigation and in-car audio-visual system installers Shops that perform aftermarket electronic upgrades and integrations Mobile installation and on-site service providers Preferred accounts have clear safety protocols, secure storage for customer vehicles and equipment, and a clean or manageable loss history. Accounts that primarily manufacture electronics, operate large-scale retail distribution, or present unusual garage exposures should be discussed with underwriters before submission. Coverage Highlights and Advantages Commercial Garage coverages available include: Aggregate liability capacity up to $3,000,000 Garage liability limits up to $1,000,000 per occurrence Medical payments coverage (example: $5,000 available) Garage Keepers coverage on a primary basis with specified causes of loss Fire legal liability and Dealers Physical Damage options False pretense coverage and broadened coverage endorsements In-transit coverage for towing and vehicle movement exposures Optional property coverage for business personal property and tools These features are intended to protect your insureds from exposures such as customer-vehicle damage during installation or test drives, theft of installed equipment, fire or vandalism at the premises, and liability arising from installation errors. Underwriting Notes and Minimum Premiums Colonial General works with multiple admitted and non-admitted carriers to match coverage to account complexity. Admitted options are available in select states, with E&S placements used where appropriate. Minimum premiums vary by carrier, state, and risk characteristics; accounts with documented safety programs, secure storage practices, and a favorable claims history will generally receive the most competitive terms. For higher-risk or larger accounts, expect additional underwriting requirements such as inventories, photos of premises and vehicles, and written procedures for mobile operations. Territories and Availability This program is currently offered in: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Admitted availability varies by state and carrier. Contact Colonial General to confirm admitted vs. non-admitted placement options for a specific submission. Why Work With Colonial General Colonial General specializes in garage and auto-related niche programs, giving agents access to underwriting expertise and markets that understand the unique risks of aftermarket electronics and mobile installers. Their capacity to place both admitted and non-admitted business, plus flexible coverages like Garage Keepers on a primary basis and in-transit protection, makes this program a practical option for accounts that are difficult to place in standard markets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a strong fit for businesses that install car alarms, stereos, navigation and other aftermarket electronics — including both fixed-location shops and mobile installation services. Is Garage Keepers Coverage included?Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss to protect customer vehicles while in the installer’s care, custody, and control. Are mobile installers eligible for coverage?Yes. Mobile installers are eligible and can be offered in-transit coverage for towing or vehicle movement exposures when applicable; underwriting will review mobile procedures and security controls. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted market availability varies by state and carrier. Can I access both admitted and non-admitted markets through Colonial General?Yes. Colonial General places business in both admitted and non-admitted markets depending on the state and specific account needs. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Employment Agencies Insurance program tailored for agencies that place individuals in temporary clerical or retail roles. This program is designed to address the unique exposures employment agencies face, delivering comprehensive protection through flexible coverage options. Whether you're placing administrative temps in office settings or retail staff in short-term positions, this program can help safeguard your clients' operations and assets. Ideal Accounts and Appetite This program is best suited for employment agencies that focus on short-term or temporary placements in clerical or retail assignments. It is not designed for agencies placing workers in industrial, construction, or healthcare roles. If you have clients who staff customer service representatives, data entry clerks, administrative assistants, or retail cashiers, this program may be a strong fit. Example: You might have a client who runs a small employment agency in Utah specializing in retail holiday staffing. With this program, you can offer them both liability and property protection under one streamlined package. Coverage Highlights and Advantages Commercial General Liability Coverage available: Primary limits up to $3,000,000 Occurrence/Aggregate Additional Interests available for $100 each $5,000 Medical Payments Coverage included Excess or Umbrella Limits up to $25,000,000 No deductible required Property Coverage available: Accounts Receivable Basic, Broad, or Special Form Building and Business Personal Property Business Income Computer Equipment Equipment Breakdown Outside Signs Replacement Cost or Actual Cash Value options Valuable Papers Crime Coverage available: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes and Minimum Premiums Coverage is available on a mono-line or package basis, depending on the client’s needs. There is no deductible required on the liability coverage, and flexible property form options allow for customization. Contact Colonial General directly for details on minimum premium thresholds and underwriting criteria. Territories and Availability This program is available to licensed agents and brokers in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets within this program are offered on an admitted basis, depending on the state and specific risk characteristics. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with deep experience in niche commercial programs. Their Employment Agencies Insurance program brings together robust coverages, competitive limit options, and flexible underwriting tailored to the staffing industry. With access to a variety of carriers and a commitment to responsive service, Colonial General is a valuable partner for placing your employment agency clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for employment agencies that place temporary workers in clerical or retail roles. It is not suitable for agencies placing industrial, medical, or construction workers. Is coverage available on an admitted basis?Some markets within this program are admitted, depending on the state and the specific risk. Contact Colonial General for details based on your client's location. Can I write both property and liability under this program?Yes, coverage is available on a mono-line or package basis, allowing you to offer both property and liability protection tailored to your client’s needs. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are there minimum premium requirements?Minimum premiums may apply depending on the coverage selected and the risk profile. Contact Colonial General for specific underwriting details. Need help placing an account? Connect with a market specialist.

...cover common freight equipment—dry vans, reefers, flatbeds, tankers—and many s...

Colonial General Insurance Agency, Inc. offers a targeted Pressure Cleaning Insurance program for agents and brokers placing mobile and on-site pressure washing and related surface-cleaning operations. This program is designed to cover commercial and residential pressure washing of sidewalks, driveways, building exteriors and interiors, mobile equipment cleaning, and off-site auto detailing. Sandblasting using abrasive materials is also considered, giving you a single program option for a broad set of exterior cleaning risks. Ideal Accounts and Appetite This program fits insureds who provide mobile, off-premises pressure cleaning and abrasive sandblasting services. Target classes include: Commercial and residential pressure washing contractors (mobile/on-site) Fleet and mobile equipment washing services Sandblasting operators using abrasive materials Cleaning services for building interiors and exteriors performed away from owned or leased premises Best-fit accounts typically have documented safety procedures, employee training, and clean loss runs. Operations performed from a permanent shop or with substantial on-site storage of equipment may need additional scrutiny — this program is focused on mobile and off-premises exposures. Coverage Highlights and Advantages Colonial General can provide mono-line or package solutions combining property and liability coverages. Key features include: Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage included Property Damage Extension (Care, Custody & Control) with limits up to $250,000 occurrence/aggregate $5,000 Medical Payments Excess or Umbrella limits available up to $25,000,000 Minimum $1,000 deductible on General Liability Crime Coverage: Inside the Premises — Theft of Money and Securities Inside the Premises — Robbery or Safe Burglary of Other Property Outside the Premises Property Coverage: Accounts Receivable, Buildings and Contents Basic, Broad, or Special Form options Business Income and Equipment Breakdown Computer Equipment, Contractor’s Equipment, Inland Marine Outside Signs, Valuable Papers; Replacement Cost or ACV available Underwriting Notes and Minimum Premiums General Liability carries a minimum $1,000 deductible. Minimum premium requirements vary by market and risk profile; Colonial General works with multiple admitted and non-admitted carriers to find the best placement. Favorable outcomes are most likely for accounts with written safety programs, documented employee training, regular equipment maintenance, and loss history that reflects controlled operations. Territories and Availability The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and excess & surplus (non-admitted) markets are used depending on the state, class code, and individual risk details. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General pairs niche underwriting expertise with access to a range of carriers. That combination helps you place specialty pressure cleaning and abrasive sandblasting accounts that might be difficult to place in standard markets. Colonial General focuses on practical underwriting — rewarding documented safety and loss control with broader capacity and flexible limits. Example placements: you might have a client who performs mobile building exterior washing for commercial properties and fleet detailing at customer sites, or a contractor who offers abrasive sandblasting for exterior restoration and pressure washing — both scenarios align with this program when safety protocols and loss history are acceptable. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include mobile pressure washing contractors, sandblasting services using abrasive material, and cleaning companies handling building exteriors, sidewalks, driveways, and autos away from owned premises. Is this program available for residential cleaning operations?Yes. Residential pressure washing of driveways, sidewalks, and home exteriors is eligible when operations are performed off-site and meet underwriting guidelines. Are sandblasting operations eligible for coverage?Yes. Sandblasting with abrasive materials is eligible under this program, but accounts are evaluated based on safety practices, containment procedures, and operational history. What is the minimum deductible for liability coverage?The program requires a minimum $1,000 deductible for General Liability coverage. Which states is this program available in?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

...cess Liability. Coverage can be customized based on the client’s needs. In whi...

...wing for responsive service and customized solutions. Some markets are admitte...