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Policy Highlights: Colonial General Insurance Agency, Inc. offers property and liability coverages on a mono-line or package basis for contractors who perform excavation and land grading operations. This program is tailored to contractors and operators engaged in site preparation, lot grading, trenching and similar earthwork. It is not intended for public street or road construction, mining operations, installation or removal of underground tanks, landfills, dam or tunnel construction, or snow removal operations. Overview of the Excavation Insurance Program from Colonial General Insurance Agency, Inc. This program provides flexible solutions for agents placing excavation and grading risks. Available through Colonial General as a managing general agent and excess & surplus lines broker, the program offers both property and commercial general liability coverages with admitted and non-admitted market access depending on the state and risk profile. Carriers vary by account and there are selective admitted markets where available. Ideal Accounts and Appetite Small to mid-sized excavation and grading contractors Operators performing site work for residential and commercial developments (excluding public road or heavy civil projects) Contractors that own and operate their equipment and require contractor's equipment coverage Accounts needing package solutions combining property, equipment, and liability limits Typically not a fit: large heavy civil contractors, mining, tunnel or dam work, landfill operators, underground tank removal projects, public street/road construction, or snow removal operations. Coverage Highlights and Advantages Coverage options are designed for placement flexibility and include: Property Coverage available for excavation insurance: • Accounts Receivable • Basic, Broad, or Special Form • Building • Business Income • Business Personal Property • Computer Equipment • Contractor's Equipment • Equipment Breakdown • Outside Signs • Replacement Cost or Actual Cash Value • Valuable Papers Commercial General Liability Coverage available: • Primary limits up to $3 million occurrence and aggregate • $5,000 Medical Payments Coverage—Included • Additional Interests—$100 each • Excess or Umbrella limits up to $25 million • $1,000 minimum deductible required 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 Requirements Minimum deductible: $1,000 (as a program requirement for liability placement). Limits: primary GL available up to $3M with umbrella/excess options to $25M—subject to carrier approval. Underwriting focuses on experience, loss history, scope of operations, equipment values, and site-specific exposures (e.g., shoring, trenching near utilities). Submission requirements typically include contractor’s application, loss runs, equipment schedule, and a description of operations and project types. Territories and Availability Available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some coverages are offered through admitted markets where available; other placements may be written non-admitted depending on state and carrier appetite. Why Work With Colonial General on Excavation Business Specialized underwriting for excavation and grading contractors through an experienced MGA/E&S broker. Package capability to combine property, equipment, crime and liability coverages for a more complete placement. Access to multiple carrier markets to secure competitive limits, including umbrella/excess follow-form options. Practical appetite guidance to help you avoid non-fit accounts and improve placement speed. Sample accounts that fit this program A residential site contractor performing grading, pad preparation and utility trenching for single-family lots with owned compactors, excavators and skid steers. A commercial site work subcontractor hired for earthmoving and drainage installation on a shopping center project (non-public road work), requiring contractor’s equipment and GL limits with an umbrella. Submission Tips Provide a detailed operations description and equipment schedule up front. Include five years of loss runs when available and explain any recent large losses. Identify any subcontracted work and whether the insured performs utility excavation or trench shoring. Note project types that are excluded by the program (public roads, mining, tunnels, landfills, etc.) to avoid delays. Frequently Asked Questions What types of excavation contractors are a good fit for this program?Contractors focused on site preparation, lot grading, trenching and general earthwork for residential and commercial projects (not public road or heavy civil work) are the primary fit. Those who own and operate their equipment and have manageable loss history are preferred. What limits and deductibles can I expect to place?Primary GL limits are available up to $3 million (occurrence and aggregate) with excess/umbrella capacity to $25 million. The program requires a $1,000 minimum deductible for liability; specific deductible and limit combinations depend on carrier underwriting. Are there operations or exposures that this program will not accept?Yes. Typical exclusions include public street/road construction, mining, tunnel or dam construction, landfills, underground tank installation/removal, and snow removal operations. Large heavy civil or specialty hazardous operations are also outside the appetite. What documentation should I include with a submission?Provide a completed application, current equipment schedule, five years of loss runs, and a clear description of operations and project types. Notes on subcontractor use and safety/shoring procedures help expedite underwriting. Is this program admitted in all states listed?Colonial General places coverage through admitted markets where available and uses non-admitted markets as needed. Availability varies by state—AZ, CA, CO, ID, NV, NM, UT and WY are served by the program. Need help placing an account? Connect with a market specialist.

Amwins Program Underwriters offers SprinklerPro — a focused, multi-line insurance solution tailored to Fire Sprinkler and Suppression Contractors. The program supports contractors who design, fabricate, install, test, service, or repair sprinkler and suppression systems, including pre-action and deluge water systems and special hazard systems using halon, Inergen, FM-200, foam, or CO2. SprinklerPro Program Overview SprinklerPro delivers targeted protection for firms involved in every stage of fire sprinkler and suppression work. The program combines general and professional liability solutions with contractors pollution liability and umbrella/excess capacity to address the unique mix of installation, design exposure, and environmental concerns this class presents. Minimum Premium: $25,000 Available Coverages Include: General Liability: $1M / $2M limits Professional Liability Contractors Pollution Liability: Includes microbial substances (mold/fungus) Umbrella/Excess Liability: Follow-form over primary, including pollution, microbial substances, and professional liability, with limits up to $15M Overview — From Amwins Underwriting SprinklerPro is an MGA-backed program underwritten by Amwins Underwriting for agents placing fire sprinkler and special hazard suppression contractors. It is structured to combine general liability, professional liability, pollution, and excess capacity under a coordinated program form so you can place multi-line accounts with consolidated underwriting and terms. Ideal Accounts and Appetite Small to mid-sized contractors that design, install, inspect, test, maintain, or repair water-based sprinkler systems (including pre-action/deluge). Contractors working on special hazard suppression systems (e.g., halon, Inergen, FM-200, foam, CO2) where both installation and design exposures are present. Accounts seeking integrated coverage for installation risks, design errors, and pollution/microbial exposures tied to sprinkler work. What Typically Fits / What Doesn’t Fits: contractors with disciplined safety programs, documented quality controls, and experienced supervision on complex or special hazard installs. May not fit: contractors with frequent significant losses, ongoing litigation arising from design defects, or operations primarily involving large-scale industrial manufacturing outside typical sprinkler/suppression work. Coverage Highlights and Advantages Multi-line program that addresses both installation and professional exposures in a single submission. Contractors Pollution Liability that expressly includes microbial substances (mold/fungus) — important for water-related claims. Follow-form umbrella/excess capacity that can extend over primary, pollution, microbial, and professional liability where appropriate. Limits available to support larger placements (umbrella limits up to $15M). Underwriting Notes and Minimums SprinklerPro maintains a program minimum premium of $25,000. Underwriting emphasizes loss control, experience modifications, project sizes, and the scope of design services. Submissions should include loss runs, description of safety and quality control programs, details on special hazard experience, and copies of contracts or standard indemnity language when available. Territories and Admitted Status Available in most states (see list below). The program is offered through Amwins Underwriting (MGA) and is accessible to agents writing accounts in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted availability is generally wide — see individual state filings and carrier appetite for details. Why Place This Business With Amwins Underwriting Specialized underwriting focused on sprinkler and suppression exposures — streamlined placement for agents handling technical accounts. Multi-line capability reduces the need for multiple markets and simplifies coordination for claims and policy terms. Capacity for higher-limits and umbrella placement provides options for growing contractor accounts or larger projects. Example Account Scenarios You have a regional contractor that installs and services both wet-pipe and pre-action systems for commercial buildings and wants combined GL, PL, and pollution protection for upcoming bids on healthcare and educational facilities. You represent a firm that specializes in FM-200 and CO2 special hazard systems for data centers and needs professional liability plus umbrella limits to satisfy contract requirements. Frequently Asked Questions What types of accounts are a good fit for SprinklerPro?SprinklerPro is designed for contractors that design, install, test, service, or repair water-based sprinkler systems and special hazard suppression systems. Best fits are firms with documented safety programs, controlled loss history, and experience on projects requiring both installation and design work. What is the program minimum and typical submission requirements?The program minimum premium is $25,000. Typical submissions should include current loss runs, a description of safety and quality control procedures, details on special hazard experience (if applicable), and copies of contract language or standard agreements. Does the program provide pollution and microbial coverage?Yes. Contractors Pollution Liability is available and the program explicitly includes microbial substances (mold/fungus) tied to sprinkler or suppression operations when underwritten into the account. In which states is SprinklerPro available and is it admitted?SprinklerPro is available in most states; see the program listing for the full state roster. Admitted availability is generally broad, but final admitted or non-admitted status can vary by state and carrier — check with Amwins Underwriting on a per-submission basis. Need help placing an account? Connect with a market specialist.

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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