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Restaurant BOP NO ALCOHOL SALES! Fast Food Restaurant Insurance Program from Gladius Insurance Services, LLC Gladius Insurance Services, LLC offers a specialized Fast Food Restaurant Program for independent agents and brokers seeking a streamlined way to place quick-service and limited-cooking restaurant accounts. The program provides tailored Businessowners Policy (BOP) coverage for restaurants that do not serve alcohol and that meet defined underwriting criteria. With access to multiple markets and broad state availability, Gladius helps agents secure competitive property and liability protection for fast food operations. Ideal Accounts and Target Appetite This program fits quick-service and limited-cooking restaurants that operate without alcohol sales. Typical eligibility per location includes: Up to 75 employees Building and BPP values up to $5 million Up to $5 million in annual revenue per location (policy aggregate up to $15 million) Maximum 7,500 square feet Off-site catering revenue must be 10% or less of total annual gross sales. Target classes include: Chicken, hamburger, hotdog, and roast beef shops Donut and coffee shops Pizza shops and delicatessens Ice cream and yogurt stores Concession stands and snack bars Ethnic-style fast food restaurants Retail bakeries (with or without on-premises baking) Take-out only restaurants and cafes Ineligible risks: 24-hour operations, locations that sell alcohol or offer live entertainment, facilities with open broiling or solid-fuel cooking, and buildings constructed with EIFS. Coverage Highlights The Fast Food Restaurant Program is built around a BOP with optional endorsements to broaden protection. Highlights include: Building and Business Personal Property limits up to $5 million per location Business Income — 12 months actual loss sustained, with options to extend indemnity up to 360 days Extra Expense, Civil Authority, Debris Removal, and Fire Department Service Charges Protection for Electronic Data, Pollutant Cleanup, Outdoor Property, Valuable Papers, and similar exposures Liability limits up to $2 million per occurrence with a 2X aggregate option Medical payments and tenant fire liability available Optional enhancements include Employee Dishonesty, Equipment Breakdown, Spoilage, Food Contamination, and Hired/Non-Owned Auto Liability (delivery exposures are excluded). Underwriting Guidelines and Minimums New ventures are eligible when owners or managers have at least three years’ prior restaurant ownership or food-service management experience. All eligible locations must maintain: A central station–connected automatic fire alarm An automatic cooking exhaust and extinguishing system Minimum premium varies by state, submission characteristics, and selected endorsements. Contact Gladius for full underwriting guidelines and minimum-premium detail. Available States This program is available in the following states: AL, AZ, CA, CO, CT, FL, GA, ID, IL, IA, MI, NV, NJ, NM, NY, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA. Why Work with Gladius Insurance Services? As a managing general agency, Gladius combines niche underwriting expertise with wide market access to serve the fast-food and limited-cooking segment. Agents benefit from clear eligibility rules, competitive property and liability options, and flexible endorsements to address common restaurant exposures. Gladius's team focuses on efficient submissions and practical underwriting that makes placement easier for routine and moderately complex fast-food accounts. You might have a client opening a second location for a growing café franchise; this program can provide consistent BOP terms across locations. Or you may be placing a new donut shop whose owner brings prior restaurant management experience — that owner-based experience can help qualify a new venture for coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Fast food and limited-cooking restaurants without alcohol sales, under 7,500 square feet, and generating less than $5 million in revenue per location are the ideal fits. Are new ventures eligible for coverage?Yes. New restaurants may qualify if the owners or primary managers have at least three years of restaurant ownership or food-service management experience. Is 24-hour operation allowed under this program?No. 24-hour operations are not eligible. What fire protection systems are required?Eligible locations must have a central station–connected automatic fire alarm and an automatic cooking exhaust and extinguishing system in place. In which states is this program available?Coverage is available in AL, AZ, CA, CO, CT, FL, GA, ID, IL, IA, MI, NV, NJ, NM, NY, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, and WA. Need help placing an account? Connect with a market specialist.

Policy Highlights for Bed and Breakfast Insurance: Overview — Colonial General Insurance Agency, Inc. Bed and Breakfast Insurance Colonial General Insurance Agency, Inc. offers property and liability coverages written on a mono-line or packaged basis for residential homes operated as bed and breakfasts or country inns. The program is designed for owner-operated properties with traditional B&B operations — guest rooms, limited on-site dining, and modest guest services — and accepts exposures up to a maximum of 10 rooms per location. Coverage is available through a mix of admitted and excess & surplus solutions depending on the state and risk characteristics. Ideal Accounts and Appetite Owner-occupied bed & breakfasts and country inns with up to 10 guest rooms. Properties with limited food service (breakfasts and light meals) rather than full-service commercial restaurants. Converted historic homes, small inns, and rural lodgings where the owner lives on-site or nearby. Accounts with reasonable maintenance, functioning protective devices (smoke detectors, fire extinguishers), and documented safety procedures. Generally not a fit: large inns or hotels, properties with more than 10 rooms, full-service restaurants or event venues with high-exposure special events, or operations with significant liquor liability without proper controls and underwriting. Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 occurrence/aggregate; Innkeepers liability included; $5,000 medical payments included; additional interests covered. Excess/Umbrella: Limits available up to $25,000,000 (subject to underwriting and carrier availability). Property Options: Building, Business Personal Property, Business Income, Replacement Cost or ACV, Basic/Broad/Special forms, Equipment Breakdown, Computer Equipment, Valuable Papers, Accounts Receivable, Household Personal Property. Additional Property Coverages: Food Spoilage, Inland Marine, Outside Signs. Crime Coverage: Theft of money/securities inside premises, robbery or safe burglary of other property, and outside-the-premises coverage options. Underwriting Notes and Submission Checklist Underwriters will evaluate operations, construction, occupancy, fire protection, and loss history. Common information requested on submission: Completed application and ACORD forms. Current loss runs (typically 5 years). Property address, number of guest rooms, and description of food service (on-site kitchen hours, staff, alcohol sales). Photos of exterior, guest rooms, and any commercial kitchen or common areas. Revenue breakdown (room revenue vs. food/service revenue) and details on special events if any. Note: alcohol service, weddings or large events, and full-time restaurants may trigger additional underwriting requirements or exclusions and could be better placed through specialized hospitality programs. Territories and Admitted Status Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Carrier availability varies by state and risk. Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, so some risks may be placed in admitted markets where available; other risks will be placed in E&S markets when necessary. Please confirm admitted availability for the state and account you are submitting. Why Work With Colonial General Insurance Agency, Inc. on Bed & Breakfast Business Dedicated B&B/hospitality appetite tailored for small owner-operated inns. Access to multiple carriers and both admitted and non-admitted markets to find the most appropriate placement. Flexible packaging — choose mono-line property or liability, or a combined package — and options for excess limits and crime coverage. Underwriting that considers the operational details important to B&B owners (limited dining, resident owner, safety controls). Example Accounts That Fit This Program A restored Victorian home in Colorado operating as a six-room B&B, owner on-site, serves breakfast only — needs property, liability, and innkeepers coverage with business income and equipment breakdown. A four-room country inn in New Mexico with a small on-site kitchen for morning and afternoon service, seeking liability limits of $1,000,000 and umbrella capacity — admitted and E&S options explored depending on local availability. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Bed and Breakfast program?Owner-occupied bed & breakfasts and small country inns with up to 10 guest rooms, limited food service (typically breakfast and light meals), documented safety procedures, and standard hotel/inn exposures. Larger inns, full-service restaurants, or venues that host frequent large events may not fit this program. What liability and property limits are available?Primary commercial general liability limits are available up to $3,000,000 occurrence/aggregate, with innkeepers liability and $5,000 medical payments included. Excess/umbrella capacity is available up to $25,000,000 depending on the risk and carrier appetite. Property coverages include building, BPP, business income, equipment breakdown, and optional inland marine and crime coverage. Are admitted policies available or is this strictly E&S?Colonial General has access to both admitted and excess & surplus markets. Some risks may be placed on admitted paper in eligible states; others will be placed in E&S depending on the property, occupancy, and state of placement. Confirm admitted availability at submission. What documents should I include with a submission to speed underwriting?Provide a completed application and ACORD forms, current loss runs (preferably 5 years), photos of the property, a description of food and alcohol service, revenue breakdown, and any safety/protective device information. Clear information on room counts and guest capacity is particularly helpful. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Bakery Insurance program designed to meet the needs of businesses involved in baking and selling baked goods. Whether your client operates a small retail bakery, a wholesale baking plant, or a combination of both, this program provides flexible coverage options to help protect their business assets and operations. Ideal Accounts and Appetite This program is ideal for: Retail bakeries Wholesale baking operations Commercial bakery plants Specialty pastry and dessert shops Accounts producing or selling baked goods on-site or through distribution channels are a strong fit. Businesses with clean loss histories and a strong commitment to safety and food handling standards are preferred. Operations with on-site cooking, delivery, and custom baking services can be accommodated. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payment Coverage — Included Additional Interests — Included Hired and Non-Owned Auto Liability Excess or Umbrella limits available up to $25,000,000 No deductible required Property Coverage Options: Building and Business Personal Property Business Income and Extra Expense Equipment Breakdown and Computer Equipment Food Spoilage and Inland Marine Accounts Receivable and Valuable Papers Basic, Broad, or Special Form options Outside Signs and Replacement Cost or Actual Cash Value Crime Coverage Available: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Theft, Robbery, or Burglary (Outside the Premises) Underwriting Notes and Minimum Premiums Colonial General provides access to both admitted and non-admitted markets, depending on the account and state. Underwriting flexibility allows for mono-line or package policies to meet the specific needs of your clients. While minimum premiums are not listed, submissions should demonstrate favorable risk characteristics to be considered. Territories and Availability This Bakery Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General works with a variety of carriers to find the right market for your client’s needs in these regions. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep industry knowledge and strong carrier relationships to help independent agents place hard-to-insure or niche baking operations. From small artisan bakeries to large-scale commercial production facilities, Colonial General’s team understands the unique exposures of the baking industry and can craft tailored solutions to help protect your clients’ assets and operations. Need to place a retail bakery with food spoilage concerns and customized equipment? Or a wholesale baking plant needing high liability limits and inland marine coverage for delivery vehicles? This program has the tools and flexibility to support those accounts. Frequently Asked Questions What types of accounts are a good fit for this bakery insurance program?Retail bakeries, wholesale baking operations, commercial baking plants, and specialty dessert shops are all strong candidates for this program. Can I place standalone property or liability coverage through this program?Yes, coverage can be written on a mono-line or package basis, depending on the needs of your client. Are food spoilage and equipment breakdown covered?Yes, both food spoilage and equipment breakdown are available as part of the property coverage options. What states is this program available in?The Bakery Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does this program offer admitted or non-admitted coverage?Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and state regulations. Need help placing an account? Connect with a market specialist.

Policy Highlights for Private School Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Private School Insurance program tailored for agents and brokers looking to place educational institution accounts. This program is designed for private elementary, middle, and high schools, as well as private technical, trade, and vocational schools that provide job-specific certification. Learning centers and tutoring services are also eligible, making this a versatile solution for a wide range of educational clients. Ideal Accounts and Target Classes This program is best suited for: Private K-12 schools with structured curriculums Vocational and trade schools offering certifications Private technical institutions and career-focused training centers Supplemental learning centers and tutoring facilities Whether your client operates a large private school or a small specialized training center, Colonial General can help provide tailored coverage solutions. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 per occurrence and aggregate Errors and Omissions coverage for teaching staff Medical payments coverage included—$5,000 limit Sexual and Physical Abuse coverage—$25,000 per claim / $50,000 aggregate included Excess or umbrella limits available up to $25,000,000 No deductible required Property Coverage Options: Building and contents coverage with replacement cost or actual cash value Business income protection Electronic data processing and equipment breakdown Accounts receivable and valuable papers Food spoilage and outside signs Forms available: Basic, Broad, or Special Crime Coverage Options: Theft of money and securities inside the premises Robbery or safe burglary of other property inside the premises Certain coverages available for losses occurring outside the premises Underwriting Notes and Program Access Coverages can be written on a mono-line or package basis, giving you flexibility based on your client’s risk profile. No deductible is required for general liability, and various property and crime coverages can be customized per account needs. The program is placed through various carriers depending on risk, with some admitted options available. Available States This program is available to agents and brokers placing risks in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General? Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in niche markets like private education. Their strategic carrier relationships and underwriting experience allow them to handle both standard and hard-to-place risks efficiently. Agents benefit from responsive service, flexible underwriting, and access to competitive markets for educational institutions. For example, if you have a client running a private culinary school offering certification programs, or a tutoring center expanding into multiple locations, Colonial General can help you build the right coverage package to protect those operations effectively. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for private K-12 schools, vocational and trade schools, technical training centers, and tutoring or learning centers that offer structured curriculums or certifications. Can I write mono-line coverage or does it have to be a package?You can write coverage on a mono-line or package basis, depending on your client’s needs and exposures. Is this program available on an admitted basis?Some markets are admitted, but availability depends on the specific risk and location. Colonial General will help determine the best placement. What limits are available for general liability?Primary general liability limits are available up to $3,000,000 per occurrence and aggregate, with excess and umbrella limits up to $25,000,000. 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.

Mobile Home Park Insurance Program from Colonial General Insurance Agency Colonial General Insurance Agency, Inc. offers a specialized Mobile Home Park Insurance program designed to help independent agents and brokers place coverage for a range of mobile home and RV park risks. Whether your clients operate permanent mobile home parks, seasonal RV parks, or year-round campgrounds, this program provides flexible solutions with both property and liability options available on a monoline or package basis. Ideal Accounts and Classes This program is well-suited for: Mobile home parks (both permanent and tourist-based) Recreational vehicle (RV) parks Campgrounds with short- or long-term guest stays Typical accounts include family-owned parks, regional park operators, and seasonal sites. You might have a client with a multi-acre RV park in Arizona catering to snowbirds or a mobile home community in Utah with permanent residents—both are excellent fits for this program. Coverage Highlights and Advantages Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown Food Spoilage Inland Marine Outside Signs Replacement Cost or Actual Cash Value Valuable Papers General Liability Coverage Includes: Primary limits up to $3,000,000 occurrence/aggregate $5,000 Medical Payments Coverage – Included Blanket Additional Insureds – Included Liquor Liability (where applicable) Hired and Non-Owned Auto Liability Excess or Umbrella limits up to $25,000,000 No liability deductible required 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 underwrites through a variety of carriers and offers access to both admitted and non-admitted markets, depending on the risk profile and state. This flexibility allows you to place both standard and harder-to-place risks efficiently. While minimum premium requirements vary by carrier, the underwriting team will work closely with you to review submissions and explore viable options for your accounts. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General maintains a strong regional focus in the Western U.S., making them a reliable partner for agents working in these territories. Why Work with Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker with deep experience in specialty property and liability risks, Colonial General provides access to a wide range of markets and strong underwriting support. Their expertise in the mobile home park and RV park segment allows you to deliver tailored coverage solutions for your clients while streamlining the placement process. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile home parks (permanent or tourist-based), RV parks, and campgrounds, including both seasonal and year-round operations. Is coverage available on an admitted or non-admitted basis?Colonial General offers both admitted and non-admitted options, depending on the specific risk and state requirements. What limits are available for liability coverage?The program offers primary general liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million. Are there any specific states where this program is available?Yes, the program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is included in the property coverage?Property coverage includes options such as buildings, contents, business income, equipment breakdown, outside signs, inland marine, and more. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers targeted coverage solutions for water truck operations through its Water Truck Insurance program. This program is designed for both "for hire" and "not for hire" operations and pairs flexible liability limits with optional physical damage protection and territory choices to fit common contractor and municipal hauling exposures. Overview of the Program From Colonial General This program is underwritten and placed by Colonial General as a Managing General Agency and Excess & Surplus lines broker. It provides agents with access to multiple markets (carriers vary) and can be positioned as admitted in some states or placed non-admitted where necessary. The program focuses on water trucks used for dust control, construction compaction, landscaping, agricultural use, and municipal or utility support. Coverage Highlights For hire and not for hire operations accepted. Liability limits up to $1,000,000 Combined Single Limit (CSL). Physical damage coverage available with deductible choices typically ranging from $500 to $5,000. Radius options available up to 500 miles to accommodate regional hauling operations. Carrier availability varies by account and state — Colonial General uses multiple markets to place risk. Ideal Accounts and Appetite This program suits a range of small- to mid-sized commercial accounts that operate water trucks as their primary or supporting equipment. Typical good-fit classes include: Construction contractors providing dust control and compaction services. Aggregate and paving companies that use water trucks on- and off-site. Municipal agencies or public works departments with municipal water truck fleets. Landscape and irrigation contractors operating water-bearing trucks for dust suppression or watering jobs. Accounts with professional, experienced drivers, documented maintenance programs, and moderate annual mileage are preferred. High-risk operations (e.g., longhaul interstate tanker operations, oilfield fluid hauling, or those with significant lapse in maintenance records) may be declined or submitted to specialized markets only. Underwriting Notes and Submission Guidance When preparing submissions, include the following to improve placement chances: Current driver MVRs and company driving policy. Vehicle schedule with year, make, model, GVW, and serial numbers. Hours of operation, typical radius, and primary use of the water truck (dust control, hauling potable water, etc.). Loss history for the past 3–5 years and details on any significant claims. Details on safety, training, and maintenance programs. If you are unsure about minimum premiums or any program thresholds, note that minimum premium levels and specific terms vary by carrier — please contact Colonial General to confirm current minimums and available deductibles for the target state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Because admitted availability is limited in some states, Colonial General will place eligible accounts on admitted paper where markets permit and on E&S in other jurisdictions. Confirm admitted vs. non-admitted options on a per-submission basis. Why Work With Colonial General on Water Truck Accounts Specialized underwriting experience placing water truck and construction support fleets. Access to multiple carriers and E&S capacity to find solutions for tougher risks. Flexible liability limits and physical damage options that align with contractor needs. Responsive submission review and underwriting guidance to help you prepare a complete file. Example scenarios: You have a local paving contractor running two water trucks for dust control and compaction within a 150-mile radius. This program can provide liability up to $1,000,000 CSL and physical damage with a deductible that fits the client’s budget. A municipal public works department wants coverage for a small fleet of water trucks used seasonally. Colonial General can evaluate admitted options where available or place appropriate E&S coverage to meet the entity’s needs. Next Steps for Agents Prepare a complete submission with vehicle and driver details, loss history, and usage information. Colonial General underwriters will review for appetite and advise on admitted vs. non-admitted options and any available deductible choices. For current carrier availability and exact program terms, submit via your usual broker channel or contact Colonial General directly to discuss the account. Frequently Asked Questions What types of water truck operations are a good fit for this program?Construction contractors, paving and aggregate companies, municipal public works, and landscape contractors using water trucks for dust control, compaction, and similar local hauling tasks are typically a good fit. Longhaul tanker operations or oilfield fluid hauling are generally outside the appetite. What liability and physical damage options are available?The program offers liability limits up to $1,000,000 CSL and physical damage with deductible options usually ranging from $500 to $5,000. Exact limits and deductibles depend on the carrier selected for the account. Are admitted policies available?Some admitted markets are available depending on the state and account characteristics. Where admitted placement is not available, Colonial General can place coverage through Excess & Surplus lines markets. Confirm admitted availability on each submission. What information should I include with a submission to speed placement?Provide vehicle schedules, driver MVRs, a clear description of operations and typical radius, maintenance and safety program details, and loss history for the last 3–5 years. Complete submissions result in faster and more competitive placement. Need help placing an account? Connect with a market specialist.

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Policy Highlights for our Amusement Park program: Colonial General Insurance Agency, Inc. offers a comprehensive Amusement Park Insurance program designed to meet the unique risks faced by amusement parks and related operations. Whether you're placing a large permanent theme park or a smaller seasonal operation, our program provides flexible, broad coverage options that help protect your clients’ property, liability, and financial interests. Ideal Accounts and Appetite We are actively seeking accounts that include: Permanent and mobile amusement parks Theme parks and water parks Indoor entertainment facilities with amusement rides Operators of mechanical rides, inflatables, games, and concessions This program is a great fit for agents working with clients who operate year-round or seasonal parks in the western U.S., especially in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage Highlights and Advantages Property Coverage Available: Accounts Receivable Basic, Broad, or Special Form options Building and Business Personal Property Business Income Computer Equipment Equipment Breakdown Inland Marine Outside Signs Replacement Cost or Actual Cash Value (ACV) Valuable Papers Commercial General Liability Coverage: Primary Limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payments Coverage included Blanket Additional Insured Endorsement available Excess or Umbrella Limits up to $25,000,000 No deductible required Crime Coverage Options: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Losses Occurring Outside the Premises Underwriting Notes Coverage can be provided on a mono-line or package basis to meet the specific needs of your insureds. We work with a variety of carriers (admitted and non-admitted) to offer tailored solutions depending on the risk profile and location. Submissions should include detailed risk information and loss history when available. Minimum premiums may vary based on class and location; contact us for more information. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, and WY. Why Work With Colonial General Insurance Agency, Inc.? As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep market access and specialized underwriting knowledge to the amusement industry. We understand the complex risk exposures amusement parks face and work closely with agents to deliver responsive service, competitive solutions, and fast turnarounds. Whether you're working with a client launching a new family fun center or one expanding a long-standing park, we can help you find the right coverage structure. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amusement parks, indoor facilities with rides, mobile attractions, and operators of mechanical rides, inflatables, and games. Is this program available on an admitted or non-admitted basis?Some markets are admitted, while others are non-admitted, depending on the risk and location. We work with a variety of carriers to find the best fit. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I write mono-line policies through this program?Yes, both mono-line and package policies are available depending on the needs of your insured. What documentation is needed for a submission?We typically require a completed application, detailed risk information, and loss history to provide a quote. Need help placing an account? Connect with a market specialist.

Policy Highlights: Auto body and paint shops require specialty insurance products, and Colonial General Insurance Agency, Inc. offers a targeted program designed for agents who place this business. Our underwriting team works with admitted and non-admitted markets to provide flexible solutions and competitive terms for shops that handle repair, refinishing, storage and towing exposures. Overview of the Program from Colonial General This program is available through Colonial General as a Managing General Agency and Excess & Surplus Lines broker. We place Commercial Garage and Property coverage for auto body and paint shops across select Western states. Carriers vary by risk and territory; Colonial General will work with you to find the best combination of limits, forms and premium for each account. Ideal Accounts and Appetite Independent auto body and paint shops performing collision repair, refinishing and mechanical work. Dealership rooftop body shops and multi-shop operators with consolidated limits. Shops that tow customer vehicles or provide in-transit services (towing exposures considered). Accounts with recognized loss control practices and either UL-approved paint booths or separated, explosion-proof painting areas. We typically decline or limit accounts that perform large-scale custom paint work on high-value or show vehicles due to the program’s Custom Paint Exclusion. High flammability exposures, uninsured storage yards, or shops with significant prior losses may require additional underwriting and higher retentions. Coverage Highlights and Advantages Commercial Garage Coverage available with limits up to $3,000,000 aggregate and Garage Liability limits up to $1,000,000 per accident. Medical Payments coverage (example limit: $5,000) and broadened coverage options to suit repair operations. Garage Keepers coverage on a primary basis with specified causes of loss available. Dealers Physical Damage, False Pretense, Fire Legal Liability and In-Transit coverage for towing operations. Property coverage options for buildings, business personal property and tools/equipment. Underwriting flexibility: we can consider risks without a UL-approved paint booth provided painting is done in a separate room/area with explosion-proof lighting and other accepted controls. Underwriting Notes and Minimum Premiums Colonial General underwriting evaluates each shop on operations, inventory values, paint booth design and loss history. Expect questions about: paint processes, booth certification, storage practices, employee training, and tow/in-transit procedures. Minimum premium and specific deductibles vary by carrier and state; Colonial General will quote required minimums once the submission is reviewed. Territories and Admitted Status Available in AZ, CA, CO, ID, NV, NM, UT and WY. Some coverages may be placed on admitted paper in certain states, while other accounts will be placed non-admitted/E&S depending on the carrier and the exposure — Colonial General will advise on paper availability when you submit. Why Work with Colonial General on Auto Body & Paint Shop Business Program expertise: focused appetite for garage operations and paint shops backed by experienced underwriters. Market access: multiple carrier relationships to place admitted and non-admitted business. Practical underwriting: realistic consideration of paint booth variances when controls are in place. Efficient submission handling: clear requirements and timely quotes for agents placing garage risks. Example Scenarios You might have a neighborhood collision shop that wants primary Garage Keepers and in-transit coverage for its towing operations — Colonial General can assemble a combined garage package on admitted or E&S paper depending on state. Or you might place a larger dealer body shop that needs higher aggregate limits and Dealers Physical Damage — our access to multiple markets helps secure appropriate limits. Frequently Asked Questions What types of auto body shops does this program prefer?We prefer collision repair and refinishing shops with standard mechanical repair work, documented loss control, and either UL-approved booths or separate painting areas with explosion-proof lighting. High-end custom paint shops are subject to exclusions or higher underwriting scrutiny. Is Garage Keepers coverage available on a primary basis?Yes. Garage Keepers on a primary basis is available with specified causes of loss. Limits and form details vary by carrier; Colonial General will outline options on the quote. What are the paint booth requirements?UL-approved paint booths are preferred. If a shop does not have a UL-approved booth, we may still consider the risk if painting is done in a separate room or area with explosion-proof lights and acceptable controls documented. Which states and admitted status are supported?This program writes in AZ, CA, CO, ID, NV, NM, UT and WY. Some coverages are available admitted in select states while other placements will be non-admitted/E&S; Colonial General will advise based on the specific risk and location. What documentation is helpful with a submission?Provide ACORD applications, current loss runs (prefer last 3–5 years), description of operations, paint booth certification or controls, tow/in-transit procedures, and property values. Those items speed underwriting and help produce accurate quotes. 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.