Search CompleteMarkets

Policy Highlights for Child Day Care Insurance Colonial General Insu...rogram available in my state?The Child Day Care Insurance program is available...

...e Agency, Inc. offers a specialized Day Care Van Insurance program designed fo...ildren are the primary target. In-home day care providers and private shuttle services that are not licensed day care centers are not eligible. What...

Cochrane & Company’s Adult Day Care Insurance program offers tailored...ly Asked Questions What types of adult day care accounts are a good fit for th...

...l Injury (available for CPL only) Day Care endorsement (available for CPL on..., Acreage, Personal Injury (CPL only), Day Care (CPL only), and Short-term vac...

...ls, including: Small in-home day care and residential group homes P...

...heir investment and operations from day one. Frequently Asked Questions What ...

Policy Highlights for Dwelling Insurance: Colonial General Insurance Agency, Inc. offers a flexible Dwelling Insurance program built for owners of one-to-four-family residential properties. Whether your client has a single rental home or a small portfolio of investment properties, this program provides Property and Lessor’s Risk Liability coverage options. Coverage is available monoline or as a package, so you can tailor policies to occupancy, risk exposure, and client preferences. Ideal Accounts and Appetite This program is an excellent fit for: Owners of one-to-four-family dwellings, including single-family rentals and duplexes Landlords seeking Lessor’s Risk coverage Clients with small investment property portfolios Properties that may not qualify for standard admitted markets Ideal submissions have minimal recent loss history, stable tenant occupancy, and well-maintained buildings. Properties undergoing major renovation, with significant vacancy, or with unusual exposures are reviewed on a case-by-case basis and may require additional underwriting detail. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3 million per occurrence/aggregate Medical Payments: $5,000 included Additional interests included at no extra cost Optional Excess/Umbrella limits available up to $25 million No deductible required; premium credits available for higher deductibles: 5% credit for $1,000 deductible 10% credit for $2,500 deductible Property Coverage Options: Basic, Broad, and Special form options Building, Contents, and Business Income coverage Equipment breakdown protection available Valuation choices: Replacement Cost or Actual Cash Value Underwriting Notes Colonial General works with a variety of carriers and can place risks in both admitted and non-admitted markets depending on the property, state, and coverage needs. There is no listed minimum premium; however, underwriters expect complete submissions that include property details, occupancy, year built and updates, insurance history, and any prior losses. Underwriters focus on property condition, tenant profile, and loss-control measures when evaluating risk. Territories and Availability This Dwelling 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) Availability and admitted vs. non-admitted options may vary by carrier and coverage type within these states. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple markets across the western U.S. Their underwriting team specializes in dwelling risks, including harder-to-place rentals and small schedules of properties. Agents benefit from flexible underwriting, competitive liability limits, and the ability to structure monoline or packaged placements to meet client needs. Explore the full program details on the Dwelling Insurance storefront or visit the Colonial General Insurance Agency profile for additional markets and programs. Frequently Asked Questions What types of accounts are a good fit for this Dwelling Insurance program?This program is best for one-to-four-family residential dwellings: single-family rentals, duplexes, triplexes, and fourplexes. It's aimed at landlords, property investors, and property managers with smaller schedules. Can I package property and liability coverage together?Yes. You can place property and Lessor’s Risk Liability either monoline or as a package so coverage aligns with the client's exposure and budget. Are admitted and non-admitted options available?Yes. Colonial General has access to both admitted and E&S markets. Which option applies depends on the state, carrier appetite, and specifics of the risk. What documents are needed for a submission?Include property details, occupancy type, year built and recent updates, current insurance and loss history, tenant mix, and any risk-control measures. Additional information may be requested for unique or higher-exposure risks. Which states is this program available in?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Specific coverage availability may vary by state and carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights: As a lunch wagon or food truck owner, your vehicle is more than transportation—it is the core of the business. Colonial General Insurance Agency, Inc. offers a Lunch Wagon Insurance program to help agents place coverage for mobile food vendors operating 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 access to a variety of admitted and non-admitted carriers. This Lunch Wagon Insurance program is designed for independent agents and brokers who need flexible, market-access solutions for mobile food-service clients. Whether your client runs a single lunch wagon or a small fleet of food trucks, the program provides targeted coverages and underwriting support tailored to the industry’s exposures. Ideal Accounts and Appetite This program targets mobile food vendors, including: Lunch wagons Food trucks and concession trailers Mobile kitchen vehicles with permanently mounted equipment We prefer operators with permanently mounted cooking or refrigeration equipment and those working regionally (up to a 500-mile radius). The program considers both start-ups and established businesses; underwriting evaluates experience, vehicle condition, and operations when determining eligibility. Coverage Highlights and Advantages Key features agents can offer through this program include: Physical damage coverage for the vehicle and permanently mounted equipment (stoves, grills, refrigeration, etc.). Liability limits up to $1,000,000 CSL to satisfy contract and municipal requirements. Deductible flexibility with options typically from $500 to $5,000 to match client budgets. Radius options—coverage available for operations up to 500 miles for regional vendors. Cargo and spoilage protection—limits up to $100,000 including refrigerator breakdown coverage for perishable inventory. Underwriting Notes Underwriting considers vehicle type, age and condition, permanently installed equipment value, radius of operation, loss experience, and operator experience. Colonial General leverages multiple markets to place risks that may be difficult to write in standard markets. Minimum premiums and admitted availability vary by state and specific risk characteristics. Territories and Availability The Lunch Wagon Insurance program is available to agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are admitted in select states; other placements may be written non-admitted depending on the risk profile and state rules. Why Work With Colonial General? With decades of specialty risk experience and a regional focus, Colonial General provides access to niche markets and responsive underwriting. Agents benefit from our knowledge of mobile food exposures, our ability to place hard-to-write risks, and timely support to secure coverage that fits contractual or municipal requirements. Our team helps you match appropriate limits, deductibles, and ancillary coverages to each client’s operation. Frequently Asked Questions What types of accounts are a good fit for this program?Mobile food vendors such as lunch wagons, food trucks, and mobile kitchen vehicles with permanently mounted equipment are ideal for this program. Can new businesses or startups qualify for coverage?Yes. Start-ups may be considered; underwriting reviews operator experience, vehicle condition, equipment, and operational details. What is the maximum radius of operation allowed?The program offers radius options up to 500 miles to accommodate most regional food truck businesses. Is refrigerator breakdown covered under the cargo limit?Yes. Refrigerator breakdown protection is available under the cargo/spoilage coverage, with limits that can go up to $100,000 depending on the account. Which states is this program available in?The Lunch Wagon Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.