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Policy Highlights Colonial General Insurance Agency, Inc. provides a targeted insurance program for agencies and professionals in security and investigative services, with specific appetite for process servers. The program handles both armed and unarmed personnel and can be written monoline or packaged to include liability, property, crime, and professional liability exposures. Eligible classes also include private investigators, polygraphists, firearms training schools, and claims adjusters with limited draft authority. Ideal Accounts and Appetite This program is designed for agents placing high-liability businesses in the Western U.S. It works well for independent process servers and legal-support firms that need a combination of general liability, E&O, and optional property/crime protection. The program has particular strength in AZ, CA, CO, ID, NV, NM, UT, and WY. Example placements you might submit: A mid-sized Nevada legal support firm employing multiple process servers who handle civil service and court deliveries. A Colorado-based solo process server who also performs basic investigative tasks and needs combined liability and property coverage. Coverage Highlights and Advantages Commercial General Liability for Process Servers Primary limits available up to $3,000,000 occurrence and aggregate $5,000 Medical Payments included at no extra cost Assault and Battery coverage included at policy limits (optional sub-limits available to reduce premium) Errors & Omissions (E&O) coverage included to address professional liability exposures Additional Insureds available for $100 each Lost Key Coverage—$25,000 limit available under the Security and Patrol Program Property Damage Extension (Care, Custody, and Control)—$5,000 / $25,000 limits included Excess / Umbrella limits available up to $25 million Loss prevention brochure and risk-control resources to help reduce loss frequency and severity Property Coverage Options Available on Basic, Broad, or Special Form Options for Building, Business Income, and Contents coverage Valuation choices: Replacement Cost or Actual Cash Value Crime Coverage Theft of Money and Securities—Inside the Premises Robbery or Safe Burglary—Inside the Premises Outside the Premises coverage available Underwriting Notes and Minimum Premiums Colonial General places this business through multiple admitted and surplus markets, allowing flexibility on terms and pricing. Minimum premiums vary by carrier and account exposure; assault and battery sub-limits are commonly used for accounts where rate sensitivity is important. Underwriters will evaluate training, weapons policies, background screening, and loss history when considering submissions. Territories and Availability The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available depending on the risk profile and coverages requested; non-admitted (E&S) placements are an option for harder-to-place risks. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple carriers that specialize in security, investigative, and high-liability services. Agents benefit from flexible structure (monoline or package), tailored assault & battery options, and the ability to place both small operations and larger multi-state firms. From an agent’s perspective: you can use this program when a client needs higher limits, combined liability and E&O protection, or broader property/crime coverages that may be difficult to place in admitted markets. Colonial General provides underwriting guidance and loss-control materials to help your account qualify for the best terms available. Frequently Asked Questions What types of accounts are a good fit for this program?Process servers, private investigators, security firms, and legal support agencies operating in the Western U.S. are the primary focus. Is Errors and Omissions (E&O) coverage included?Yes. E&O coverage is included as part of the liability package to address professional exposures common to process servers and investigators. Are both armed and unarmed process servers eligible?Yes. The program covers both armed and unarmed personnel; terms reflect training, weapons policies, and background screening. Can I get Assault and Battery coverage at full policy limits?Assault and Battery is included at policy limits by default. Sub-limits are available as a premium-saving option for eligible accounts. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...y Highlights: As a lunch wagon or food truck owner, your vehicle is more than...00 miles to accommodate most regional food truck businesses. Is refrigerator b...

Frozen food and produce haulers face a distinct se...egetables, dairy, or other perishable foods using refrigerated trailers are id...

...ce program tailored for venues and food-service providers operating in event s...000. Do you offer coverage for mobile food vendors operating across multiple s...

...res, convenience stores, and small food retailers. This program is ideal for a...nts should be within the small retail food space to qualify. Agents are encour...

...and brokers placing small grocery, food, and convenience retail accounts. The ...l convenience stores, mini-marts, and food stores under 3,000 square feet, inc...

...tality establishments that provide food and entertainment Accounts with prior...iting. Are there coverage options for food spoilage and equipment breakdown?Yes. Both food spoilage and equipment breakdown ar...

Policy Highlights: Colonial General Insurance Agency, Inc. provides a focused Security Patrol Insurance program for agencies and contractors operating in higher-risk security and investigative roles. Whether your client employs armed or unarmed guards, operates K-9 units, conducts private investigations, provides process serving, or runs firearms training, this program is designed to deliver comprehensive liability and property protection tailored to those exposures. Eligible classes also include polygraphists, process servers, and claims adjusters with draft authority of $5,000 or less. Ideal Accounts and Appetite This program is well suited for a wide range of security-related businesses, including: Security guard and patrol companies (armed or unarmed) Contract firms using K-9 units Private investigation agencies Process serving operations Firearms certification instructors and training schools Claims adjusters with limited draft authority Typical fits include regional patrol companies that provide armed and unarmed guards for retail, construction, or event sites, and private investigators who also offer contract security or process serving. The program favors disciplined operations with documented training, written procedures, and loss control measures. Coverage Highlights and Advantages Commercial General Liability Coverage includes: Primary limits available up to $3,000,000 occurrence / aggregate $5,000 Medical Payments—automatically included Additional Interests—$100 each Assault & Battery—covered at full policy limits (optional sub-limits offered at discounted rates) Errors & Omissions Coverage Part for professional exposures Lost Key Coverage—$25,000 limit included Property Damage Extension for Care, Custody & Control—$5,000 / $25,000 limits Excess/Umbrella capacity available up to $25 million Loss prevention brochure and best practices guidance to support underwriting and risk control Property Coverage options include: Basic, Broad, or Special Forms Building, Business Income, and Contents coverage Replacement Cost or Actual Cash Value basis available 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 Colonial General can write coverage on a monoline or package basis and uses flexible underwriting to address the specific operations and exposures of each firm. Underwriting will consider employee hiring practices, training programs, weapons-handling controls, K-9 handling, and documentation of client contracts and scopes of work. Access to admitted and non-admitted markets helps place accounts that may require broader forms or higher limits. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some coverages are offered on admitted paper where available; Excess & Surplus options are used when the risk or jurisdiction requires non-admitted placement. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise in security and investigative exposures with broad market access. Their underwriters and market contacts allow you to place complex or hard-to-insure accounts with tailored forms, higher limits, and loss-control guidance — all aimed at keeping risks in forceable, well-documented programs. Learn more about Colonial General and their capabilities by visiting their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Security patrol firms, private investigators, process servers, firearms instructors, and adjusters with limited draft authority are all good fits, especially when they have documented training and client contracts. Are both armed and unarmed guards eligible?Yes. The program accepts accounts with armed or unarmed personnel, including operations that use guard dogs, subject to underwriting review of training and weapons controls. Is Assault & Battery coverage included?Yes. Assault & Battery is included at policy limits; sub-limits are available as a lower-cost option where appropriate. Which states is this program available in?Coverage is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I combine Property and Liability coverages?Yes. The program supports monoline or package placements, and property, crime, and excess limits can be added to match the client’s exposures. Need help placing an account? Connect with a market specialist.