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Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Tire Dealers Insurance Program designed specifically for tire dealers and related automotive businesses. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General works with a variety of carriers to provide tailored solutions that address the unique risks faced by tire retailers, installers, and service operations. Overview of the Program From Colonial General This program is built for tire dealers that need specialized Commercial Garage coverage. Whether your client operates a single-location tire shop or a multi-bay service center, Colonial General can help you place coverage to meet their operational and liability exposures. Our experienced team is ready to assist with underwriting guidance and fast turnaround times. Ideal Accounts and Appetite The Tire Dealers Insurance Program is suitable for businesses involved in: New tire sales and installation Tire repair and balancing services Auto garages with tire-related services Specialty tire dealers (e.g., off-road, equipment tires) Used tire sales may be considered on a case-by-case basis. However, accounts engaged in recap, retread, or remanufactured tire services are excluded. "AS IS" auto sales are acceptable under the program. Coverage Highlights and Advantages The program offers a strong suite of coverages to protect your tire dealer clients from both common and specialized risks: Garage Liability Limits up to $1,000,000 per accident $3,000,000 Liability Aggregate Garage Keepers Coverage on a primary basis with specified causes of loss Dealers Physical Damage False Pretense Coverage Fire Legal Liability In-Transit Coverage for towing operations Broad Form Garage Endorsements $5,000 Medical Payments Property Coverage available Underwriting Notes and Minimum Premiums Colonial General evaluates each account individually. While no specific minimum premium is listed, accounts should demonstrate sound risk management practices and fall within the target class profile. Our underwriters are happy to work with you to determine eligibility and pricing. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options are available depending on the risk and market availability. Why Work With Colonial General Colonial General brings decades of experience serving agents and brokers in the Western U.S. We specialize in hard-to-place commercial risks and niche programs, offering access to a wide range of carriers and competitive solutions. Our team is responsive, knowledgeable, and committed to helping you grow your book of business with quality markets. If you have a tire shop client looking to expand into specialty tire sales or an automotive garage that needs stronger liability protection, Colonial General can help you secure the right coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include retail tire dealers, tire installation and repair shops, and specialty tire dealers such as those selling off-road or equipment tires. Are used tire sales eligible for coverage?Used tire sales may be considered depending on the nature of the operation. However, recap and retread tire services are excluded from this program. Is this program admitted or non-admitted?Both admitted and non-admitted markets are available depending on the state and risk profile. What states is this program available in?The Tire Dealers Insurance Program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I place coverage for a shop that also sells vehicles?Yes, "AS IS" auto sales are acceptable under this program, subject to underwriting review. Need help placing an account? Connect with a market specialist.

Policy Highlights for Truckers Insurance: Colonial General Insurance Agency, Inc. offers a Truckers Insurance program tailored for trucking operations and express delivery companies. Whether your client runs a single truck or a multi-vehicle fleet, with or without warehouse exposure, Colonial General can place coverage as a monoline or as part of a package to meet transportation and property needs. Ideal Accounts and Appetite This program is best for independent owner-operators, small to mid-sized fleet owners, and regional express delivery businesses. Colonial General will consider accounts with associated warehousing, refrigerated transport, and mixed cargo types. The program is especially useful for risks that do not cleanly fit standard market appetites or that need specialized liability, property, or warehouse legal liability terms. You might have a client who operates a regional express shipping company with a small warehouse in Utah, or an owner of refrigerated trucks servicing the Southwest — both are strong candidates for placement through this program. Coverage Highlights and Advantages Commercial General Liability Coverage available for truckers insurance: • Primary limits up to $3,000,000 per occurrence and aggregate • $5,000 Medical Payments Coverage — included • Additional Interests — $100 each • Excess or Umbrella limits available up to $25,000,000 Crime Coverage available: • Inside the Premises — Theft of Money and Securities • Inside the Premises — Robbery or Safe Burglary of Other Property • Outside the Premises Property Coverage available: • Accounts Receivable • Basic, Broad, or Special Forms • Building and Contents • Business Income and Equipment Breakdown • Computer Equipment and Food Spoilage • Outside Signs • Replacement Cost or ACV valuation • Valuable Papers • Warehouse Legal Liability — up to $50,000 Underwriting Notes Colonial General places Truckers Insurance on admitted or non-admitted paper depending on the carrier appetite and state. The MGA works with multiple carriers to provide flexible underwriting and placement options. Minimum premiums and specific terms vary by market and risk characteristics; discuss details with a Colonial General market specialist when submitting. Territories and Availability This Truckers Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General’s regional underwriting expertise in these Western states helps when placing accounts with localized exposures or state-specific requirements. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General has targeted experience placing transportation and warehouse-related risks. Agents benefit from: access to multiple carriers, underwriting flexibility for non-standard accounts, and program terms that can include both liability and property solutions. If you have transportation business that’s hard to place in the admitted market, Colonial General is positioned to help find capacity and structure coverage. Frequently Asked Questions What types of accounts are a good fit for this Truckers Insurance program?This program is ideal for small to mid-sized trucking companies, independent owner-operators, express delivery firms, and accounts that include warehousing or refrigerated transport exposures. Can I submit risks with warehousing and refrigeration exposures?Yes. Colonial General will consider accounts with on-site warehousing and refrigerated transport, subject to details of operations, values, and loss-control measures. Is this program available on an admitted basis?Some markets are available on an admitted basis while others may be placed non-admitted. Availability depends on the state, carrier, and risk profile. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the liability coverage?Primary general liability limits are available up to $3,000,000 per occurrence/aggregate, and excess or umbrella limits can be placed up to $25,000,000 depending on the carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Welding Insurance program designed for contractors performing welding or cutting services for others. This program is ideal for accounts with limited exposure—specifically, those with no more than 15% of their gross receipts coming from metal erection or machinery/equipment installation, servicing, or repair. It is not intended for risks primarily involved in fabrication work. Ideal Accounts and Appetite This program targets small to mid-sized mobile or on-site welding contractors. Suitable accounts include independent welders performing repairs, maintenance, or specialty welding in commercial or industrial settings. For example, if you have a client who performs mobile welding on construction sites but has minimal involvement in structural steel erection, this program could be a strong fit. Accounts that focus heavily on fabrication or have significant exposures related to equipment installation or servicing are outside the appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3 million occurrence/aggregate Medical Payments Coverage included with a $5,000 limit Excess or Umbrella limits up to $25 million available Minimum deductible of $500 applies Crime Coverage: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Property Coverage Options: Basic, Broad, or Special Form Building and Business Personal Property Accounts Receivable Business Income Computer and Contractors’ Equipment Equipment Breakdown and Installation Floater Outside Signs Valuable Papers Replacement Cost or Actual Cash Value Underwriting Notes and Minimum Premiums While underwriting flexibility is available, a minimum deductible of $500 is required. Accounts should be well-managed with a clear focus on welding or cutting services. Risks primarily engaged in fabrication are not eligible. Submit complete applications with accurate revenue breakdowns to ensure proper classification and pricing. Territories and Availability This Welding Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options are available, depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty contractor programs. By working with Colonial General, you gain access to a variety of markets and tailored underwriting support for welding-related accounts. Their focus on regional availability and practical coverage solutions makes them a valuable partner for agents and brokers placing niche contractor risks. Frequently Asked Questions What types of accounts are a good fit for this Welding Insurance program?Independent welding contractors who perform on-site or mobile services with limited involvement in metal erection or equipment installation are a good fit. Fabrication-focused businesses are not eligible. Is the program available on an admitted basis?Some markets are available on an admitted basis, depending on the state and nature of the risk. Non-admitted options are also offered. What is the maximum liability limit available?The program offers primary liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million. In which states is the program currently available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What are common reasons a risk may not be eligible?Risks primarily involved in fabrication, or those with more than 15% of receipts from metal erection or equipment installation, generally do not qualify. Need help placing an account? Connect with a market specialist.