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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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers Property and Liability coverages—available on a monoline or package basis—designed for food manufacturing and processing operations within specified classifications. Overview of the Program from Colonial General Insurance Agency, Inc. This program is built for independent agents and brokers who need reliable markets for food manufacturers and processors. Colonial General places accounts through admitted and excess & surplus markets (Some Available Markets / Varies by carrier), giving you options for accounts that require standard admitted paper or more flexible E&S placement. The program combines industry-aware underwriting with capacity for higher limits and specialty coverage features relevant to food risks. Ideal Accounts and Appetite Small to mid-size food manufacturers and processors operating under specified classifications. Typical fits include bakeries and packaged baked goods, snack and confectionery producers, dairy and cheese processors, beverage bottlers, canned and frozen food processors, and similar manufacturers of consumer food products. Good candidates have documented food safety and sanitation programs, routine equipment maintenance (especially refrigeration), and reasonable loss histories. Accounts with ongoing or unresolved contamination/recall histories may require referral to specialty carriers. Coverage Highlights and Advantages Key liability and property features under this Colonial General program include: Commercial General Liability — Primary limits up to $3,000,000 occurrence and aggregate. Hired and Non-Owned Auto and Liquor Liability where applicable. $5,000 Medical Payments—Included. Vendors Additional Insured status available. Limited Product Withdrawal Expense—$5,000 limit—Included. Excess / Umbrella capacity up to $25,000,000 to broaden limits and aggregate protection. Crime coverage options: Inside the Premises—Theft of Money and Securities. Inside the Premises—Robbery or Safe Burglary of Other Property. Outside the Premises coverage. Property coverages commonly available: Accounts Receivable, Building, Contents, and Computer Equipment. Basic, Broad, or Special form property wording; Replacement Cost or Actual Cash Value options. Business Income and Equipment Breakdown. Food Spoilage—$5,000 limit—Included (higher limits available on request). Outside Signs and Valuable Papers. Underwriting Notes and Submission Guidance Provide current loss runs, a description of production processes, revenue by product line, and details on refrigeration/redundancy and food safety programs. Underwriters evaluate product handling, storage temperatures, supplier controls, recall plans, and prior recall history. Accounts with complex chemical processing, on-site slaughter operations, or significant prior contamination losses may face tighter terms or referral to specialty carriers. Minimum premiums and specific terms vary by carrier and state — contact Colonial General for current appetite and target pricing guidance. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, WY. Placement may be admitted in some states and non-admitted (E&S) through other markets depending on the account characteristics and carrier appetite. Why Work with Colonial General on Food Manufacturing Business Access to multiple carrier markets (both admitted and E&S) through a managing general agency and excess & surplus lines broker. Program structure that includes food-specific features such as included food spoilage and limited product withdrawal expense. Capacity for elevated umbrella limits (up to $25M) to support accounts with larger liability needs. Underwriting that focuses on the practical exposures of food manufacturing—helping you place accounts efficiently with appropriate coverage forms. Example Account Scenarios You have a regional bakery producing packaged breads and pastries sold to retail chains—seeking property, GL, spoilage coverage and a vendors additional insured endorsement. This program can provide monoline property with food spoilage limits and GL limits up to $3M. A mid-size beverage bottler with refrigerated storage and refrigerated delivery—needs equipment breakdown, spoilage, and umbrella protection. Colonial General can access E&S capacity and excess limits to build a tailored tower. Frequently Asked Questions What types of food manufacturing accounts are a good fit for this program?Small to mid-size manufacturers and processors in specified classifications—examples include bakeries, snack and confectionery producers, dairy and cheese processors, beverage bottlers, and canned or frozen food processors—are generally a good fit when they have documented food safety controls and routine maintenance programs. What limits and specialty coverages are available?Commercial General Liability is available with primary limits up to $3,000,000 occurrence and aggregate, and excess/umbrella capacity up to $25,000,000. Property features include business income, equipment breakdown, and food spoilage (standard $5,000 included; higher limits available). Are placements admitted or non-admitted?Colonial General works with a mix of admitted and E&S markets. Availability depends on the state and the specific risk; some markets are admitted where product and jurisdiction allow, and E&S options are used for harder-to-place or higher-exposure accounts. What should I include with a submission to speed underwriting?Include current loss runs, revenue by product line, descriptions of production and storage processes (especially refrigeration), food safety and recall plans, and photos of facilities if available. These items help underwriters assess exposure and provide quicker, more accurate indications. Need help placing an account? Connect with a market specialist.