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Policy Highlights for Club Insurance: Colonial General Insurance Agency, Inc. offers a specialized Club Insurance program built for civic, luncheon, service, and social clubs — including fraternal lodges. The pro..., CA, CO, ID, NV, NM, UT, and WY. Are club members automatically covered under the liability policy?Club members can be included as Addition...

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Policy Highlights for Motel Insurance: Colonial General Insurance Agency, Inc. provides a focused Motel Insurance program tailored to the risks faced by lodging operations. Whether your client runs a small roadside motel, a mid-size motor inn, or a seasonal lodge, this program offers flexible Property and Liability coverages on a mono-line or packaged basis. The appetite includes hotels, motels, motor inns, tourist cabins and courts, dude ranches, and other similar hospitality businesses. Ideal Accounts and Appetite This program is built for businesses that provide overnight lodging and related services—food and beverage, limited recreation, and guest services. Preferred accounts have clean loss histories, basic risk management in place, and clear property descriptions. Strong fits include a family-owned 40-room motel in a tourist corridor or a lakeside lodge offering seasonal cabins and limited on-site dining. Accounts with large conference operations, extensive spa facilities, or significant tenant-occupied space may require additional underwriting review or alternative markets. Coverage Highlights and Advantages Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payments—included Additional interests included at no charge Hired and Non-Owned Auto Liability Innkeepers Liability Liquor Liability Excess/Umbrella capacity up to $25,000,000 Loss prevention brochure available to insureds Property Coverage Includes: Building and contents coverage Basic, Broad, or Special form options Business Income and Extra Expense Computer equipment and valuable papers Equipment breakdown protection Food spoilage coverage Accounts receivable coverage Inland marine and outside signs Replacement cost or actual cash value valuation options Crime Coverage Includes: Inside the premises—theft of money and securities Inside the premises—robbery or safe burglary of other property Outside the premises coverage Underwriting Notes Colonial General works with a mix of admitted and surplus markets to place both standard and hard-to-place risks. Provide clear operations descriptions, recent loss runs, and up-to-date property details to help underwriters assess exposures and speed placement. While minimum premiums vary by market and state, the program is structured to handle small to mid-sized lodging risks as well as accounts requiring higher limits or specialty enhancements. Territories and Availability This Motel Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines deep hospitality underwriting expertise with broad market access. Agents benefit from tailored coverage options (including innkeepers and liquor liability), high liability limits, and a streamlined submission process. Colonial General’s relationships with multiple admitted and non-admitted carriers help place accounts that need flexible terms or niche enhancements. Frequently Asked Questions What types of accounts are a good fit for this program?Hotels, motels, motor inns, resorts, tourist cabins, tourist courts, and dude ranches are strong candidates—particularly operations focused on overnight lodging with limited ancillary exposures. Is this program available on an admitted or non-admitted basis?Colonial General can access both admitted and non-admitted markets. The placement depends on the account’s size, location, and specific exposures. What limits are available under the General Liability coverage?Primary liability limits are available up to $3,000,000 Occurrence/Aggregate, with excess or umbrella capacity up to $25,000,000. Which states is this program offered in?This program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program include Liquor or Innkeepers Liability?Yes. Liquor Liability and Innkeepers Liability are available, subject to underwriting review and any state-specific requirements. Need help placing an account? Connect with a market specialist.

Policy Highlights for Special Events: Colonial General Insurance Agency, Inc. offers a dedicated Special Events Insurance program that helps agents and brokers place short-term event risks with flexible underwriting and wide coverage options. Whether your client is staging a small neighborhood fundraiser or a large public festival, this program supports tailored Property and Liability solutions on a mono-line or package basis. Ideal Accounts and Appetite This program fits a broad variety of temporary and seasonal events, including: Art and craft shows Bazaars and exhibitions Concerts and dances Festivals and fairs Bicycle and running events Christmas tree lots and pumpkin patches Firework displays and stands Haunted houses Meetings and trade shows Programs are designed for events with moderate to high foot traffic, temporary structures, rented equipment, and food or alcohol service. Coverages can be tailored to include liquor liability and crime exposures when needed. Example scenarios: You have a client running a three-day street festival with food vendors and live music — coverage can include general liability, liquor liability for vendor sales, and inland marine for rented equipment. You represent a nonprofit planning a one-day charity run with temporary road closures and high participant counts — the program can provide high occurrence limits and medical payments coverage to manage participant exposures. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence/Aggregate Liquor liability available for qualifying events Medical payments included—$5,000 limit Excess/Umbrella capacity up to $25,000,000 No deductible required in many cases Property Coverage: Building and contents for temporary structures Business income and equipment breakdown Computer equipment and outside signs Food spoilage and inland marine for transported or rented items Valuable papers and accounts receivable Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value options Crime Coverage: Inside the premises—Theft of money and securities Inside the premises—Robbery or safe burglary of other property Outside the premises coverage for in-transit exposures Underwriting Notes and Market Access Colonial General works with multiple admitted and non-admitted markets to provide flexible placement options. Underwriting emphasizes the specific exposures of each event—attendance, alcohol service, vendor operations, temporary structures, and security plans are key factors. There is no required minimum deductible, and submissions are streamlined for quick quoting and binding. Contact Colonial General to confirm carrier availability and appetite for higher-risk or high-attendance events. Territories and Availability This Special Events program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise with broad market access. Agents benefit from a responsive underwriting team, multiple carrier options (admitted and non-admitted where available), and experience placing complex or nonstandard event risks. Colonial General can help you structure limits and endorsements to match each event’s risk profile and deliver turnkey proposals to your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?Temporary and seasonal events—festivals, fairs, concerts, art shows, haunted houses, and food/beverage events—are a strong fit, including those requiring liquor liability. Can I get liquor liability coverage for events that serve alcohol?Yes. Liquor liability is available for qualifying events where alcohol is served or sold; underwriting will evaluate service method, controls, and vendor operations. Is there a minimum premium requirement for this program?Minimums vary by event type, location, and coverages selected. Reach out to Colonial General for specific underwriting thresholds and quick premium guidance. Which states is this program available in?This Special Events Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. How quickly can coverage be bound for a special event?Colonial General offers a streamlined submission and quoting process for most event risks, enabling fast turnaround on quotes and binding when required documents are provided. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible Sports League Insurance program designed to meet the unique needs of amateur athletic organizations. Whether your client manages a seasonal youth soccer league, a community basketball program, or a nonprofit athletic camp, this program provides tailored protection for non-contact sports organizations operating in AZ, CA, CO, ID, NV, NM, UT, and WY. Ideal Accounts and Appetite This program is a strong fit for local and regional amateur sports organizations, camps, clinics, and leagues focused on non-contact sports. Target classes include: Youth and adult recreational leagues Seasonal sports camps and clinics Community-based athletic programs Eligible sports include, but are not limited to, archery, baseball, basketball, bowling, cheerleading, golf, flag football, soccer, softball, tennis, and volleyball. Contact sports and high-risk athletic programs may be outside the program’s appetite. Reach out to Colonial General for underwriting clarification on fringe or high-risk activities. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis, allowing you to customize protection based on your insured’s operations. Highlights include: Commercial General Liability Primary limits up to $3 million per occurrence/aggregate Excess or Umbrella limits up to $25 million Included coverages: Additional Interests Medical Payments Coverage – $5,000 limit Limited Participant Liability – $25,000 per occurrence / $50,000 aggregate Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate No deductible Property Coverage Buildings, Contents, and Equipment Breakdown Business Income and Food Spoilage Accounts Receivable Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value Crime Coverage Theft of Money and Securities inside the premises Robbery or Safe Burglary of Other Property Coverage for losses occurring outside the premises Underwriting Notes Colonial General works with various carriers to offer access to both admitted and non-admitted markets, depending on the risk and location. While minimum premiums are not listed, underwriting flexibility allows room for a variety of account sizes, especially in community-based and nonprofit markets. Submissions should include details such as the type of sport, number of participants, location, and duration of events or seasons. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Agents operating in these Western states can rely on Colonial General’s regional knowledge and market access to place coverage efficiently. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep expertise in placing niche programs for specialty markets. With access to a variety of carriers and a flexible underwriting approach, they support agents in tailoring solutions for sports leagues and camps that face unique liability and property exposures. Their in-depth knowledge of regional risks and responsive service model make them a trusted partner for placing amateur sports accounts. Whether you’re helping a local youth soccer league secure liability coverage or working with a nonprofit that runs seasonal cheerleading clinics, Colonial General can help you find the right protection for your client’s activities. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amateur sports leagues, camps, clinics, and community-based athletic organizations involved in non-contact sports such as soccer, baseball, cheerleading, and tennis. Are contact sports eligible for coverage?Generally, this program focuses on non-contact sports. Contact sports may be outside the standard appetite, but you can contact Colonial General for specific underwriting guidance. What states is this program available in?The Sports League Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Is liability coverage available as standalone or only as part of a package?Liability coverage is available on a standalone (mono-line) basis or as part of a package with property and crime coverages. What limits are available for general liability?Primary general liability limits are available up to $3 million per occurrence and aggregate, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

Policy Highlights: Overview — Colonial General Insurance Agency, Inc. Swimming Pool Contractors Insurance Colonial General Insurance Agency offers a focused program for swimming pool contractors, installers, maintenance providers and pool management operations. As an MGA and Excess & Surplus lines broker, Colonial General places mono-line or package Property and Liability coverages through a variety of admitted and non-admitted markets (admitted paper is available in some markets). This program is designed for independent agents who need flexible limits, specialty endorsements for pool exposures, and access to umbrella/excess capacity. Ideal Accounts and Appetite Residential and small commercial pool builders and installers Pool service and maintenance contractors (weekly service, chemical application) Pool dealers and equipment installers Community and private pool management firms (including lifeguard operations) Per-project contractors working on single-site or small multi-site installations Typical accounts have straightforward install/maintenance operations, licensed contractors, and standard safety procedures. The program is not intended for large water parks, major aquatic complexes, or highly activated public municipal pools with significant spectator exposures — contact the MGA for borderline or larger accounts. Coverage Highlights and Advantages Commercial General Liability: Primary limits available up to $3,000,000 (Occurrence and Aggregate) $5,000 Medical Payments coverage included Chemical Applicator coverage included at policy limits (for accounts that apply pool chemicals) Excess / Umbrella capacity up to $25,000,000 where available Pool-specific endorsements and sub-limits: Pool “Pop-Up” coverage — typical sub-limits $50,000 / $100,000 (higher limits may be available) Lost Key coverage — $25,000 liability limit for maintenance or management classes Sexual / Physical Abuse sub-limits — $25,000 / $50,000 for management/lifeguard operations (higher limits available on request) Limited Participant Coverage and Errors & Omissions (E&O) — available for qualifying management accounts Property options: Basic, Broad or Special form; Building, Business Income, Contents, Equipment Breakdown; Replacement Cost or ACV Crime coverage: inside/outside premises, theft of money & securities, robbery/safe burglary options Included risk controls: Additional Insureds and Waiver of Subrogation endorsements for contractor relationships and project work Underwriting Notes Underwriting focuses on contractor experience, licensing, training for chemical handling, client type (residential vs. commercial), and safety procedures for lifeguard/management operations. Per-project aggregate and limits for project-based contractors are available; provide project values and contract terms with submission. Claims history, subcontractor controls, and written procedures for pool chemicals and lifeguard training materially affect pricing and terms. Carriers and terms vary by state and individual risk — Colonial General will guide you to admitted or E&S placement depending on availability and account specifics. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted capacity exists in some markets; otherwise risks are placed non-admitted through E&S carriers. Availability and forms differ by state — confirm market placement and capacity for each submission. Submission Checklist & Example Scenarios To speed placement, include: Completed application describing operations, payroll, receipts and number of pools serviced/installed Loss runs (3–5 years preferred) Copies of standard contracts and subcontractor agreements Safety and chemical handling procedures, lifeguard certification details if applicable Example scenarios: A local residential pool builder who installs fiberglass and gunite pools for single-family homes — needs CGL with per-project aggregate and limits up to $1–2M, plus installer’s property coverage for tools and equipment. A community pool management company that provides lifeguards for homeowner associations — needs liability with sexual/physical abuse sub-limits, limited participant coverage, and E&O protections for programming decisions. Why Place This Business With Colonial General Specialized underwriting for pool contractors and management exposures Access to admitted and E&S markets and high excess capacity where required Policy forms and endorsements tailored to pool-specific risks (chemical applicator, pop-up events, lost key, etc.) Responsive MGA placement and support for complex or multi-state accounts Frequently Asked Questions What types of pool-related businesses are a good fit for this program?Residential and small commercial pool builders, maintenance and service contractors, dealers/installers, and pool management firms with standard lifeguard programs are prime fits. Large aquatic parks and high-spectator venues typically do not fit this program. Are admitted policies available or is coverage only non-admitted?Colonial General places business in both admitted and E&S markets. Admitted options are available in some states/markets; if admitted capacity is not available for a particular risk, the program can place coverage through non-admitted carriers. What underwriting information helps secure the best terms?Provide recent loss runs, detailed descriptions of operations (installation vs. maintenance), contracts and subcontractor controls, chemical handling procedures, and lifeguard certification/training records for management accounts. These items help underwriters assess risk and offer appropriate limits. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Sports Camp Insurance program designed for amateur sports operations, including camps, clinics, leagues, and training programs. This program is available on a mono-line or package basis and provides comprehensive Property and General Liability coverage tailored to the unique risks of non-contact sports activities. Ideal Accounts and Target Classes This program is ideal for amateur sports organizations and youth athletic programs that focus on non-contact sports. Eligible classes include but are not limited to: Archery Baseball and Softball Basketball Bowling Cheerleading Golf Flag Football Soccer Tennis Volleyball You might have a client who runs a regional summer soccer camp or a youth basketball league—these are exactly the types of operations that fit well within this program’s appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3 million per occurrence and aggregate Excess or Umbrella limits available up to $25 million Included Coverages: Additional Interests Medical Payments—$5,000 limit Limited Participant Liability—$25,000 per occurrence / $50,000 aggregate Sexual and Physical Abuse Coverage—$25,000 per claim / $50,000 aggregate No deductible required Property Coverage Options: Building and Contents Business Income and Equipment Breakdown Food Spoilage Accounts Receivable Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Crime Coverage Options: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property Losses Outside the Premises Underwriting Notes Colonial General works with a range of carriers and offers flexible underwriting for qualifying risks. While there is no published minimum premium, competitive pricing is available depending on the risk profile and coverage limits selected. This program is best suited for well-managed amateur programs that emphasize safety and maintain proper supervision protocols. Territories and Availability The Sports Camp Insurance program is available through Colonial General in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Some markets are admitted, while others are non-admitted, depending on the state and specific risk. Why Work With Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep experience in placing niche and hard-to-place risks. Their focus on regional underwriting and access to both admitted and non-admitted markets allows agents to confidently place amateur sports and camp-related risks. When you partner with Colonial General, you gain access to responsive underwriters, tailored program options, and a streamlined submission process. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for amateur, non-contact sports camps, clinics, and leagues—such as youth basketball camps, summer soccer clinics, and community cheerleading programs. Is participant liability coverage included?Yes, limited participant liability coverage is included at $25,000 per occurrence and $50,000 aggregate. Are both property and liability coverages available?Yes, you can place Property and Liability coverage as a package or on a mono-line basis, depending on your client's needs. What states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Is this an admitted program?Some admitted markets are available, depending on the state and risk class. Colonial General also works with non-admitted carriers where appropriate. Need help placing an account? Connect with a market specialist.

Policy Highlights for Swimming Pool Management Insurance: Colonial General Insurance Agency, Inc. offers specialized Swimming Pool Management Insurance designed to protect a wide range of pool-related businesses. Whether your client operates a swimming pool management company, provides pool maintenance services, or staffs lifeguards, this comprehensive program delivers tailored coverage solutions. Available on a mono-line or package basis, this program is built to address the unique risks associated with aquatic facilities and services. Ideal Accounts and Appetite This program is a strong fit for agents who work with clients in the swimming pool industry, including: Swimming pool management companies Pool maintenance and cleaning services Pool contractors, dealers, and installers Facilities providing lifeguard staffing or swimming instruction You might have a client who manages multiple community pools or provides seasonal lifeguard services in residential neighborhoods—this program is built for those types of operations. It is ideal for both year-round and seasonal pool professionals with exposures related to chemical handling, premises liability, and participant safety. Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 per occurrence/aggregate $5,000 Medical Payments included Chemical Applicator Coverage at policy limits Excess/Umbrella limits up to $25,000,000 Additional Liability Features: Coverage for swimming pool contractors, dealers, and installers Per Project Aggregate Pool “Pop-Up” coverage: $50,000/$100,000 sub-limits (higher limits available) Additional Insureds and Waiver of Subrogation endorsements available Swimming Pool Maintenance: “Pop-Up” coverage: $50,000/$100,000 sub-limits Lost Key Liability: $25,000 limit Swimming Pool Management/Lifeguard Coverage: Lost Key: $25,000 limit Sexual and Physical Abuse: $25,000/$50,000 sub-limits (higher limits available) Errors and Omissions: up to policy limits Limited Participant Coverage: $25,000/$50,000 sub-limits Property Coverage: Basic, Broad, or Special Form Building, Business Income, and Contents Equipment Breakdown Replacement Cost or Actual Cash Value 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 and Market Access Colonial General works with a variety of carriers to match your client's needs. Depending on the risk, both admitted and non-admitted options may be available. Their team understands the nuances of swimming pool operations and can provide guidance during the submission process to help you find the right fit. While minimum premium requirements vary, accounts must meet underwriting guidelines related to safety practices, staffing, and chemical handling procedures. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. If you operate in these states and have clients in the pool services space, Colonial General offers the market access and expertise to support your placement efforts. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in placing niche and hard-to-place accounts. Their dedicated underwriting team has deep experience in pool-related exposures and offers responsive service to help agents secure coverage efficiently. Whether you're placing a single lifeguard staffing account or a larger pool management operation, Colonial General delivers flexible solutions and competitive options for your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for swimming pool management companies, maintenance services, lifeguard staffing firms, and pool contractors or installers operating in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program include coverage for lifeguards and swim instructors?Yes, coverage options include Errors and Omissions, Participant Liability, and Sexual and Physical Abuse sub-limits specifically designed for lifeguard and swim instruction operations. Are both property and general liability available?Yes, you can write property and liability on a mono-line or package basis, depending on your client’s needs. Are higher limits available for Pool “Pop-Up” or Abuse coverage?Yes, while the program includes standard sub-limits, higher limits are available depending on underwriting approval. Can this program be written on an admitted basis?Some admitted markets are available, depending on the risk and location. Colonial General also has access to non-admitted options when needed. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Technical School Insurance Program designed for agents and brokers seeking comprehensive coverage solutions for private educational institutions. This program is an excellent fit for private elementary, middle, and high schools, as well as private technical, trade, and vocational schools that offer job-specific certification programs. Learning centers and tutoring operations are also eligible under this program. Ideal Accounts and Appetite This program targets educational institutions that provide hands-on or career-focused training, including cosmetology schools, HVAC and electrical trade schools, automotive training centers, and other technical or vocational programs. It is also a good fit for private K–12 schools and tutoring centers that require tailored property and liability protection. Accounts should have structured curriculums, appropriate safety protocols, and be privately operated. Public institutions and schools with high-risk training (e.g., heavy machinery or flight schools) may fall outside of appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence / Aggregate Teachers’ Errors & Omissions coverage included $5,000 Medical Payments—Included Sexual and Physical Abuse coverage—Included ($25,000 per claim / $50,000 aggregate) Excess or Umbrella limits available up to $25,000,000 No deductible required Property Coverage: Building and Contents Business Income and Extra Expense Accounts Receivable Electronic Data Processing Equipment Breakdown Food Spoilage and Outside Signs Valuable Papers Available on Basic, Broad, or Special Form Replacement Cost or Actual Cash Value options Crime Coverage: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Losses Outside the Premises Underwriting Notes and Minimum Premiums Colonial General underwrites through a variety of carriers and offers flexible solutions depending on the risk profile. While minimum premium requirements vary by market, they are competitive for technical and private school accounts. Submissions should include full details on curriculum, student population, staff, and facility safety measures. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary by coverage part and market. Why Work With Colonial General As a Managing General Agency and E&S broker, Colonial General Insurance Agency, Inc. brings deep expertise in niche education-related risks. Agents benefit from access to both admitted and non-admitted markets, responsive underwriting, and a partner that understands the unique exposures faced by private and technical schools. Whether you're placing a small tutoring center or a multi-location vocational training institute, Colonial General can help tailor coverage to fit your client's needs. Frequently Asked Questions What types of accounts are a good fit for this program?Private technical, trade, and vocational schools, as well as private K–12 schools, tutoring centers, and learning institutes offering job-specific certifications. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does this program include abuse and molestation coverage?Yes, the policy includes Sexual and Physical Abuse coverage with $25,000 per claim and $50,000 aggregate limits. What types of property coverage are included?Coverage includes buildings, contents, business income, equipment breakdown, electronic data, valuable papers, and more. Is this program available on an admitted basis?Some markets are admitted depending on the risk and location. Colonial General offers access to both admitted and non-admitted carriers. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Trade School Insurance program designed specifically for private technical, vocational, and trade schools, as well as private elementary, middle, and high schools with specialized curriculums. This program also includes coverage eligibility for learning centers and tutoring facilities. Coverage is available on a mono-line or package basis, offering flexibility to meet your clients' needs. Ideal Accounts and Appetite This program is ideal for private institutions that offer job-focused training, certification programs, or technical education. Examples include cosmetology schools, HVAC training centers, welding schools, and computer programming academies. You can also place accounts for tutoring centers, test prep centers, and after-school learning programs. Target accounts include schools that: Offer job-specific certification or technical training Operate as private institutions (not public or charter schools) Provide educational services in a structured setting Coverage Highlights and Advantages Commercial General Liability Coverage: Primary Limits up to $3,000,000 Occurrence / Aggregate Errors and Omissions Coverage for Teachers $5,000 Medical Payments Coverage—Included Sexual and Physical Abuse Coverage—$25,000 Per Claim / $50,000 Aggregate Excess or Umbrella Limits up to $25,000,000 No deductible required Property Coverage: Available on Basic, Broad, or Special Form Building and Contents Business Income and Extra Expense Electronic Data Processing (EDP) Equipment Equipment Breakdown & Food Spoilage Accounts Receivable & Valuable Papers Replacement Cost or Actual Cash Value Outside Signs Crime Coverage: Theft of Money and Securities—Inside the Premises Robbery or Safe Burglary of Other Property—Inside the Premises Loss or Theft—Outside the Premises Underwriting Notes and Minimum Premiums Colonial General underwrites each submission carefully to ensure a good fit. While minimum premium details are not specified, this program is structured to accommodate a wide range of school sizes and operational models. Submissions should include full details about the school’s operations, student count, and current insurance program. Territories and Availability This Trade School Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage is written through a variety of carriers with both admitted and non-admitted markets available, depending on the risk and state regulations. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in specialty education risks. They offer agents access to multiple markets and tailored underwriting for private educational institutions. With a focus on dependable service and flexible coverage options, Colonial General is a trusted partner for placing trade school and technical education accounts. You might have a client running a private cosmetology school in Nevada or a small HVAC training center in Utah—Colonial General can help you find the right solution to protect their property, staff, and students. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include private trade, technical, and vocational schools, as well as tutoring centers and private K-12 institutions offering job-specific certification programs. Is this program available in admitted markets?Some admitted markets are available depending on the risk profile and state. Colonial General also offers access to non-admitted markets when needed. What coverages are included in the liability policy?The liability policy includes general liability, E&O for teachers, medical payments, abuse and molestation coverage, and optional umbrella limits up to $25 million. Can I submit a mono-line policy request?Yes, both mono-line and package policy submissions are accepted, depending on the specific coverage needs of the school. Which states is this 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.