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Contractors Equipment Coverage from Van Wagoner Companies, Inc. Van Wagoner Companies, Inc. provides a focused Contractors Equipment program designed to help independent agents and brokers place inland marine coverage for contractors’ mobile equipment and tools. The program is built to support a wide range of contractor clients — from small residential trades to large commercial subcontractors — with flexible options for scheduled and unscheduled equipment, leased units, and higher-value mobile gear. Ideal Accounts and Appetite This program targets contractors who rely on owned or leased equipment as a core part of their operations. Typical classes we write include: Custom Home Builders Carpenters and Framers Concrete and Masonry Contractors Drywall and Insulation Installers Landscaping and Lawn Care Services Heating and Air Conditioning Contractors Swimming Pool Contractors Tile, Carpet, and Flooring Installers Metal Erection and Welding Wrecking and Demolition We also offer a dedicated Mining Equipment appetite, written through markets that will consider high-value mobile gear such as loaders, excavators, and drilling rigs. Coverage Highlights and Advantages The program provides inland marine protection tailored to contractor equipment exposures. Key advantages include: Coverage for scheduled and unscheduled equipment and tools Options to include leased or rented equipment where appropriate Protection for losses from theft, fire, vandalism and many named perils Capacity for both single-piece high-value equipment and multi-unit fleets Access to specialty markets for complex or high-limit mining risks Example scenarios: You might have a regional concrete contractor with several backhoes and a compact fleet that needs a single policy for mobile equipment exposure. Or a landscaper with trailers, mowers and a few high-value attachments requiring scheduled limits and theft protection. Both are within the program’s typical appetite, subject to underwriting review. Underwriting Notes and Minimum Premiums Van Wagoner Companies operates as a Managing General Agency with established carrier relationships, including Lloyds and Markel International, to deliver flexible underwriting solutions. Appetite and terms depend on class of business, equipment values, security measures, and loss history. Minimum premiums may vary by class and state; our underwriting team will work with you to find the best placement for each submission. Territories and Availability Contractors Equipment and related inland marine solutions are available through Van Wagoner Companies in the following states: 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, WY. Mining Equipment coverage is available nationwide in all 50 states. Why Work With Van Wagoner Companies, Inc. As a specialized MGA, Van Wagoner Companies brings decades of experience placing niche commercial coverages for independent agents. Our team focuses on practical, market-ready solutions and responsive underwriting support. We pair local agent knowledge with access to stable specialty markets to help you secure timely, competitive terms for contractors’ equipment risks. If you have a contractor client with mobile equipment exposure — from a one-truck operator to a multi-equipment fleet or mining operation — our underwriting specialists can review submissions and identify the best market fit. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Contractors Equipment program?This program is ideal for contractors with mobile equipment needs, including builders, landscapers, HVAC techs, framers, and miners. Is coverage available for rented or leased equipment?Yes. The program can include options for leased or rented equipment subject to underwriting review and documentation. Can I place business for a contractor located outside the listed states?Contractors Equipment availability varies by state as listed above. However, Mining Equipment coverage is offered nationwide in all 50 states. Which carriers back this program?We work with Lloyds and Markel International to provide flexible options and market stability. Do you work with new ventures?Yes. New ventures are considered on a case-by-case basis depending on the class of business, equipment values, and the submission details.

...-premises. Policies can be customized to include protections for theft, f...

Policy Highlights: Trailer sales and repair operations carry distinct garage, inventory, and in-transit exposures that need specialized placement. Colonial General Insurance Agency, Inc. offers a tailored Trailer Sales and Repair Insurance program that helps agents and brokers place dealership, service, fabrication, and towing-related risks with market access across the western U.S. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with longstanding relationships across admitted and non-admitted markets. This Trailer Sales and Repair program is designed for businesses that sell, service, customize, or tow trailers. We work with a variety of carriers to match coverages to the account’s operations, risk profile, and state regulatory requirements. Ideal Accounts and Appetite This program is a good fit for independent agents placing: Trailer dealerships (new and used inventory) Trailer repair or service shops and mobile service providers Trailer customization, welding, or fabrication businesses Operations with incidental towing or customer pickup/delivery of trailers Not eligible: rental operations and businesses that provide rented storage space. Ineligible exposures typically include fleet rental programs, large-scale public storage operations, or businesses with significant rented-storage income. You might have a client who operates a rural trailer dealership with attached service bays and customer demos, or a repair shop that tows customer units — both are the type of accounts this program targets. Coverage Highlights and Advantages The program provides broad garage-related liability and property protections tailored for trailer dealers and repairers: Garage Liability: Limits up to $1,000,000 per accident with higher aggregate capacity available (up to $3,000,000 aggregate) Medical Payments: $5,000 standard Garage Keepers: Primary basis coverage with specified causes of loss Dealers Physical Damage: Coverage options for owned inventory and customer trailers False Pretense Coverage: Available to address theft-by-deception exposures Fire Legal Liability: Included Broadened Coverage Endorsements: Available to expand protection as needed In-Transit Coverage: For towing and delivery operations Optional Property Coverage: Buildings, contents, tools, and business income can be added Underwriting Notes and Minimum Premiums Colonial General performs case-by-case underwriting to determine market placement. Key considerations include location, operations (sales vs. service vs. fabrication), inventory values, tow/in-transit exposure, and loss history. There is no single published minimum premium; pricing will vary based on the account’s size and exposures and may sit in admitted or E&S markets depending on the state and details. Territories and Availability The program is available in the following western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some carriers are admitted in certain states while others are offered on a non-admitted basis; availability will be confirmed during submission and quote review. Why Work With Colonial General? Colonial General combines niche underwriting experience with access to multiple admitted and non-admitted markets, giving agents a responsive partner for placing trailer dealers and repair shops. Our team understands common loss drivers in this segment — inventory exposures, customer property risks, towing liability, and fabricated equipment — and can help structure coverages to reduce gaps and improve insurability. To start a submission or learn more about placement options, visit the Colonial General company page or the program page on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include trailer dealerships, repair shops, and service centers that do not provide trailer rentals or rented storage space. Is property coverage available in this program?Yes. You can add property coverage to protect buildings, business personal property, tools, inventory, and business income where available. Are towing and in-transit exposures covered?Yes. In-transit coverage for towing and delivery operations is included; limits and terms depend on the submission details. Can I place business in all 8 states listed?Yes. The program accepts submissions in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets will be admitted and others non-admitted depending on the state and risk. What is excluded from coverage?Rental operations and rented storage space are specifically excluded from this program. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Mobile Mechanics Insurance program tailored for mobile auto repair professionals—whether working full-time, part-time, or from a fixed location. This program is designed specifically for the unique exposures faced by mobile mechanics, helping you provide your clients with broad protection for their operations, tools, vehicles, and customer property. Ideal Accounts and Appetite This program is ideal for mobile mechanics operating independently or with a small crew, including those who: Perform repairs on-site at customer locations or homes Operate towing services or roadside assistance Provide light mechanical work from a garage or shop Handle customer vehicles under their care, custody, or control Whether your client is just starting out or has an established mobile operation, this program can accommodate a wide range of risk profiles. Accounts with a clear loss history and well-maintained operations are preferred. Coverage Highlights and Advantages Colonial General’s mobile mechanic program includes Commercial Garage Coverage tailored to the needs of auto service professionals: Garage Liability Limits up to $1,000,000 per accident $3,000,000 General Liability Aggregate $5,000 Medical Payments Garage Keepers Coverage on a primary basis with specified causes of loss Dealers Physical Damage False Pretense Coverage Fire Legal Liability In-Transit Coverage for towing operations Broadened Coverage for additional peace of mind Property Coverage available Roadside Assistance operations acceptable Coverage extends to both the mechanic’s own service vehicles and customers’ vehicles while in their possession, providing well-rounded protection for on-the-go operations. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer flexible underwriting solutions through both admitted and non-admitted markets, depending on the state and risk profile. A detailed application and operational overview will help determine the best fit for your client. While specific minimum premiums may vary by market and state, this program is designed to be accessible for small to mid-sized operations. Contact Colonial General for underwriting guidelines and eligibility criteria. Territories and Availability This Mobile Mechanics 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) Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche motor trade markets. Their longstanding relationships with a variety of carriers allow them to tailor coverage to meet the needs of non-standard and hard-to-place risks. You’ll benefit from responsive service, knowledgeable underwriters, and access to comprehensive coverage solutions for your mobile mechanic clients. Whether your client is a solo mobile mechanic offering roadside diagnostics or a multi-vehicle towing and repair operation, Colonial General can help you find the right fit. Place your next mobile mechanic account with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile mechanics, roadside assistance providers, and small auto repair businesses operating on-site or from a small garage. Is coverage available for customer vehicles in the mechanic’s care?Yes, Garage Keepers Coverage is included on a primary basis to protect customer vehicles while in the insured’s possession. Can this program accommodate towing operations?Yes, in-transit coverage is available for towing operations, making the program suitable for mechanics who also offer towing services. Which states is this program available in?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and state requirements. Need help placing an account? Connect with a market specialist.

Policy Highlights: Auto upholstery shops face unique risks due to their specialized work with vehicle interiors, customer property, and garage operations. Colonial General Insurance Agency, Inc. offers a tailored Auto Upholstery Shop Insurance program designed to address these exposures and help your clients stay protected. As a Managing General Agency and E&S Broker, Colonial General provides access to comprehensive garage coverage solutions through various carrier partners. Overview of the Program From Colonial General This program is built specifically for auto upholstery shops, detailing businesses, and similar operations that handle vehicles in a garage setting. Whether your client is running a small custom upholstery shop or a multi-bay operation, Colonial General can help you place accounts with the right level of protection, including garage liability, garage keepers, and property coverage. Ideal Accounts and Appetite Colonial General is looking to work with independent agents and brokers who have clients in the following categories: Auto upholstery and interior restoration shops Custom car interior specialists Shops offering detailing or minor customization services Facilities providing vehicle pickup and delivery services Acceptable risks typically include businesses with clean loss histories and sound risk management practices. Operations with towing or in-transit exposures are also considered, as coverage can include towing-related liability. Coverage Highlights and Advantages This program includes a variety of essential coverages to protect your insureds: Garage Liability Limits – Up to $1,000,000 per accident Garage Keepers Coverage – Primary basis with specified causes of loss Dealers Physical Damage False Pretense Coverage Broadened Coverage Endorsements In-Transit Coverage – For operations involving towing or vehicle movement Fire Legal Liability Medical Payments – Up to $5,000 General Liability Aggregate – Up to $3,000,000 Property Coverage – Available as part of the program This robust package helps safeguard your clients' operations, customer vehicles, and liability exposures while on or off their premises. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers and can accommodate both admitted and non-admitted placements depending on the specific risk and state. Minimum premiums vary depending on the account, risk profile, and coverage selections. Underwriters review each submission carefully to match the risk with the appropriate market and terms. Territories and Availability This program is currently available to licensed agents and brokers in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General continues to expand its reach and may have access to additional markets as needed. Why Work With Colonial General on This Business With decades of experience serving independent agents throughout the West, Colonial General is a trusted MGA with deep expertise in garage, auto services, and specialty commercial risks. Their responsive underwriting team understands the nuances of auto upholstery exposures and can help you place accounts that may not fit standard markets. With access to multiple carriers and flexible solutions, Colonial General is a strong partner for your specialty garage clients. Whether you're working with a startup shop or an established upholstery operation looking to expand coverage, Colonial General can deliver the right solutions to protect your clients and grow your book of business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for auto upholstery shops, interior restoration businesses, and detailing operations that handle customer vehicles and operate in a garage setting. What coverages are included in the Auto Upholstery Shop Insurance program?Key coverages include garage liability, garage keepers on a primary basis, dealers physical damage, false pretense, fire legal liability, medical payments, and property coverage. Is this program available in all states?No, the program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes, Colonial General offers access to both admitted and non-admitted markets, depending on the specific risk and state. How do I submit a risk to Colonial General?You can begin by visiting their company profile or storefront and contacting their underwriting team to discuss submission requirements. Need help placing an account? Connect with a market specialist.

Policy Highlights: Motorcycle dealerships and repair shops face distinct liability and property exposures that require specialized insurance solutions. Colonial General Insurance Agency, Inc. offers a Motorcycle Sales and Repair Insurance program built for the motorcycle industry — from new and used dealers to custom shops and full-service repair facilities. Through access to multiple admitted and surplus markets, this program gives agents flexible options to match each client’s operations and risk profile. Ideal Accounts and Appetite This program is designed for independent agents placing accounts such as: Motorcycle dealerships (new and used) Repair, maintenance, and service shops Custom bike builders and specialty fabrication shops Shops that sell or install parts, accessories, apparel, or provide towing Combined operations — for example, a dealership with an attached service bay and a retail accessories section — are a strong fit. You might have a client who runs a small dealership that also offers on-site customization and towing; this program can consolidate those exposures under one policy. Coverage Highlights and Advantages Colonial General’s Motorcycle Sales and Repair Insurance provides broad commercial garage solutions tailored to the industry. Key features include: Garage Liability: Limits up to $1,000,000 per occurrence Aggregate Liability: Up to $3,000,000 Medical Payments: $5,000 Garage Keepers: Available on a primary basis with specified causes of loss Dealers Physical Damage for inventory and customer vehicles False Pretense coverage Fire Legal Liability In-Transit Coverage: For towing and transport operations Broadened Coverage Endorsements to address common industry exposures Property Coverage: Available for buildings, contents, and business personal property Extension of Liability: Can include related operations such as parts, clothing, or accessory sales These options help protect clients from real-world risks like theft, fire, liability from test rides or repairs, and damage while vehicles are in your care, custody, or control. Underwriting Notes Colonial General works with multiple carriers and can place business in admitted or non-admitted markets depending on the risk and state. Appetite and pricing depend on factors such as operation type (sales-only vs. sales plus service), prior loss history, tow/transit exposure, and the value and type of motorcycles handled. Underwriters look for clear risk controls: secured storage, keys and test-ride procedures, employee training, and documented service practices. Large inventories, extensive custom fabrication, chronic prior losses, or uncommon high-horsepower specialty bikes may require additional review or placement in surplus markets. Colonial General’s underwriting team will advise on submission requirements and potential red flags to streamline placement. Territories and Availability This Motorcycle Sales and Repair Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Terms and carrier availability may vary by state. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in niche commercial risks and garage exposures. Agents benefit from: Access to multiple admitted and non-admitted markets Underwriting expertise focused on motorcycle dealerships and repair operations Support through quoting, submission, and binding to secure competitive terms Flexible coverage structures to consolidate sales, service, and retail exposures If you need help placing an account or want guidance on submission details, connect with a market specialist. What types of accounts are a good fit for this program? This program is ideal for motorcycle dealerships, repair shops, custom builders, and businesses that offer related services like towing or accessories sales. Can the program cover both sales and repair operations under one policy? Yes. The program is designed to cover combined operations such as dealerships with attached service bays or retail sections under a single policy package. Is Garage Keepers coverage offered on a primary basis? Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss, subject to carrier terms. Which states is this program available in? The Motorcycle Sales and Repair Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Do you offer admitted and non-admitted options? Yes. Colonial General has access to both admitted and non-admitted carriers and will recommend the best placement based on the client's operations and state of domicile. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Cabinet Making Insurance program tailored to woodworking operations of all sizes. Whether your client builds custom cabinets, fabricates doors and windows, or manufactures furniture, this program provides flexible coverage solutions to protect property, liability, equipment, and crime exposures. Coverage can be written on a mono-line or package basis, allowing you to tailor the policy to your insured’s risk profile and operations. Ideal Accounts and Appetite This program is designed for cabinet makers and other woodworking businesses involved in the manufacture, installation, or repair of wood products. Ideal risks include: Small to mid-sized cabinet manufacturing shops Custom woodworking contractors Furniture fabricators Window and door makers The program accommodates single-location workshops as well as contractors with multiple field crews. It is best suited for operations that perform fabrication, finishing, on-site installation, and light to moderate finishing processes. Accounts with extensive heavy manufacturing, high-hazard finishing (e.g., large industrial spray operations without proper controls), or significant outsourced subcontracting should be submitted with full details for underwriting review. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto Liability included Standard included coverages: Medical Payments – $5,000 limit Additional insureds for contractors and project owners Excess or Umbrella limits available up to $25,000,000 Minimum deductible of $500 required Property Coverage Options: Building and contents Business income and interruption Contractors’ equipment and tools Equipment breakdown Installation floaters for on-site work Outside signs Valuable papers and accounts receivable Bailees’ customer coverage Basic, Broad, or Special form options Replacement cost or actual cash value valuation Crime Coverage Options: Inside the premises – theft of money and securities Robbery or safe burglary of property inside the premises Outside the premises coverage for transit exposures Underwriting Notes and Market Access Colonial General places cabinet making and woodworking risks with a variety of admitted and excess & surplus markets. Submission review is case-by-case to ensure appropriate placement and terms. Typical underwriting considerations include the client’s loss history, finishing processes, fire protection and sprinklers, storage of flammable materials, spray booth controls, tools and equipment values, and installation exposure. A minimum deductible of $500 applies. Territories and Availability This Cabinet Making 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) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides underwriting experience and broad market access for niche and hard-to-place woodworking risks. They combine specialty product knowledge with flexible placement options—admitted where available and E&S where necessary—to help you secure appropriate coverage for challenging accounts. Their platform supports package or monoline placements and can layer excess or umbrella capacity when higher limits are needed. Example accounts that fit well with this program: A single-location custom cabinet shop that fabricates, finishes, and installs cabinets and needs property, equipment, and installation floater coverage for on-site work. A regional millwork contractor with crews in the field that requires hired/non-owned auto liability, contractor’s equipment coverage, and additional insured endorsements for project owners. For more information about Colonial General Insurance Agency, Inc., visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for cabinet makers, custom woodworking shops, furniture builders, and businesses that manufacture or install doors and windows. Is this program available on an admitted basis?Some markets are admitted depending on the account and state. Colonial General has access to both admitted and non-admitted carriers to meet client needs. Can I write this coverage as a package policy?Yes. Coverage can be issued on a mono-line or package basis to give you flexibility in structuring the policy. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the liability coverage?Primary general liability limits are available up to $3,000,000 occurrence/aggregate, with excess or umbrella options up to $25,000,000. Need help placing an account? Connect with a market specialist.

... and low loss frequency seeking customized cargo limits and higher liability l...

...markets are constrained or when customized endorsements are needed. The progra...