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...Agency, Inc. offers a comprehensive Day Nursery Insurance program designed for...ram?This program is ideal for licensed day care centers, in-home child care pr...

...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...

..., Inc. offers a comprehensive Adult Day Care Insurance program designed for li...od fit for this program?Licensed adult day care centers that provide non-resid...

Policy Highlights: Adult Day Care Errors and Omissions Insurance fr...od fit for this program?Licensed adult day care centers offering social and no...

...Whether your client runs a licensed day care center, an in-home provider, a pr...ram?This program is ideal for licensed day care centers, in-home providers, pr...

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

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Errors & Omissions (E&O) insurance program specifically for insurance agents and brokers. With access to a range of A.M. Best A+ rated admitted and non-admitted carriers, Colonial General can help you place dependable professional liability coverage with competitive pricing and broad terms tailored to agency operations. Ideal Accounts and Appetite This program is designed for retail insurance agents and brokers in the western U.S. who need professional liability protection for their advisory and transactional work. Typical fits include agencies that: Sell personal and commercial lines Provide employee benefits counseling and enrollment services Perform notary public duties or other related professional services Are involved in mutual fund and annuity sales Coverage is also available for independent contractors and temporary staff operating under an agency’s supervision. The program works well for solo practitioners and small agencies with clean loss histories as well as mid-sized agencies that have more specialized exposures. Coverage Highlights and Advantages Colonial General’s E&O policies include a range of features that help protect insureds from claims alleging professional errors, omissions, or negligent acts. Key advantages include: Access to both admitted and non-admitted markets with A+ rated carriers Coverage for independent contractors and temporary staff Protection for mutual fund and annuity sales Broad professional services definition that includes notary public, employee benefits counselor, and insurance agent/broker roles Coverage for care, custody & control of clients’ records Catastrophe extra expense reimbursement Defense costs available both inside and outside the limits Optional "First Dollar Defense" through select carriers Limits of liability from $1 million to $5 million, including split-limit options Low deductible options starting at $2,500 No property damage exclusion Underwriting Notes and Minimum Premiums Underwriting is submission-driven. Colonial General evaluates agency operations, product mix, staffing models (including use of independent producers), and loss history to match the account to the appropriate carrier and form. Minimum premiums start at $1,500, helping keep coverage accessible for smaller firms and solo practitioners. Clean risk histories, complete applications, and timely responses to underwriting questions will speed the quoting process. Territories and Availability This E&O program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General focuses on these western states and understands regional distribution models and regulatory nuances that affect placement. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines specialty commercial-lines expertise with direct access to quality admitted and non-admitted carriers. In-house underwriting and strong carrier relationships allow for flexible solutions, faster turnarounds, and hands-on support from submission through binding. You might have a client who recently added annuity or mutual fund sales and needs E&O coverage that includes financial products — this program can address that exposure. Or you may represent a regional agency with producers operating in multiple western states that requires consistent coverage and reliable claims handling. Colonial General’s markets are structured to accommodate both scenarios. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program is ideal for retail insurance agencies and brokers offering personal and commercial lines, employee benefits counseling, and financial products such as annuities or mutual funds. Is coverage available for independent contractors?Yes. The program includes coverage for independent contractors working under an agency, which accommodates agencies that use a mix of employees and contracted producers. What are the liability limits and deductible options?Limits range from $1 million to $5 million, with split-limit options available. Deductible choices include low options starting at $2,500; specific availability depends on carrier selection and account details. In which states is this program available?This Errors & Omissions program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is the minimum premium for this program?The minimum premium begins at $1,500, making the program a cost-effective option for smaller agencies and solo practitioners with favorable loss histories. Need help placing an account? Connect with a market specialist.

Policy Highlights for Lawyers Insurance: Colonial General Insurance Agency, Inc. offers a Lawyers Insurance program designed for agents and brokers who place professional liability for law firms across the Southwest. Colonial General works with a panel of admitted and non-admitted markets to provide flexible coverage options for new and established firms, solo practitioners, part-time or moonlighting attorneys, and newly admitted lawyers. Our underwriting relationships and loss-prevention resources help you secure market capacity for a broad range of practice sizes and common areas of law. Overview of the Program From Colonial General This Lawyers Insurance program provides access to leading professional liability carriers that understand legal practice exposures. Coverage forms and limits vary by carrier, with common features offered across the panel including disciplinary proceedings coverage, loss-only deductibles, first-dollar defense options, and claim expense outside the limits. Colonial General acts as a Managing General Agency and Excess & Surplus Lines broker, placing accounts in admitted and surplus markets as appropriate. Ideal Accounts and Appetite Solo attorneys and small to mid-sized law firms. Newly formed firms and recently admitted attorneys. Part-time, moonlighting, or of-counsel attorneys needing tailored coverage. General civil practice areas and many specialty practices—subject to underwriting review. Accounts with routine civil litigation, transactional work, family law, real estate, estate planning, and general corporate services often fit well. Firms with extensive regulatory, securities, or large mass-tort exposures may require specific carrier appetite checks. Coverage Highlights and Advantages Limits available up to multi-million dollar levels depending on carrier (panel includes options commonly up to $5M; select markets may offer higher capacity). Disciplinary proceedings coverage to help manage regulatory exposures. Loss-only deductible structures and First Dollar Defense options. Claims Expense Outside the limits available on many programs. Loss prevention programs and resources to help reduce claim frequency and severity. Underwriting Notes and Submission Tips Underwriters evaluate practice area mix, attorney headcount, revenue, claims and disciplinary history, and risk management practices. To accelerate review, include: Current application and firm roster with dates admitted to the bar; Five-year loss run or claims history; Description of high-exposure matters (if any) and any risk management practices; Details on moonlighting/part-time arrangements where applicable. Limits, deductibles, and specific coverage endorsements depend on carrier availability. Colonial General can quote admitted or non-admitted options where available; confirm state placement requirements when writing surplus lines. Territories and Availability Program availability includes: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available depending on state and carrier; when admitted capacity is limited, E&S placement is used to secure broader coverage options. Why Work With Colonial General on Lawyers Insurance Deep regional experience—Colonial General insures thousands of law firms in the Southwest and has established carrier relationships that understand legal exposures. Flexible placement—ability to access both admitted and excess & surplus markets to match client needs. Loss control support—programs and resources to help reduce the likelihood and cost of claims. Responsive underwriting—specialized underwriting for new, part-time, and newly admitted attorney accounts. Example accounts that fit this program A three-attorney real estate and estate planning firm with clean loss history seeking $1M/$1M limits and disciplinary proceedings coverage. A newly formed solo practitioner recently admitted to the bar who moonlights part-time and needs a tailored policy with a lower-dollar deductible and access to loss prevention resources. Frequently Asked Questions What types of law firms are a good fit for Colonial General’s Lawyers Insurance program?Small to mid-sized firms, solo practitioners, newly formed firms, part-time attorneys, and newly admitted lawyers are core targets. Firms practicing routine civil litigation, real estate, family law, estate planning, and general transactional work typically fit well—subject to underwriting review. Are admitted policies available or is coverage only placed as surplus lines?Colonial General places business in both admitted and surplus markets where available. Some carriers on the panel write admitted paper in specific states; when admitted capacity isn’t available, excess & surplus placement is used. What coverage features and limits can I expect to offer clients?Common features include disciplinary proceedings coverage, loss-only deductible options, First Dollar Defense, and claims expense outside the limits. Limits vary by carrier and account, commonly up to $5M, with select markets offering higher capacity. What submission information helps get a faster decision?Provide a completed application, firm roster with bar admission dates, five-year loss runs, and a summary of any high-exposure matters. Clear information on part-time or moonlighting arrangements helps underwriters assess risk quickly. Which states does this program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted vs. surplus markets varies by state and carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a landscaping insurance program designed for landscape contractors whose primary operations include lawn care, sprinkler installation and maintenance, and incidental tree trimming (tree trimming must be less than 15% of total sales). This program is not intended for landscape architects who only design and do not perform work, or for contractors who subcontract the majority of their work. Commercial General Liability — Key Features Primary limits available up to $3,000,000 occurrence / aggregate Blanket Additional Insured endorsement available Excess / Umbrella capacity up to $25,000,000 Errors & Omissions Coverage Part — policy limits available Included coverages: Medical payments — $5,000 limit Pesticide / herbicide applicator coverage — policy limits In-Transit Pollution Coverage — $25,000 occurrence / $100,000 aggregate Lost key coverage — $25,000 limit Property damage extension (care, custody & control) — $5,000 occurrence / $25,000 aggregate included (higher limits available) $500 minimum deductible required Loss prevention brochure available for insureds Property, Crime and Equipment Property coverages can be written on Basic, Broad, or Special form with options for replacement cost or actual cash value. Available property features include: Accounts receivable Building and business income Business personal property and computer equipment Contractors’ equipment and equipment breakdown Outside signs and valuable papers Crime coverage options include inside-the-premises theft of money and securities, robbery or safe burglary of other property, and outside-the-premises loss. Overview — How agents can use this program This program from Colonial General is positioned for independent agents and brokers seeking admitted and excess & surplus placement options for landscape contractors in the western U.S. You can place mono-line liability or package accounts that combine liability, property and ancillary coverages tailored to contractors who perform on-site work (installation and hands-on services). Ideal accounts & appetite Small to mid-sized landscape and lawn care contractors Businesses that install and service irrigation systems and sprinkler maintenance Contractors who perform occasional tree trimming (under 15% of total revenue) Accounts that apply pesticides/herbicides as part of lawn care services Not a fit: firms that only provide landscape design without performing work, businesses that subcontract nearly all field work, or accounts with heavy tree removal or forestry operations exceeding incidental trimming. Underwriting notes & minimums $500 minimum deductible is required for liability placement. In-transit pollution and pesticide applicator coverages can be valuable for contractors transporting chemicals or performing applicator services — disclose chemical use and transport details at submission. Provide schedules of contractors’ equipment, payroll and revenue breakdowns (showing percent of trimming/tree work) to speed underwriting. Minimum premium information varies by market; submit accounts to Colonial General for specific quoting. Territories, admitted status & markets Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted capacity is available in some markets; where admitted capacity is not available, placement may be on a non-admitted / E&S basis. Carrier participation varies by state and account characteristics. Why work with Colonial General on landscaping business Specialized program built for hands-on landscape contractors — tailored coverages for pesticide application, irrigation work and contractors’ equipment. MGA and E&S broker expertise to access both admitted and excess markets in western states. Flexible limits (up to $3M primary and sizable umbrella capacity) and packaged property/liability solutions to reduce placement complexity. Underwriting support and loss prevention materials that help agents close and retain accounts. Example accounts Example 1 — A local lawn-care company that performs weekly lawn maintenance, seasonal pesticide applications, and installs sprinkler systems. Needs CGL with pesticide applicator coverage, in-transit pollution protection, and business personal property coverage for small tools. Example 2 — A mid-sized landscape contractor that installs irrigation systems, maintains commercial grounds, and owns several pieces of contractors’ equipment. Needs a package that includes contractors’ equipment, business income, and higher limits of liability plus an excess layer. Program details Provider: Colonial General Insurance Agency, Inc. — Managing General Agency and Excess & Surplus Lines Broker. Carriers: varies by state and risk. For submissions, include operations description, revenue breakdown (including percent tree work), list of equipment, and claims history to help underwriters evaluate quickly. Frequently Asked Questions What types of landscaping accounts are a good fit for this Colonial General program?Small to mid-sized contractors who perform lawn care, irrigation/sprinkler installation & service, and incidental tree trimming (under 15% of revenue). Accounts that apply pesticides or transport chemicals also fit due to included applicator and in-transit pollution options. Are admitted policies available?Some admitted markets are available depending on state and risk characteristics. Where admitted capacity is not available, Colonial General can place accounts in the excess & surplus market. Carrier availability varies by state. What underwriting information speeds quoting?Provide a description of operations, revenue by service type (showing percent tree work), payroll, list and values of contractors’ equipment, loss history, and details on pesticide/herbicide usage and transport. Is pesticide/herbicide exposure covered?Yes — pesticide/herbicide applicator coverage is available up to policy limits. Disclose products used and applicator licensing at submission to ensure appropriate coverage and limits. What deductibles and limits should I expect?The program requires a minimum $500 deductible for liability. Primary CGL limits are available up to $3,000,000 with excess/umbrella capacity to $25,000,000. Specific deductibles and limits depend on the carrier and account details. 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.