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... technical, vocational, and trade schools, as well as private elementary, middle, and high schools with specialized curriculums. This p...ate trade, technical, and vocational schools, as well as tutoring centers and ...

...vate elementary, middle, and high schools, as well as private technical, trade, and vocational schools that offer job-specific certificatio...ate technical, trade, and vocational schools, as well as private K–12 schools, tutoring centers, and learning i...

...golf course, an indoor or outdoor driving range, or a country club with a mini...golf attractions, and indoor/outdoor driving ranges are ideal. Public or priva...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Public Entity Insurance program designed to meet the diverse needs of today’s governmental organizations. With access to both admitted and non-admitted markets, we provide flexible solutions backed by A.M. Best rated A+XV (Superior) carriers. Whether your clients are small towns or larger municipal organizations, we help you craft tailored coverage options to address their unique exposures with confidence and efficiency. Ideal Accounts and Appetite This program is well-suited for a wide range of public entities, including: City and County Governments Towns, Villages, Boroughs, and Townships Public Fire and Emergency Response Services Police and Sheriff’s Departments Transit and Park Police, and other Governmental Law Enforcement Agencies Water, Sewer, and Irrigation Districts Library Districts, Parks and Recreation Boards Highway and Community Development Boards Other Special Service Districts If you’re working with municipal departments or special service districts looking for reliable risk management solutions, this program is a strong fit. For example, you might have a client who operates a local water district or a regional parks and recreation agency—both are ideal candidates for this coverage. Coverage Highlights and Advantages We offer a robust portfolio of lines that can be packaged or offered as standalone policies: Professional Liability Law Enforcement Liability Public Officials Liability Employment Practices Liability Emergency Dispatchers Liability Firefighters Professional Liability General Liability Property and Inland Marine Crime and Equipment Breakdown Automobile Umbrella These coverages are designed to protect against operational, professional, and personnel-related exposures common to public entities. Our access to multiple markets allows us to find the right fit for your client’s size, scope, and level of risk. Underwriting Notes and Restrictions We maintain a focused underwriting appetite. Please note the following ineligible risks: Property/Casualty coverage in AK, HI, LA, and NM Professional Liability in AK, CA, HI, and LA School Districts are ineligible Transit or Housing Authorities on a stand-alone basis Properties within 25 miles of a coastline in wind-prone areas Automobile risks in MA or NJ Utilities that generate electricity or produce natural gas Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Property and Casualty risks in California are limited to Special Service Districts only. Why Work With Colonial General? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with a deep commitment to the public sector. Our experienced team understands the complex risks faced by municipalities and special districts. With access to multiple carriers and the flexibility to place both admitted and non-admitted business, we help you deliver comprehensive, competitive solutions for your public entity clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for city and county governments, townships, emergency response agencies, law enforcement departments, and special service districts like parks, water, and library boards. Can I place standalone coverages or must they be packaged?Most coverages can be written as part of a package or on a standalone basis, offering flexibility based on your client’s needs. Are school districts eligible under this program?No, school districts are not eligible for coverage under this Public Entity Insurance program. Is this program available on an admitted basis?Yes, we offer both admitted and non-admitted options depending on the risk profile and market availability. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY, with some restrictions in certain states like CA, AK, HI, and LA. Need help placing an account? Connect with a market specialist.

...ercial work, subcontractor usage, driving records for mobile crews, and loss h...bcontractor detail, vehicle list and driving records for mobile crews, and a d...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized ATV Sales and Service Insurance Program designed for businesses involved in the sale, repair, and service of all-terrain vehicles. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings years of experience and access to multiple markets to help agents place hard-to-insure risks in the powersports and recreational vehicle sector. Ideal Accounts and Appetite This program is ideal for independent agents with clients who operate: ATV dealerships and showrooms ATV repair and service shops Scooter and moped dealers (49 CC engines or greater) Snowmobile sales and service businesses Whether your client is a small-town ATV repair shop or a multi-line recreational vehicle dealership, Colonial General can help you secure the appropriate coverage for their operations. Accounts that include towing services, vehicle storage, or test drives are also within appetite. Coverage Highlights and Advantages Our ATV Sales and Service Insurance Program includes a broad range of commercial garage coverages to protect your clients from the unique exposures they face: 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: Protection against losses due to fraudulent acts Fire Legal Liability In-Transit Coverage: For towing operations Medical Payments: Up to $5,000 Broadened Coverage Endorsements Property Coverage Available This comprehensive package helps safeguard both the business premises and the vehicles in your client’s care, custody, and control. From potential fire damage in the service bay to theft during a test ride, the program addresses a wide range of exposures common to the ATV industry. Underwriting Notes and Minimum Premiums Colonial General works with multiple carriers to underwrite these accounts, offering both admitted and non-admitted solutions depending on the state. While minimum premiums vary by risk and location, our team is experienced in evaluating unique submissions and providing competitive options. Submissions should include complete applications, detailed business operations, and loss history when available to ensure a quick turnaround. Territories and Availability This program is available to licensed agents and brokers in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some admitted markets are available depending on the state and class of business. Why Work With Colonial General? Colonial General is known for its regional focus and deep expertise in niche commercial programs. By working with us, you gain access to specialty carriers, responsive underwriters, and a team that understands the unique needs of powersports dealers and service providers. We help agents like you place hard-to-insure risks with confidence and speed. Whether you’re helping a new ATV dealer get off the ground or supporting an established repair shop expanding into snowmobiles, Colonial General has the tools and products to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for ATV dealerships, repair shops, and service centers, as well as businesses dealing in scooters (49 CC or more), mopeds, and snowmobiles. Can the program accommodate businesses with towing operations?Yes, the program includes in-transit coverage, making it suitable for businesses that offer towing or pick-up/drop-off services. Is Garage Keepers Coverage included?Yes, Garage Keepers Coverage is provided on a primary basis with specified causes of loss to protect vehicles in your client’s care. What is the availability of admitted markets?Some admitted markets are available depending on the specific risk and state. Colonial General helps determine the best fit based on your client’s profile. Which states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...s of operation, vehicle type, and driving history. While minimum premium detai...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Alarm and Car Stereo Installation Insurance program built for professionals who install vehicle alarms, stereo and audio-visual systems, and related electronics. The program is designed for both fixed-site shops and mobile installers, addressing the specific liability and garage exposures that arise when technicians work on customer vehicles or transport them for service. Overview of the Program From Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents and brokers with access to broad garage-related liability markets and specialty programs. This Alarm and Car Stereo Installation program fills gaps left by standard general liability by combining garage liability, Garage Keepers protections, and optional property and physical damage coverages — useful for accounts handling high-value vehicles, aftermarket electronics, or mobile operations. Ideal Accounts and Appetite This program is best for contractors and businesses that focus on installation and service rather than manufacturing or wholesale distribution. Typical classes include: Automobile alarm and security system installers Car stereo, navigation and in-car audio-visual system installers Shops that perform aftermarket electronic upgrades and integrations Mobile installation and on-site service providers Preferred accounts have clear safety protocols, secure storage for customer vehicles and equipment, and a clean or manageable loss history. Accounts that primarily manufacture electronics, operate large-scale retail distribution, or present unusual garage exposures should be discussed with underwriters before submission. Coverage Highlights and Advantages Commercial Garage coverages available include: Aggregate liability capacity up to $3,000,000 Garage liability limits up to $1,000,000 per occurrence Medical payments coverage (example: $5,000 available) Garage Keepers coverage on a primary basis with specified causes of loss Fire legal liability and Dealers Physical Damage options False pretense coverage and broadened coverage endorsements In-transit coverage for towing and vehicle movement exposures Optional property coverage for business personal property and tools These features are intended to protect your insureds from exposures such as customer-vehicle damage during installation or test drives, theft of installed equipment, fire or vandalism at the premises, and liability arising from installation errors. Underwriting Notes and Minimum Premiums Colonial General works with multiple admitted and non-admitted carriers to match coverage to account complexity. Admitted options are available in select states, with E&S placements used where appropriate. Minimum premiums vary by carrier, state, and risk characteristics; accounts with documented safety programs, secure storage practices, and a favorable claims history will generally receive the most competitive terms. For higher-risk or larger accounts, expect additional underwriting requirements such as inventories, photos of premises and vehicles, and written procedures for mobile operations. Territories and Availability This program is currently offered in: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Admitted availability varies by state and carrier. Contact Colonial General to confirm admitted vs. non-admitted placement options for a specific submission. Why Work With Colonial General Colonial General specializes in garage and auto-related niche programs, giving agents access to underwriting expertise and markets that understand the unique risks of aftermarket electronics and mobile installers. Their capacity to place both admitted and non-admitted business, plus flexible coverages like Garage Keepers on a primary basis and in-transit protection, makes this program a practical option for accounts that are difficult to place in standard markets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a strong fit for businesses that install car alarms, stereos, navigation and other aftermarket electronics — including both fixed-location shops and mobile installation services. Is Garage Keepers Coverage included?Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss to protect customer vehicles while in the installer’s care, custody, and control. Are mobile installers eligible for coverage?Yes. Mobile installers are eligible and can be offered in-transit coverage for towing or vehicle movement exposures when applicable; underwriting will review mobile procedures and security controls. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted market availability varies by state and carrier. Can I access both admitted and non-admitted markets through Colonial General?Yes. Colonial General places business in both admitted and non-admitted markets depending on the state and specific account needs. Need help placing an account? Connect with a market specialist.

...(ride-and-drives, auto shows with driving elements) Driving schools, drift events, rally stages,...l tracks, drag strips, rally stages, driving schools, auto crosses, drifting and sanct...

Policy Highlights: Colonial General Insurance Agency, Inc. offers an Equipment Breakdown Insurance program that helps you add essential protection to your clients’ property placements. This coverage fills gaps common to standard property policies by addressing losses from mechanical or electrical failure, steam explosions, pressure-vessel breakdowns, and related causes. It’s an easy way to enhance property quotes, reduce client downtime risk, and limit your own E&O exposure by rounding out accounts. Ideal Accounts and Appetite This program targets small- to mid-sized commercial property accounts that rely on mechanical, electrical, or pressure equipment. Typical fits include: Retail centers and strip malls with HVAC systems and refrigeration units Medical and dental offices with diagnostic or sterilization equipment Restaurants and food service operations with refrigeration and cooking systems Office buildings with servers, telecommunications gear, and electrical infrastructure In short, if a client depends on equipment whose failure would cause costly repairs or business interruption, this program is worth considering. Example scenarios: You might have a restaurant client facing high replacement costs if a walk-in freezer fails, or an office building where server downtime would disrupt multiple tenants—both are good candidates for Equipment Breakdown coverage through Colonial General. Coverage Highlights and Advantages Key coverages include: • Protection for five common property exclusions: Mechanical breakdown Artificial electrical disturbance Steam explosion Breakdown of steam vessels and piping Breakdown of hot water vessels and piping • Covers direct physical damage to covered equipment and indirect losses such as business interruption or extra expense • Resultant property damage to other covered property is included • Statutory and jurisdictional inspections are provided at no additional cost • Helps reduce your professional liability by filling gaps in property placements • Simple to bundle with other policies — streamlined quoting and competitive pricing add value for clients Types of Equipment Typically Eligible Electrical: transformers, motors, switchboards, circuit breakers, bus ducts Air Conditioning & Refrigeration: compressors, fans, coils, piping, vessels Boilers & Pressure Vessels: cookers, sterilizers, heating or process boilers Computers & Communications: servers, phone systems, environmental controls Mechanical: pumps, turbines, blowers, engines, gear sets Underwriting Notes and Premiums Colonial General supports straightforward underwriting with tiered flat-charge pricing based on total property limit per location. Annual premiums can be prorated if coverage is added midterm, which makes it easy to place on existing accounts. Rates are competitive for the market segments described above. Underwriting will focus on the condition, age, and maintenance of covered equipment, existing loss history, and exposure to overheating, corrosion, or poor installation practices. Accounts with well-documented maintenance programs and up-to-date inspections typically receive the best terms. Territories and Availability This program is available to agents and brokers in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; carrier options and placement (admitted vs. E&S) vary depending on the insured’s location and specific risk profile. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep niche expertise with flexible market access. Their underwriting team is responsive and experienced in placing specialized or harder-to-place risks. That combination helps you round out property accounts, reduce client disruption, and provide meaningful coverage enhancements without excessive complexity. If you want to boost value for clients who depend on critical equipment—and reduce your own placement risk—this Equipment Breakdown program from Colonial General is a practical option to consider. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial property risks that depend on mechanical, electrical, or pressure-based equipment—such as offices, restaurants, retail centers, and healthcare facilities—are well-suited for this coverage. Does this coverage include inspections?Yes. Statutory and jurisdictional inspections are included at no additional cost to the insured, which helps with compliance and risk reduction. Can this coverage be added midterm?Yes. Coverage can be added midterm, and annual premiums may be prorated based on the effective date and property limits. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Is this coverage available on an admitted basis?Some admitted markets are available depending on location and risk profile. Colonial General will work with you to determine the best placement for each account. Need help placing an account? Connect with a market specialist.