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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Medical Staffing Agency Insurance program designed for agents and brokers seeking markets for healthcare staffing clients. As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, Colonial General has access to multiple top-rated carriers and custom solutions, giving you flexibility to place complex or unique staffing risks across several western states. Overview of the Program From Colonial General Medical staffing agencies face unique liability exposures, especially when contracting healthcare professionals to third-party facilities. Colonial General’s program provides access to professional liability and malpractice coverage tailored to meet the diverse needs of staffing firms placing physicians, nurses, therapists, and other licensed healthcare providers. The coverage is backed by carriers rated “A” or better by A.M. Best, ensuring financial strength and reliability. Ideal Accounts and Appetite This program is an excellent fit for: Medical staffing agencies placing temporary or permanent healthcare professionals Firms that staff RNs, LPNs, CNAs, physical therapists, medical assistants, and similar roles Agencies working with hospitals, clinics, nursing homes, or in-home care facilities You might have a client who staffs traveling nurses to rural hospitals or provides physical therapists to outpatient clinics—these are the types of accounts that may be eligible. Coverage Highlights and Advantages Professional Liability / Malpractice coverage available through A.M. Best “A” rated carriers Limits starting at $250,000 / $500,000, with flexible deductible options Coverage tailored to match the staffing agency’s operations and provider types Optional coverages may be available depending on carrier and risk profile Coverage and premium will vary based on carrier placement and underwriting factors. Colonial General works to match accounts with the best-fitting carrier and coverage structure. Underwriting Notes and Minimum Premiums While minimum premium details are not specified, underwriting will consider the type of providers placed, states of operation, loss history, and staffing volume. Deductible options and limit selections also influence premium. Colonial General’s experienced underwriters can help you navigate submissions for competitive placement. 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 may be available, depending on the carrier and jurisdiction. Why Work With Colonial General Colonial General brings decades of specialty underwriting experience to the table, with strong carrier relationships and a focus on service. As an MGA and E&S broker, they help agents place tough-to-place or niche healthcare staffing risks with confidence. Whether you’re working with a startup staffing firm or an established agency expanding into new states, Colonial General can help you find the right market and coverage solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets medical staffing agencies that place licensed healthcare professionals such as nurses, therapists, and aides in hospitals, clinics, or long-term care facilities. Are both admitted and non-admitted carriers available?Yes, Colonial General has access to both admitted and non-admitted markets depending on the state and carrier availability. What limits and deductibles are offered?Limits typically start at $250,000/$500,000, with a range of deductible options. Specific terms depend on the risk and carrier selected. Which states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. What information is needed to submit a quote?Submissions should include a completed application, details on provider types, loss history, operational scope, and coverage limit requests. 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.

Policy Highlights for Occupational Therapist Insurance: As an insurance agent or broker placing coverage for healthcare professionals, you need markets that understand therapy-related exposures. Colonial General Insurance Agency, Inc. offers an Occupational Therapist Insurance program designed to place individual professional liability for occupational therapists in a variety of practice settings. Whether your client is a solo practitioner, a part-time contractor, or volunteers in the community, this program provides flexible options that supplement or replace employer-provided coverage when gaps exist. Overview of the Program From Colonial General Colonial General Insurance Agency is a Managing General Agency and Excess & Surplus Lines broker serving independent agents across the western United States. With access to multiple admitted and non-admitted markets, Colonial General combines underwriting reach and allied-health expertise to place occupational therapist risks. This program is tailored to the exposures therapy professionals face and is intended for individual practitioners rather than large clinic or facility risks. Ideal Accounts and Appetite This program is a fit when an individual occupational therapist needs their own professional liability coverage—either as standalone protection or to fill gaps in an employer policy. Typical placements include: Occupational therapists in private practice or small independent offices Part-time, per-diem, or contract therapists Therapists who provide home healthcare services Professionals engaged in volunteer or community-based therapy work Not a good fit: large therapy clinics, multi-disciplinary facilities with many practitioners on one policy, or accounts requiring facility/general liability packaging. You should submit individual exposures with clear work setting and license information for the best results. Example scenarios agents place well: A part-time occupational therapist who works at two outpatient clinics and wants an individual policy to cover work outside employer hours. A therapist who provides home health visits and volunteers at a nonprofit — requiring coverage for services performed away from an employer’s premises. Coverage Highlights and Advantages This program is designed to address common gaps and individual exposures for occupational therapists. Typical features you can expect to place include: Higher individual policy limits to protect clinicians when employer limits are inadequate Legal defense cost coverage and representation for licensing board hearings Reimbursement for lost wages while attending legal proceedings or hearings Coverage for services performed outside the primary workplace, including volunteer work and home visits Actual terms, limits, and endorsements depend on the carrier and the therapist’s risk profile. Colonial General works to match each submission to the most appropriate market available. Underwriting Notes and Minimum Premiums Underwriting evaluates credentials, license status, practice setting, claims history, and procedures performed. Provide complete applications and current claims information to speed placement. Colonial General has relationships with both admitted and non-admitted carriers, which helps place risks that need flexible terms. Specific minimum premiums vary by carrier and state; submit the account to receive detailed pricing and market options. Territories and Availability This Occupational Therapist Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some states may offer admitted paper while others require non-admitted placement depending on carrier appetite and the individual risk. Why Work With Colonial General? Colonial General provides independent agents with experienced underwriting and access to a broad panel of allied-health markets. Their western U.S. focus, MGA and E&S capabilities, and familiarity with therapy-related exposures make them a responsive partner when you need flexible professional liability solutions for occupational therapists. Frequently Asked Questions What types of accounts are a good fit for this Occupational Therapist Insurance program?This program is designed for individual occupational therapists—including independent practitioners, part-time clinicians, and volunteers—who need standalone or supplemental professional liability coverage. Can this program cover therapists who work in multiple locations or on a contract basis?Yes. The program accommodates therapists who work in varied settings such as outpatient clinics, clients’ homes, and contract assignments. Be sure to disclose multi-location and home visit activity on the application. Are defense costs and licensing board hearings covered?Typically yes. Policies placed through this program often include defense costs and reimbursement for licensing board hearings—coverage that may not be provided by an employer policy. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted carriers varies by state and by specific account characteristics. What information is needed to submit an application?Provide a completed application with details on the therapist’s license status, work settings, services performed, and claims history. Complete submissions help Colonial General place risks more efficiently. Need help placing an account? Connect with a market specialist.

Policy Highlights for Optometrist Insurance: Colonial General Insurance Agency, Inc. provides a dedicated Optometrist Insurance program to help agents and brokers place tailored coverage for optometry professionals. Whether your client is a solo practitioner or manages a multi-practitioner clinic, Colonial General offers market access and underwriting solutions to address the clinical and operational exposures common to modern optometry practices. Ideal Accounts and Appetite This program is designed for licensed optometrists and optometry practices that need combined professional and business coverages. Ideal accounts include: Independent optometrists in private practice Multi-practitioner clinics with diagnostic and treatment equipment Practices offering contact lens fittings, vision therapy, and pre/post-operative care Colonial General favors accounts with documented procedures, good recordkeeping and clean claims histories. Practices outside the typical scope of primary optometry care (for example, high-risk surgical centers performing complex ophthalmic surgeries) may require referral to a specialist market. Coverage Highlights and Advantages The Optometrist Insurance program combines professional and commercial coverages to protect both clinical exposures and day-to-day operations. Notable components include: Professional Liability: Defense and indemnity for alleged malpractice arising from optometric services. General Liability: Premises and third-party liability for bodily injury and property damage. Business Property: Coverage for office contents, furniture and diagnostic/treatment equipment. Hired & Non-Owned Auto: Liability for business use of employee personal or rented vehicles. Employment Practices Liability: Defense for claims alleging wrongful employment practices. Business Income & Extra Expense: Help maintaining cash flow during a covered interruption. Equipment Breakdown: Repair or replacement of essential diagnostic and treatment equipment. Worker’s Compensation: Competitive programs to meet state requirements and protect employees. Available limits, endorsements and pricing will vary by carrier and the specific risk characteristics of each practice. Underwriting Notes and Market Access Colonial General places optometry business in both admitted and non-admitted markets as appropriate for the state and account profile. The MGA’s carrier relationships allow flexibility — admitted capacity is available where offered by markets; E&S placement is an option for more complex or higher-exposure accounts. Key factors underwriters evaluate include claims history, types of services offered (e.g., diagnostic vs. surgical), total gross receipts, staff training, and equipment inventories. Complete submissions with loss runs, office protocols and equipment schedules typically receive faster review and placement. Territories and Availability This program is available to licensed agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Specific coverages and admitted options may vary by state and carrier, so confirm availability on a per-submission basis. Why Work With Colonial General As a Managing General Agency and E&S lines broker, Colonial General combines deep knowledge of healthcare exposures with broad market access to help you place optometry risks efficiently. The team focuses on responsive underwriting, pragmatic coverage solutions, and matching each submission with the most appropriate market. Example scenarios where this program fits well: You have a solo optometrist who needs professional liability, office property and equipment breakdown coverage for a new digital retinal camera. You represent a multi-doctor clinic expanding to a second location that requires combined GL, PL, business income and workers’ compensation placement. From start-ups to established practices, Colonial General supports agents with underwriting guidance and access to admitted and non-admitted solutions tailored to optometry operations. Frequently Asked Questions What types of accounts are a good fit for this program?Independent optometrists and small to mid-sized optometry practices with clean loss histories are an excellent fit. Multi-practitioner offices and clinics offering diagnostic services also qualify. What coverages are included in the Optometrist Insurance Program?The program includes Professional Liability, General Liability, Business Property, Employment Practices Liability, Equipment Breakdown, Business Income, and more. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Is this an admitted or non-admitted program?Colonial General offers access to both admitted and non-admitted markets, depending on the risk and state. What carriers does Colonial General work with for this program?Carrier availability varies. Colonial General matches each submission with an appropriate market based on underwriting guidelines and coverage needs. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Pawn Shop Insurance program specifically designed for businesses involved in lending money on personal property or purchasing personal items for resale. Whether your client operates a small independent pawn shop or a multi-location operation, this program provides flexible options for both Property and General Liability coverage on a mono-line or package basis. Ideal Accounts and Appetite This program is an excellent fit for retail pawn shops located in the Western U.S. that: Lend money on personal items left as collateral Buy and sell secondhand goods, jewelry, electronics, and collectibles Maintain on-premises inventory and safes Accounts with well-documented procedures for security, appraisals, and recordkeeping are considered favorably. We can accommodate both new ventures and established operations, though underwriting may vary depending on experience and loss history. Coverage Highlights and Advantages Property Coverage options include: Accounts Receivable Basic, Broad, or Special Form (Excluding Theft) Building—Replacement Cost or Actual Cash Value Business Income Business Personal Property—Subject to Evaluation Clause Computer Equipment Equipment Breakdown Outside Signs Valuable Papers Crime Coverage options include: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Commercial General Liability Coverage includes: Primary limits up to $3,000,000 Occurrence/Aggregate Hired and Non-Owned Auto coverage $5,000 Medical Payments—Included Additional Interests—Included at no charge Excess or Umbrella limits up to $25,000,000 No deductible required Contractual Liability Limitation Note: Products/Completed Operations coverage is excluded under this program. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to match the right market to each risk. While minimum premium requirements vary depending on coverage selections and risk characteristics, our underwriters are available to discuss submissions and tailor coverage packages to meet your clients' specific needs. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; however, non-admitted options may be used when needed to meet unique risk requirements. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and strong carrier relationships to help agents place specialty and hard-to-place risks. Our Pawn Shop Insurance program reflects our commitment to niche markets and underwriting expertise in retail operations with unique exposures. Agents benefit from responsive service, flexible underwriting, and access to multiple markets under one roof. For example, if you have a client with a pawn shop in downtown Denver that handles jewelry, electronics, and firearms, we can help you structure a package that includes property, crime, and liability coverage to protect their inventory and operations. Or, if your client recently opened a new pawn shop in Nevada and needs affordable liability coverage with optional crime enhancements, this program is well-positioned to deliver. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail pawn shops that lend money on personal items or purchase goods for resale. Stores with inventory, safes, and solid loss control practices are preferred. Is this program available in admitted markets?Yes, Colonial General offers both admitted and non-admitted options depending on the state and risk profile. Availability varies by carrier and coverage selections. Can I submit new ventures or startups?Yes, new pawn shop operations may be eligible. Underwriters will evaluate the owner's experience, business plan, and projected operations. Are package policies available?Yes, policies can be written on a mono-line or package basis. You can combine property, general liability, and crime coverage into a single policy. Which states is the Pawn Shop Insurance 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 Pest Control Services Insurance: If you're an agent or broker placing pest control insurance, Colonial General Insurance Agency, Inc. offers a flexible, specialty solution. This program can be written on a mono-line or packaged basis and provides Property and Liability options tailored for pest control service providers. Eligible operations include detection and treatment of insect and animal infestations (for example rodents, birds, bats, raccoons), wildlife removal and fumigation, placement and removal of radon test canisters, and herbicide application. Ideal Accounts and Appetite This program fits pest control contractors and exterminators of all sizes — from single-crew residential operators to larger multi-crew commercial firms. Accounts that perform fumigation, wildlife removal, pest-related inspections (including wood-destroying organism inspections), radon testing, and pesticide/herbicide application are within appetite. High-hazard operations, unusual pollutants, or significant habitational risks may require additional underwriting review or alternative placement. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence / Aggregate Additional Interests: $100 each Blanket Additional Insured option: $250 Excess/Umbrella limits up to $25,000,000 Included Coverages: $5,000 Medical Payments Coverage Pesticide/Herbicide Applicator Coverage – policy limits Wood Destroying Organism Inspection – $25,000 per occurrence / $100,000 aggregate (higher limits available) In-Transit Pollution – $25,000 per occurrence / $100,000 aggregate Property Damage Extension (Care, Custody, Control) – up to $200,000 per occurrence / $300,000 aggregate Lost Key Coverage – $25,000 limit No deductible required A Loss Prevention Brochure is included to help insureds reduce common operational risks. Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form options Building and Contents Business Income Computer and Contractor’s Equipment Equipment Breakdown Outside Signs Replacement Cost or Actual Cash Value Valuable Papers Crime Coverage Available: Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes Colonial General works with a variety of carrier partners (varies by risk) and can place business admitted or non-admitted depending on state and the submission. There is no stated deductible for many liability features and competitive pricing options are available. Provide detailed loss history, equipment lists, pesticide/herbicide usage procedures, and any inspection or fumigation protocols with the submission to speed underwriting. Higher limits for WDO inspection and in-transit pollution can be quoted on request. Territories and Availability This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability and admitted/non-admitted options vary by state—contact Colonial General for market-specific details and carrier access. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings targeted expertise for niche commercial risks. Their pest control program combines flexible limits, specialized coverages (applicator and WDO inspection features), and underwriting that understands field exposures. Colonial General’s platform helps agents place accounts that may be difficult to bind in standard markets while offering loss control resources and responsive underwriting support. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include residential and commercial pest control operators, exterminators, wildlife removal contractors, companies that perform fumigation, radon test placement/removal, and businesses that apply herbicides. Is coverage available for wildlife control or fumigation services?Yes. Wildlife removal and fumigation are eligible but will be reviewed by underwriting to confirm scope of operations and any special controls needed. Are higher limits available for inspection or pollution coverage?Yes. Higher limits for Wood Destroying Organism inspections and In-Transit Pollution coverage can be quoted upon request based on the account’s exposures and loss history. Can I package Property and Liability together?Yes. Colonial General offers both mono-line and package (combined property and liability) options to match the client’s needs and simplify placement. Which states is this program available in?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Contact Colonial General for specific market availability within those states. Need help placing an account? Connect with a market specialist.