Search CompleteMarkets

... Property Owner Associations Dock Associations Office/Industrial Par...Restricted classes include master associations, rental associations, condo-hotels, and timeshares. ...

...gram for established community associations where construction and development...ned for completed and operational associations. Associations still in construction or active...

...pment Coverage - Piers and Docks - Work Boats - Umbrel...marine environments, including piers, docks, and work boats. What is the minim...

...rs Steamship agents and coal dock operators Luxury yacht builders ...

...26; Onshore contractors working on docks, piers, platforms, and vessels &#...

Policy Highlights for Martial Arts Studio Insurance: Colonial General Insurance Agency, Inc. offers a specialized insurance program tailored for martial arts studios, including those offering training in boxing and wrestling (amateur only). Whether your client operates a small neighborhood dojo or a multi-discipline martial arts center, this program provides flexible coverage options designed to meet the unique risks associated with martial arts instruction and operations. Coverage is available on a monoline or package basis, allowing you to customize policies to fit your client’s specific needs. Ideal Accounts and Appetite This program is ideal for amateur-level martial arts training facilities, including those offering: Traditional martial arts (e.g., karate, taekwondo, judo) Boxing and wrestling classes (amateur only) Mixed martial arts schools with a focus on amateur instruction Self-defense and fitness-based martial arts programs Typical clients include small to mid-sized studios with a focus on instruction, not professional competition. Facilities with clean loss histories and a commitment to student safety are preferred. Coverage Highlights and Advantages Commercial General Liability Primary Limits up to $3,000,000 Occurrence / Aggregate Hired and Non-owned Auto coverage Excess or Umbrella Limits available up to $25,000,000 Included Coverages: Errors and Omissions Coverage Part Sexual and Physical Abuse Coverage – $50,000 per claim / $100,000 aggregate Medical Payments – $5,000 Limit Additional Interests – Blanket basis No deductible required Property Coverage Building and Business Personal Property Business Income and Extra Expense Computer Equipment Equipment Breakdown Outside Signs Accounts Receivable Valuable Papers Replacement Cost or Actual Cash Value (ACV) Basic, Broad, or Special Form Crime Coverage Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes This program is available through various carriers, and Colonial General can tailor solutions based on individual account characteristics. While there is no published minimum premium, submissions should include complete applications and detailed risk information to ensure accurate quoting. The program is designed for amateur-level operations only — professional fighting schools or facilities hosting sanctioned competitions are not eligible. Territories and Availability Colonial General’s Martial Arts Studio 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) Some markets may be admitted depending on the state and specific exposure type. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. brings deep expertise and market access tailored to niche classes like martial arts facilities. Their underwriting team understands the unique exposures of training studios and offers responsive service, competitive pricing, and flexible coverage structures. Whether you're working with a startup dojo or an established multi-location studio, Colonial General offers solutions to help you protect your client’s business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for amateur-level martial arts studios, including those offering boxing, wrestling, karate, and self-defense training. Competitive or professional-level operations are not eligible. Is coverage available for both liability and property?Yes, coverage is available on a monoline or package basis and includes general liability, property, and crime coverage options. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are there any coverage limits for abuse or misconduct claims?Yes, Sexual and Physical Abuse coverage is included with a $50,000 per claim and $100,000 aggregate limit. Is there a deductible for liability coverage?No, there is no deductible required for the general liability portion of this program. Need help placing an account? Connect with a market specialist.

Policy Highlights: Adult Day Care Errors and Omissions Insurance from Colonial General Insurance Agency, Inc. If you're looking to place coverage for adult day care facilities, Colonial General Insurance Agency, Inc. offers a specialized program that provides robust protection for licensed operations offering social and non-medical services to adults. This program is designed to meet the unique exposures of these facilities and offers flexible underwriting to accommodate a variety of risks. Ideal Accounts and Appetite This program is tailored for licensed adult day care centers that provide supervised, structured care and activities for adults—especially seniors—who require assistance during the day. These facilities often support clients with varying levels of mobility, cognitive conditions, or chronic illness, but do not provide overnight care or skilled nursing services. Ideal risks include: Standalone adult day care centers Facilities affiliated with senior centers or community organizations Operations that offer transportation or meal services Facilities with a strong safety record, trained staff, and clear abuse prevention protocols are generally preferred. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis and includes a range of essential protections: Primary Liability Limits: Up to $3,000,000 Occurrence / Aggregate Medical Payments: $5,000 Limit Errors and Omissions Coverage: Included Sexual and Physical Abuse Coverage: Starting at $100,000 Per Claim / $300,000 Aggregate (higher limits available) Additional Interests: Automatically included No Deductible: Applies to included coverages Optional Add-Ons: Crime, Property, Hired & Non-Owned Auto coverage This comprehensive package helps protect your clients from common exposures such as professional liability, abuse allegations, and day-to-day operational risks. Underwriting Notes Colonial General works with a variety of carriers, offering both admitted and non-admitted solutions depending on market availability. Underwriting is flexible but focuses on licensed facilities with appropriate staffing and risk management protocols in place. While no minimum premium is specified, submissions should be complete to ensure efficient quoting. Territories and Availability This program is currently available to agents and brokers with risks located 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? Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty markets. Their team understands the unique risks associated with adult day care facilities and provides access to multiple carriers to help you place even the most complex accounts. With streamlined underwriting, competitive coverage options, and responsive service, Colonial General is a reliable partner for brokers focused on the senior services space. Whether you're working with a small nonprofit facility or a growing regional operator, Colonial General can help you deliver tailored insurance solutions that meet your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed adult day care centers offering social and non-medical services to adults are the best fit. Facilities with strong risk management in place are preferred. Is Errors and Omissions coverage included in the base policy?Yes, Errors and Omissions coverage is included as part of the standard policy package. Can I write this coverage on a mono-line basis?Yes, Colonial General offers both mono-line and package options depending on your client's needs. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are higher limits available for Sexual and Physical Abuse coverage?Yes, higher limits are available beyond the base $100,000 per claim / $300,000 aggregate. Contact underwriting for options. Need help placing an account? Connect with a market specialist.

Policy Highlights for Child Day Care Insurance Colonial General Insurance Agency, Inc. offers a focused Child Day Care Insurance program for licensed, non-overnight child care operations. Built for day care centers, preschools, and licensed in-home providers, this program gives independent agents and brokers access to responsive markets and coverage options that address the specific exposures of supervised child care activities. Overview of the Program From Colonial General As a Managing General Agency and E&S broker, Colonial General leverages relationships with multiple carriers and some admitted markets to place child day care risks across the western United States. The program is structured to be flexible for small in-home operations as well as larger centers, with underwriting focused on licensing, staff training, supervision and transportation exposures. Ideal Accounts and Appetite This program targets licensed, non-residential child care providers. Ideal accounts include: Licensed child day care centers Preschools and early learning centers Licensed in-home day care providers Before- and after-school programs (non-residential) Accounts that offer overnight care, operate without proper licensing, or include high-risk recreational programs are typically out of appetite. Preferred risks maintain formal supervision policies, documented staff training (including CPR/First Aid), and controlled transportation procedures. Coverage Highlights and Advantages Colonial General’s Child Day Care Insurance program centers on accident medical coverage for enrolled children and staff, plus related benefits. Coverage applies during supervised activities and associated travel. Key highlights include: Accident medical coverage for enrolled children and employees Accidental death and specified loss benefits Coverage that extends to supervised activities and travel to/from those activities Access to multiple carrier markets and flexible underwriting options Underwriting Notes and Minimum Premiums Underwriting emphasizes licensing, staff:child ratios, program schedule, transportation exposure, and safety procedures. Submissions should include facility details, licensing documentation, total enrollment, staff credentials, and descriptions of daily activities and any off-site transportation. Minimum premiums vary by carrier and state; Colonial General will match fit and pricing across admitted and E&S markets to find competitive options. Territories and Availability This Child Day Care 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) Some admitted market capacity is available depending on the state and specific risk characteristics. Why Work With Colonial General on This Business Colonial General combines niche expertise in child care risks with streamlined placement capabilities. As an MGA and E&S broker, they provide quick turnarounds, access to multiple markets, and underwriting teams familiar with the exposures unique to day care and preschool operations. That carrier access and experience can help you place accounts that might be difficult to bind in standard markets. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed, non-residential child day care centers, preschools, and licensed in-home providers are the primary fit. Operations must not provide overnight care. What coverages are included in the Child Day Care Insurance program?The program includes accident medical coverage, accidental death and specified loss benefits, and protection during supervised activities and related transportation. Is this program available in my state?The Child Day Care Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted markets depends on the state and risk profile. Do you offer access to admitted markets?Yes. Colonial General can place accounts in admitted or E&S markets depending on the state and the specifics of the risk. What information is needed to submit a quote?Provide licensing status, number of children enrolled, staff counts and training, a description of daily activities, and details on any transportation exposure to ensure accurate underwriting. Need help placing an account? Connect with a market specialist.

Policy Highlights for Christmas Tree Lots Insurance: Colonial General Insurance Agency, Inc. offers a tailored Christmas Tree Lots Insurance program designed to help agents place seasonal accounts with confidence. Whether your client operates a single temporary lot or manages multiple holiday locations, this program provides essential property and liability coverages suited for the unique risks associated with Christmas tree sales operations. Ideal Accounts and Appetite This program is an excellent fit for: Seasonal Christmas tree lot operators with temporary or semi-permanent setups Vendors operating in leased lots, parking areas, or retail spaces Operations requiring short-term coverage during the holiday season Common exposures such as customer slip-and-falls, theft of inventory, and weather-related property damage can be addressed. Accounts with clean loss history and organized risk management practices are preferred. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence and Aggregate $5,000 Medical Payments included Excess or Umbrella limits available up to $25,000,000 No deductible required Crime Coverage: Inside the Premises – Theft of Money and Securities Robbery or Safe Burglary of Other Property Outside the Premises coverage Property Coverage Options: Basic, Broad, or Special Form Building and Contents Business Income and Equipment Breakdown Computer Equipment and Inland Marine Food Spoilage and Outside Signs Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value This comprehensive set of coverages allows agents to present fully packaged solutions to seasonal clients, with flexible options to meet different risk profiles. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on risk characteristics, location, and coverage selections. Colonial General evaluates each submission individually and offers flexible underwriting for seasonal operations. Agents should be prepared to provide details on operating hours, security measures, and prior claims, if any. Territories and Availability This program is available in the following Western states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Some admitted markets are available, depending on the state and account profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep experience in placing niche seasonal risks. Their team understands the short duration and unique exposures of Christmas tree lots and works with a variety of carriers to find the right fit. With responsive service and access to both admitted and non-admitted markets, Colonial General is a valuable resource for agents looking to write seasonal tree lot business quickly and effectively. Contact Colonial General Insurance Agency, Inc. today to learn more about how you can place your Christmas Tree Lots Insurance accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for seasonal Christmas tree lot operators, particularly those with temporary setups in parking lots, retail areas, or leased spaces during the holiday season. 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 property and liability coverages available?Yes, agents can access property and liability coverage on a mono-line or package basis depending on the client's needs. What documentation is needed for underwriting?Basic information such as location details, operating dates, security measures, and prior loss history will help expedite underwriting. Can I get coverage for theft or burglary?Yes, the program includes crime coverage options for theft of money, securities, and property both inside and outside the premises. Need help placing an account? Connect with a market specialist.