Search CompleteMarkets

...ractors engaged in residential installation, service and repair of communicati...th GL limits and E&O coverage for installation errors. Territories and Admit...

Veracity Insurance Solutions, LLC offers an agent-focused Contractors General Liability Insurance program designed to meet the varied needs of contractors nationwide. As a Managing General Agency and Excess & Surplus Lines Broker, Veracity gives agents and brokers access to both admitted and non-admitted markets so you can place tailored solutions that fit your clients’ coverage needs and budgets. Whether you represent a new startup or an established contractor expanding operations, Veracity’s underwriting flexibility and market access help you place business efficiently and competitively. Our team specializes in contractor exposures and works with producers to structure terms that reflect each insured’s operations and risk profile. Ideal Accounts and Appetite This program fits a broad range of contracting businesses, from general contractors to specialty trades. We welcome new ventures and non-standard risks, and we can develop terms for accounts with additional exposures. Typical accounts include: Start-up residential contractors needing a low minimum premium and flexible coverage terms Established HVAC contractors expanding into multiple states and requiring higher umbrella limits Veracity can also craft solutions for more complex or unusual risks, including operations with pollution liability concerns or inland marine exposures. Coverage Highlights and Advantages Veracity’s program places business with "A" rated carriers and offers a range of features useful to agents and insureds: Nationwide availability (all 50 states and D.C.) Wide range of eligible contractor classes Low minimum premiums and deductible options for smaller contractors Occurrence and claims-made forms available Higher liability and umbrella limits where needed Both admitted and non-admitted paper, depending on state and risk Complementary lines are available to help you place a complete program: Pollution Liability, Business Owners Policy (BOP), Property and Inland Marine, E&O, D&O and more—so you can coordinate multiple exposures through a single wholesaler relationship. Underwriting Notes and Minimum Premiums Minimum premiums and final terms vary by class, location, and scope of work. Veracity’s underwriting team partners with producers to evaluate operations, recommend appropriate limits and endorsements, and tailor pricing to the account’s size and risk profile. Territories and Availability This contractors program is available in all 50 states and Washington, D.C. — if your client operates in multiple jurisdictions, Veracity’s licensing and carrier relationships support multi-state placements. Why Work With Veracity Insurance Solutions? Veracity combines deep contractor-market expertise with responsive service and broad market access. As an MGA and E&S broker, we solve placement challenges by offering flexibility in paper, access to multiple carriers, and underwriting that understands trade-specific exposures. We focus on long-term broker relationships and practical solutions that help you win and retain accounts. Example scenarios you might place through this program: A startup residential contractor needing basic general liability with a low minimum premium while they build payroll and revenue. An established mechanical contractor seeking higher umbrella limits and a coordinated placement for pollution and inland marine exposures as they expand into new states. To learn more or submit a risk, contact us at [email protected] or call 1-866-395-1308. Frequently Asked Questions What types of contractor classes does this program cover?The program covers a wide range of contractor types, including general contractors, electricians, plumbers, HVAC specialists, landscapers, and many other trades. Is this program available for new ventures?Yes. Veracity welcomes new ventures and offers flexible coverage options and low minimums designed to support start-up contractors. Are higher liability limits available?Yes. Higher liability and umbrella limits are available to meet the needs of larger or more complex accounts. Can this program be written on either admitted or non-admitted paper?Yes. Depending on the risk and state regulations, coverage can be placed through admitted or non-admitted carriers. Which states is this program available in?This program is available in all 50 states and Washington, D.C., providing nationwide access for your contractor clients. Need help placing an account? Connect with a market specialist.

...ld Contractors Draftsmen Elevator Consultants Environmental Risk C...

Policy Highlights for Tavern Insurance: Colonial General Insurance Agency, Inc. offers a focused Tavern Insurance program for taverns and restaurants where alcohol sales are 30% or more of total gross receipts. The program supports small neighborhood bars through high-volume full-service restaurant bars, with Property and Liability available on a mono-line or package basis to fit varied risk profiles and operational needs. Ideal Accounts and Appetite This program is best suited for agents placing: Taverns and bars with significant alcohol sales (30%+ of gross sales) Restaurants with full-service bars or late-night service Small to mid-sized hospitality establishments that provide food and entertainment Accounts with prior losses or complex exposures may still be considered — Colonial General’s underwriting is flexible and reviews submissions on a case-by-case basis. This market offers both admitted and non-admitted options in select states. Coverage Highlights and Advantages Property Coverage Available for Taverns: Accounts Receivable Basic, Broad, or Special Form Building and Business Personal Property Business Income and Extra Expense Computer Equipment Equipment Breakdown Food Spoilage Contents and Outside Signs Valuable Papers Replacement Cost or Actual Cash Value (ACV) Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence/aggregate Liquor liability included Excess/umbrella limits up to $25,000,000 Assault and/or battery limited liability coverage ($25,000 per event / $50,000 aggregate) Medical payments coverage ($5,000) Additional insureds available No deductible required on liability (per program terms) Crime Coverage Available: Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage Underwriting Notes Coverage can be bound as mono-line or as a packaged program. Colonial General evaluates each submission on exposures, location, and operations; pricing and structure are tailored to the account. There is no published minimum premium — actual minimums, if any, will be determined by the underwriters and the market selected. Territories and Availability This Tavern Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Depending on the state and the account, coverage may be placed through admitted or non-admitted markets. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides regional hospitality expertise and broad market access. The program is backed by multiple carrier partners and offers underwriting flexibility for common tavern risks — liquor exposure, assault/battery incidents, food spoilage, and equipment breakdown among them. Agents benefit from responsive underwriting, placement options across admitted and E&S markets, and policy forms that address hospitality-specific exposures. You can rely on Colonial General to help structure limits, excess layers, and ancillary coverages to fit your client’s operation. Practical Placement Examples You may have a neighborhood tavern with moderate alcohol sales, dart leagues, and a single bartop — this program can provide primary GL with liquor liability and limited assault/battery coverage. A mid-size restaurant with a full bar, commercial kitchen, and late-night hours can be placed with both property (including food spoilage and equipment breakdown) and high-limit excess liability to address elevated exposures. Frequently Asked Questions What types of accounts are a good fit for this Tavern Insurance program?Ideal accounts include taverns, bars, and restaurants where alcohol sales are 30% or more of gross receipts. Establishments with entertainment or late-night operations are routinely considered. Is liquor liability coverage included in this program?Yes. Liquor liability is available as part of the Commercial General Liability offering, with primary limits up to $3 million and excess options up to $25 million. Can I submit accounts located in multiple states?Yes. Colonial General writes business in AZ, CA, CO, ID, NV, NM, UT, and WY. Multi-state operations within these states can be submitted and will be evaluated by underwriting. Are there coverage options for food spoilage and equipment breakdown?Yes. Both food spoilage and equipment breakdown are available under the Property section to protect perishable inventory and kitchen equipment. Does the program offer any assault and battery coverage?Yes. A limited assault and/or battery liability form is available with $25,000 per event and $50,000 aggregate limits. 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 (D&O) face elevated risks and increasing personal liability. Without a dedicated D&O policy in place, their personal assets may be exposed in the event the organization cannot or will not indemnify them. Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Directors and Officers Insurance program designed to protect individual leaders and the organizations they serve. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, offering D&O solutions across multiple industries. Whether your client operates a nonprofit, a privately held company, or a publicly traded corporation, Colonial General can help you secure tailored protection that addresses their leadership liability exposures. Some markets are admitted, providing additional flexibility depending on the risk and jurisdiction. Ideal Accounts and Appetite This program is suitable for a wide range of organizations, including: Nonprofit organizations (charities, foundations, associations) Privately held corporations across various industries Publicly traded companies with evolving governance risks D&O insurance through Colonial General can be packaged with related coverages such as Employment Practices Liability Insurance (EPLI), Crime, and Fiduciary Liability, creating a robust management liability solution. Coverage Highlights and Advantages Colonial General’s D&O program offers a broad and flexible policy structure with the following key features: Smooth excess policy structure with an expansive definition of “drop-down event,” enabling the policy to respond when underlying insurers deny or intend to deny coverage No exclusions for bodily injury, property damage, or pollution—uncommon in many standard D&O policies Broad definition of "loss," ensuring wider claims applicability Targeted “organization vs. insured person” exclusion focused only on collusive internal actions Comprehensive definition of "claim" that includes arbitration, mediation, extradition proceedings, subpoenas, and more Enhanced Outside Directorship Liability for insureds serving on external boards Coverage terms and pricing will vary depending on the carrier and the nature of the risk. Underwriting Notes and Minimum Premiums Each submission is reviewed individually, and underwriting requirements may differ by carrier. While there is no stated minimum premium, Colonial General works with a range of markets to match your client’s risk profile with the right solution. Submissions with prior claims, board governance issues, or operating in high-risk industries may require additional underwriting scrutiny. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted or non-admitted markets may vary by state and type of risk. Why Work With Colonial General Colonial General brings extensive experience and market access to help agents place complex management liability risks. As a trusted MGA and E&S broker, they provide responsive service, flexible policy structures, and guidance through the placement process. Whether you’re looking to protect the leadership of a growing nonprofit or secure D&O coverage for a mid-sized private firm, Colonial General is a strong partner for your clients’ evolving needs. 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 coverage 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, giving insureds stronger protection in complex scenarios. Are admitted markets available for this program?Yes, some admitted markets are available depending on the risk and the state. 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.