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...ith significant foot traffic Distributors and manufacturers with product lia...s program available?This Commercial Umbrella program is offered in AL, CA, CO,...

...e Hauling Companies Beverage Distributors Fuel Oil Delivery Services If y... are available through this program?Umbrella and excess limits range from $1 m...

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...ctors - roofing, steel erectors, elevator contractors, painting, street and ro...rate hazard product manufacturers/distributors, and premises risks such as sho...

...policy limits available Excess/umbrella limits up to $25,000,000 Included ...verage at policy limits, and excess/umbrella up to $25,000,000. Property, equi...

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Coverages include, but are not limited to: General Liability Excess Liability Professional Liability (E&O) Pollution Liability Contractors Insurance Program from Ck Specialty Insurance Associates, Inc. Ck Specialty Insurance Associates, Inc. offers a Contractors Insurance program built for independent agents and brokers placing contractor risks across a broad range of classes. As a Western-based, family-owned MGA and surplus lines broker, Ck Specialty provides flexible market access and underwriting support to help you place complex or hard-to-place contractor accounts in Idaho, Nevada, and Washington. Ideal Accounts and Appetite This program fits both residential and commercial contractors—from small artisan trades to larger general contractors handling new construction, remodels, and specialty projects. Typical classes include: Remodel contractors Artisan contractors (electrical, plumbing, carpentry, etc.) General contractors Commercial contractors Residential contractors (new construction and remodel) Example fits: a residential contractor specializing in high-end urban remodels or a general contractor managing mixed-use commercial builds—both are commonly placed through this program. Coverage Highlights and Available Endorsements The program offers a broad set of coverages to address common and niche contractor exposures, including General Liability, Excess Liability, Professional Liability (E&O), and Pollution Liability. Key endorsements available to tailor terms: Blanket Additional Insureds Primary / Non-Contributory wording Waiver of Subrogation Per-Project Aggregate Completed Operations for Additional Insureds Stop Gap Underwriting Notes and Minimum Premiums Ck Specialty works with multiple A-rated surplus lines carriers and offers both in-house binding authority and brokerage market access depending on the risk. The program is designed with low minimum premiums to accommodate smaller contractors and artisan trades; actual minimums vary by class and coverage selection. Underwriting highlights and typical restrictions: Focus on Western U.S. contractor classes (ID, NV, WA). Non-admitted placement allows flexible terms for elevated or unusual exposures. Higher-hazard trades or contractors with significant prior loss activity may require additional review or placement in specialty markets. Territories and Availability This Contractors Insurance program is available in Idaho, Nevada, and Washington. Policies are placed through non-admitted markets, which gives you more flexibility to structure coverage and endorsements than many admitted options. Why Work with Ck Specialty Insurance Associates, Inc.? Ck Specialty brings regional market knowledge and strong carrier relationships across surplus lines markets. Their underwriting team provides responsive, practical guidance to help you place difficult accounts, and in-house binding authority speeds turnaround when quick coverage is needed. For agents working in the Western U.S., Ck Specialty is positioned as a partner for contractor business that requires tailored terms or non-standard solutions. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?Good fits include general contractors, artisan trades, and residential or commercial remodelers operating in ID, NV, and WA. Is this a non-admitted program?Yes. Coverage is placed through surplus lines markets to allow underwriting flexibility for harder-to-place risks. What is the minimum premium for this program?Minimum premiums vary by class and coverage, but the program is structured to accommodate low minimums for smaller contractors and artisans. Are there in-house binding capabilities?Yes. Ck Specialty offers in-house binding authority and also places business through brokerage markets when appropriate. Can I get coverage for pollution or E&O exposures?Yes. Pollution Liability and Professional Liability (E&O) are available as part of the program’s offerings. Need help placing an account? Connect with a market specialist.

Policy Highlights for Directors and Officers Insurance: In today’s litigious and highly regulated business environment, directors and officers face elevated risks and increasing personal liability. Without a dedicated D&O policy, their personal assets may be exposed if the organization cannot or will not indemnify them. Colonial General Insurance Agency, Inc. offers a flexible, market-backed Directors and Officers Insurance program designed to protect individual leaders and the organizations they serve. Overview of the Program From Colonial General Insurance Agency, Inc. Colonial General operates as a Managing General Agency and an Excess & Surplus Lines broker with broad market access. That position lets us place D&O solutions for nonprofits, privately held firms, and publicly traded companies. We can access admitted markets where available and use non-admitted capacity when needed to achieve terms that match your client’s exposures and jurisdictional requirements. Ideal Accounts and Appetite This D&O program is a strong fit for: Nonprofit organizations (charities, foundations, trade associations) Privately held companies across a wide range of industries Public companies and pre-IPO firms managing evolving governance risks The program commonly accommodates mid-market accounts and organizations with standard governance structures. It can also be packaged with Employment Practices Liability (EPLI), Crime, and Fiduciary Liability to create a consolidated management liability solution. Coverage Highlights and Advantages Key features agents can expect from Colonial General’s D&O program include: Smooth excess policy structure with an expansive definition of “drop-down event,” allowing the excess to respond when underlying carriers deny or intend to deny coverage. No automatic exclusions for bodily injury, property damage, or pollution—broader than many standard D&O forms. A broad definition of “loss,” improving the policy’s ability to respond to diverse claim types. A targeted “organization vs. insured person” exclusion that focuses on collusive internal actions rather than sweeping corporate exclusions. A comprehensive definition of “claim” that includes arbitration, mediation, extradition proceedings, subpoenas, and similar proceedings. Enhanced Outside Directorship Liability for insureds serving on external boards. Specific terms and pricing will vary by carrier and the nature of the risk; Colonial General uses its market relationships to secure competitive and appropriate wording. Underwriting Notes and Minimum Premiums Each submission is underwritten on its own merits. Underwriting requirements and appetite vary by carrier—submissions with prior D&O claims, governance or fiduciary concerns, or operations in higher-risk industries will receive additional scrutiny. While there is no published blanket minimum premium, Colonial General places accounts across admitted and non-admitted markets to match cost and coverage needs. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted versus non-admitted markets varies by state and by the specifics of the account. Why Work With Colonial General As an experienced MGA and E&S broker, Colonial General provides depth of market access and practical placement guidance. Agents benefit from responsive underwriting, flexible policy structures, and the ability to package related management liability coverages. Our approach helps you place complex leadership-risk accounts efficiently while seeking contract language that better protects insureds. Example Accounts You have a regional nonprofit with volunteer board members facing increasing regulatory oversight—this program can provide director-level protection and limit board members’ personal exposure. You represent a privately held technology firm preparing for a capital raise—Colonial General can help structure D&O limits and outside directors coverage to address investor and governance concerns. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s D&O program?Nonprofits, privately held businesses, and publicly traded companies are all eligible. The program is designed to accommodate a broad range of industries and organizational structures. Can this D&O coverage be packaged with other management liability products?Yes. In many cases D&O can be packaged with EPLI, Crime, and Fiduciary Liability depending on the client’s needs and the carrier’s appetite. What makes Colonial General’s D&O program different?The program offers broader definitions of key terms, fewer standard exclusions, and enhanced protection for outside directorships—features that provide stronger protection in complex scenarios. Are admitted markets available for this program?Yes. Some admitted markets are available depending on the state and the risk; Colonial General also has access to non-admitted markets when needed. Which states is the program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.