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...gram designed to help agents place Food Banks and Soup Kitchens. The Food Banks/Soup Kitchens Insurance program ...olunteers and have limited commercial food manufacturing are a good fit. Does ...

RESTAURANT/FOOD SERVICE INSURANCE Empire State Brokerage Services LLC offers a focused Food Service Insurance program designed for a broad range of food and beverage operations. With access t...s’ compensation, assault and battery, food spoilage, business interruption, an...

...nce program designed for caterers, food trucks, ice cream vendors, concession trailers, and other mobile food-service providers. Whether your client...m?This program is ideal for caterers, food trucks, concession trailers, and ic...

...vice, temporary staff, volunteers, food vendors, and large crowds are involved...nted venue with a hired bartender and food trucks; or a local nonprofit runnin...

... is built for deli and grab-and-go food operations that prepare items such as ...upport Experienced underwriting for foodservice exposures Whether you are p...

...pair that service with an elevated food experience—accounts that often don’t f...ry focus on wine service and a robust food menu are ideal. Establishments shou...

...s and operators engaged in site preparation, lot grading, trenching and simila...rogram?Contractors focused on site preparation, lot grading, trenching and gen...

...ted goods — produce, dairy, frozen foods and other temperature-sensitive loads...t haul refrigerated produce or frozen foods and maintain their equipment regul...

Policy Highlights: Colonial General Insurance Agency, Inc. offers Accountants Professional Liability Insurance tailored to meet the needs of accounting professionals and firms of all sizes. Overview of the Program From Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, providing flexible solutions for accountants' professional liability exposures. This program is designed to help independent agents place coverage for accounting firms facing risks related to errors, omissions, or negligence in the performance of professional services. Whether your client is a sole practitioner or a mid-sized accounting firm, Colonial General can help you find the right fit. Ideal Accounts and Appetite This program is suited for a broad range of accounting professionals, including: Certified Public Accountants (CPAs) Bookkeepers and tax preparers Small to mid-sized accounting firms Firms providing audit, consulting, or advisory services Accounts with a clean loss history and a focus on traditional accounting services are typically a strong fit. Higher-risk exposures such as forensic accounting or investment advisory services may require additional underwriting. Coverage Highlights and Advantages Colonial General’s Accountants Professional Insurance program provides protection against claims alleging negligence, errors, or omissions in the delivery of professional accounting services. Key features include: Limits available starting at $100,000/$300,000 Various deductible options to suit different risk appetites First Dollar Defense available depending on carrier approval Claims Expense Outside the Limits may be offered based on carrier discretion Coverage terms and premiums will vary depending on the carrier and specific risk profile of the insured. Underwriting Notes and Minimum Premiums Each submission is underwritten based on the size, scope, and services of the accounting firm. Clean operations with clearly defined service offerings and low claims frequency are typically easier to place. While minimum premiums are not specified, competitive pricing is available for qualifying risks through Colonial General’s carrier network. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and jurisdiction. Why Work With Colonial General With deep expertise in professional liability and access to a variety of national and regional carriers, Colonial General provides agents with responsive service and flexible options for placing hard-to-place or niche accounting risks. Their team understands the unique exposures faced by today’s accounting professionals and works closely with agents to deliver tailored coverage solutions. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for CPAs, bookkeeping firms, tax preparers, and small to mid-sized accounting firms providing traditional accounting services. Are First Dollar Defense and Claims Expense Outside the Limits included?These features may be available depending on the carrier and underwriting review. Availability is determined on a case-by-case basis. Can this program cover firms with prior claims?Firms with prior claims may still be eligible, but underwriting will evaluate the severity, frequency, and nature of past claims before making a decision. In which states is this program available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What documentation is needed to submit an account?Typically, an application, firm brochure or website, and loss runs (if applicable) are required. Additional documents may be requested based on the submission. Need help placing an account? Connect with a market specialist.

Policy Highlights: If you’re placing business for clients that handle post-eviction or foreclosure property cleanup, Colonial General Insurance Agency, Inc. offers a focused Eviction Cleanup Insurance program designed for that niche. The program provides Property and Liability coverage, available mono-line or as a package, for contractors and service companies that restore homes, apartments, condominiums, and commercial properties after a tenant or owner has been removed. Ideal Accounts and Appetite This program fits contractors and service providers who prepare residential or commercial properties for resale or re-rental following eviction, foreclosure, or abandonment. Typical operations we can place include: Removal of trash and personal belongings General cleaning, sanitization, and deodorization Cosmetic repairs and interior painting Floor refinishing, carpet removal/installation Landscape maintenance and exterior cleanup Examples: you might have a company that manages turnover cleaning for multiple apartment complexes, or a contractor who restores foreclosed homes for real estate clients—both are strong fits. Accounts with well-documented operations, routine job-site controls, and a history of property restoration are preferred. Coverage Highlights and Advantages Commercial General Liability: Primary limits available up to $3 million (per occurrence and aggregate) Excess or Umbrella capacity up to $25 million Included at no additional charge: Lost Key Coverage – up to $25,000 Medical Payments – up to $5,000 Blanket Additional Insureds when required by contract or permit Primary and Noncontributory wording (CG 20 33) Blanket Waiver of Subrogation per prior written agreement Per-project aggregate limits available Property Coverage: Building and Contents Business Income and Extra Expense Computer Equipment and Valuable Papers Outside Signs and Equipment Breakdown Inland Marine and Accounts Receivable Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value (ACV) options Crime Coverage: Inside Premises – Theft of Money and Securities Inside Premises – Robbery or Safe Burglary of Other Property Outside the Premises coverage Underwriting Notes and Minimum Premiums Colonial General works with a range of carriers and can access admitted and non-admitted markets depending on the risk profile and state. Underwriters favor clean, documented accounts with routine safety controls and clear operational boundaries (e.g., scope of work limited to non-structural repairs unless otherwise declared). Minimum premiums vary by carrier and state—submit full application details, loss history, and photos when possible to speed placement. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability and admitted options depend on the state and specific risk characteristics. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings underwriting expertise and market access tailored to niche and hard-to-place risks. Agents benefit from responsive underwriting, flexible structure (admitted and non-admitted options), and packaged solutions that combine liability, property, and crime coverage specific to eviction/foreclosure cleanup operations. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include contractors and service providers who clean and prepare residential or commercial properties for resale or rental after eviction, foreclosure, or abandonment—tasks such as trash removal, cleaning, painting, and minor repairs. Is this program available on an admitted basis?Some admitted markets are available depending on the risk and state. Colonial General also has access to non-admitted carriers to provide alternative options when admitted capacity is limited. What is the maximum liability limit available?Primary commercial general liability limits are available up to $3 million per occurrence and aggregate, with excess or umbrella capacity up to $25 million. Are additional insureds included in the policy?Yes. Blanket additional insured coverage is included when required by contract, written agreement, or permit for ongoing operations. Which states is this program available in?The program is currently available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.