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Policy Highlights for Christmas Tree Lots Insurance: Colonial General Insurance ...hose with temporary setups in parking lots, retail areas, or leased spaces dur...

...ds and recyclers Vehicle impound lots (fenced and gated) Auto dismantlers ...vage yards, auto dismantlers, impound lots, and operations with towing or auto...

...nd running events Christmas tree lots and pumpkin patches Firework display...

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Policy Highlights for Martial Arts Studio Insurance: Colonial General Insurance Agency, Inc. offers a specialized insurance program tailored for martial arts studios, including those offering training in boxing and wrestling (amateur only). Whether your client operates a small neighborhood dojo or a multi-discipline martial arts center, this program provides flexible coverage options designed to meet the unique risks associated with martial arts instruction and operations. Coverage is available on a monoline or package basis, allowing you to customize policies to fit your client’s specific needs. Ideal Accounts and Appetite This program is ideal for amateur-level martial arts training facilities, including those offering: Traditional martial arts (e.g., karate, taekwondo, judo) Boxing and wrestling classes (amateur only) Mixed martial arts schools with a focus on amateur instruction Self-defense and fitness-based martial arts programs Typical clients include small to mid-sized studios with a focus on instruction, not professional competition. Facilities with clean loss histories and a commitment to student safety are preferred. Coverage Highlights and Advantages Commercial General Liability Primary Limits up to $3,000,000 Occurrence / Aggregate Hired and Non-owned Auto coverage Excess or Umbrella Limits available up to $25,000,000 Included Coverages: Errors and Omissions Coverage Part Sexual and Physical Abuse Coverage – $50,000 per claim / $100,000 aggregate Medical Payments – $5,000 Limit Additional Interests – Blanket basis No deductible required Property Coverage Building and Business Personal Property Business Income and Extra Expense Computer Equipment Equipment Breakdown Outside Signs Accounts Receivable Valuable Papers Replacement Cost or Actual Cash Value (ACV) Basic, Broad, or Special Form 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 This program is available through various carriers, and Colonial General can tailor solutions based on individual account characteristics. While there is no published minimum premium, submissions should include complete applications and detailed risk information to ensure accurate quoting. The program is designed for amateur-level operations only — professional fighting schools or facilities hosting sanctioned competitions are not eligible. Territories and Availability Colonial General’s Martial Arts Studio Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some markets may be admitted depending on the state and specific exposure type. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. brings deep expertise and market access tailored to niche classes like martial arts facilities. Their underwriting team understands the unique exposures of training studios and offers responsive service, competitive pricing, and flexible coverage structures. Whether you're working with a startup dojo or an established multi-location studio, Colonial General offers solutions to help you protect your client’s business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for amateur-level martial arts studios, including those offering boxing, wrestling, karate, and self-defense training. Competitive or professional-level operations are not eligible. Is coverage available for both liability and property?Yes, coverage is available on a monoline or package basis and includes general liability, property, and crime coverage options. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are there any coverage limits for abuse or misconduct claims?Yes, Sexual and Physical Abuse coverage is included with a $50,000 per claim and $100,000 aggregate limit. Is there a deductible for liability coverage?No, there is no deductible required for the general liability portion of this program. Need help placing an account? Connect with a market specialist.

Policy Highlights: Medical laboratories and diagnostic testing centers provide essential information that clinicians depend on. Those operations face a mix of professional liability, bodily injury and property exposures—from reporting or analytic errors to sample contamination and equipment loss. Colonial General Insurance Agency, Inc. gives agents access to a targeted Medical Labs and Testing Centers Insurance program designed to protect labs, mobile collection services, and outpatient testing facilities against those core risks. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with deep experience placing niche healthcare risks across the Western U.S. Through our medical malpractice and allied healthcare markets, we help agents secure professional liability, general liability, and property coverage for diagnostic labs and testing centers. Whether your client is a small independent lab, a multi-site outpatient testing chain, or a mobile phlebotomy operation, our markets and underwriting team focus on efficient placement and tailored terms. Ideal Accounts and Appetite This program is designed for agents placing accounts such as: Independent diagnostic laboratories (blood, toxicology, genetics, pathology) Outpatient medical testing centers and specimen collection facilities Mobile phlebotomy and sample-collection services Non-emergency, non-experimental testing operations Accounts with current lab certifications, clean claims histories, and documented quality controls typically fit best. Labs performing high-risk, experimental, or investigational testing may require additional underwriting review or may be declined. Coverage Highlights and Advantages Medical malpractice and professional liability coverage written with lab-specific exposures in mind General liability and property coverage options to protect premises and equipment Coverage considerations for bodily injury or patient harm arising from testing errors, mislabeling, or sample contamination Access to both admitted and non-admitted markets depending on state and account characteristics Flexible underwriting to accommodate a range of specialties and risk control programs Markets available through Colonial General understand laboratory workflows and offer competitive terms for well-documented, compliant operations. Underwriting Notes and Minimum Premiums Underwriting focuses on the services performed, testing volume, certification and accreditation status, staff qualifications, documentation of quality assurance procedures, and loss history. Be prepared to provide a list of services, copy of lab certifications (e.g., CLIA or state equivalents where applicable), recent loss runs, and annual revenue to speed quoting. Minimum premiums are determined on a case-by-case basis and will vary by carrier and state. Our underwriters work with agents to identify the most appropriate market based on the risk profile and desired coverage structure. Territories and Availability This program is available to licensed agents and brokers placing business in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some admitted markets are available depending on jurisdiction and account characteristics; non-admitted options can broaden capacity for harder-to-place risks. Why Work With Colonial General? Colonial General brings decades of specialty experience in the Western U.S. wholesale market. We combine direct access to medical malpractice and allied healthcare carriers with a practical understanding of lab operations and regulatory expectations. Our underwriting team delivers fast responses, practical risk guidance, and placement options across admitted and excess & surplus markets. Examples you may see as an agent: A small independent blood-testing lab seeking medical professional liability and general liability coverage after expanding into genetic screening. A regional mobile phlebotomy provider looking for E&S capacity to cover multi-state sample collection operations and third-party specimen transport. These are representative scenarios—each account is evaluated on its own merits. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for independent diagnostic labs, mobile testing units, and outpatient testing facilities that perform non-invasive, routine medical testing and maintain required certifications. Is professional liability included in the coverage?Yes. Medical malpractice and professional liability tailored to laboratory and testing exposures are core components of the program. Are both admitted and non-admitted options available?Yes. Colonial General can access both admitted and non-admitted carriers depending on the state of placement and the account’s characteristics. What information is needed to get a quote?Provide services offered, lab certifications, recent loss history, annual revenue, number of locations, and any written quality-control procedures to help us quote quickly and accurately. 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.

Policy Highlights for Medical Equipment Supply Stores Insurance: Colonial General Insurance Agency, Inc. provides targeted insurance solutions for medical equipment supply stores, including businesses that sell, rent, or lease home health care products and provide delivery or in-home setup. This program is built for agents and brokers who need flexible property, liability, and professional liability options for clients handling durable medical equipment (DME), oxygen supplies, mobility aids, hospital beds, and similar products. Ideal Accounts and Appetite The program focuses on small- to mid-sized operations whose primary business is retailing, renting, leasing, delivering, or servicing home medical equipment. Eligible account types commonly include: Medical equipment rental and leasing stores Home health equipment dealers and suppliers Retailers of oxygen tanks, hospital beds, wheelchairs, scooters, and related products Accounts that combine retail sales, delivery, installation, and ongoing service or maintenance are a particularly good fit. Typical fits include single-location dealers and multi-location independents with local delivery routes. Accounts that generally do not fit include large national distributors, heavy manufacturing operations, or businesses with significant on-site medical procedures. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $1,000,000 per occurrence / $3,000,000 aggregate $5,000 in medical payments—automatically included Errors & Omissions (E&O) available up to policy limits to address professional liability exposures from fitting, setup, or advice Excess/Umbrella limits accessible up to $25,000,000 No liability deductible required Optional additional insured endorsements available for $100 each Crime Theft of money and securities inside the premises Robbery and safe burglary coverage for other property Coverage can extend to certain incidents occurring away from the premises Property Available on Basic, Broad, or Special Form Building, contents, inventory, and computer equipment Business income and equipment breakdown coverage options Accounts receivable and valuable papers Outdoor signs and replacement cost options Underwriting Notes and Minimum Premiums Policies can be written mono-line or as packaged programs so you can tailor limits and coverages to the account. Colonial General underwrites these risks through multiple carrier partners; appetite and terms vary by carrier and state. While minimum premiums differ by market and risk characteristics, this program is positioned to be competitive for common small-business profiles. Territories and Availability This program is available in the Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General places business in both admitted and non-admitted markets depending on the state and the client’s risk profile — admitted options are available in some states, with excess & surplus solutions used where appropriate. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple markets. Their team understands exposures common to medical equipment suppliers—product and premises liability, professional liability from medical device setup, property exposures from inventory and oxygen tanks, and business interruption—so you can place accounts efficiently with terms that reflect the risk. Examples you might place through this program: A single-location DME dealer that rents hospital beds and provides same-day delivery and setup for local customers. An independent retailer that sells oxygen supplies and offers routine maintenance and in-home equipment checks across several nearby counties. Whether your client is a storefront operator with delivery routes or a multi-location supplier, Colonial General offers underwriting flexibility and market access to help you secure appropriate coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Businesses that rent, sell, or lease home medical equipment—such as wheelchairs, oxygen machines, or hospital beds—are ideal candidates. Accounts that combine retail operations with delivery, installation, or servicing are especially well-suited. Is Errors and Omissions (E&O) coverage included?E&O coverage is available as part of the program and can be written up to the policy limits to address professional liability exposures from product setup, fitting, or advice. Are mono-line or package policies available?Yes. Colonial General offers the flexibility to bind mono-line property or liability policies or combine coverages into a tailored package to meet client needs. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted options depends on the state and the chosen carrier. What carrier options are available?Colonial General works with a variety of carriers and can place risks in admitted or excess & surplus markets depending on the account’s characteristics and the preferred placement strategy. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Mobile Mechanics Insurance program tailored for mobile auto repair professionals—whether working full-time, part-time, or from a fixed location. This program is designed specifically for the unique exposures faced by mobile mechanics, helping you provide your clients with broad protection for their operations, tools, vehicles, and customer property. Ideal Accounts and Appetite This program is ideal for mobile mechanics operating independently or with a small crew, including those who: Perform repairs on-site at customer locations or homes Operate towing services or roadside assistance Provide light mechanical work from a garage or shop Handle customer vehicles under their care, custody, or control Whether your client is just starting out or has an established mobile operation, this program can accommodate a wide range of risk profiles. Accounts with a clear loss history and well-maintained operations are preferred. Coverage Highlights and Advantages Colonial General’s mobile mechanic program includes Commercial Garage Coverage tailored to the needs of auto service professionals: Garage Liability Limits up to $1,000,000 per accident $3,000,000 General Liability Aggregate $5,000 Medical Payments 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 Broadened Coverage for additional peace of mind Property Coverage available Roadside Assistance operations acceptable Coverage extends to both the mechanic’s own service vehicles and customers’ vehicles while in their possession, providing well-rounded protection for on-the-go operations. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer flexible underwriting solutions through both admitted and non-admitted markets, depending on the state and risk profile. A detailed application and operational overview will help determine the best fit for your client. While specific minimum premiums may vary by market and state, this program is designed to be accessible for small to mid-sized operations. Contact Colonial General for underwriting guidelines and eligibility criteria. Territories and Availability This Mobile Mechanics Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche motor trade markets. Their longstanding relationships with a variety of carriers allow them to tailor coverage to meet the needs of non-standard and hard-to-place risks. You’ll benefit from responsive service, knowledgeable underwriters, and access to comprehensive coverage solutions for your mobile mechanic clients. Whether your client is a solo mobile mechanic offering roadside diagnostics or a multi-vehicle towing and repair operation, Colonial General can help you find the right fit. Place your next mobile mechanic account with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile mechanics, roadside assistance providers, and small auto repair businesses operating on-site or from a small garage. Is coverage available for customer vehicles in the mechanic’s care?Yes, Garage Keepers Coverage is included on a primary basis to protect customer vehicles while in the insured’s possession. Can this program accommodate towing operations?Yes, in-transit coverage is available for towing operations, making the program suitable for mechanics who also offer towing services. Which states is this program available in?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and state requirements. Need help placing an account? Connect with a market specialist.

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.