Search CompleteMarkets

Novatae Risk Group offers a focused Mineral Milling Workers Compensation Insurance program tailored for employers who operate mineral milling facilities. We understand that costs can be significant and exposures vary with operation size and staffing — from management and runners to hands-on operators. This program is built to address those industry-specific risks with disciplined underwriting and broad market access. This program is underwritten through experienced partners familiar with mineral milling exposures. Novatae Risk Group and our underwriting partners perform detailed, risk-focused evaluations so you can place Workers Compensation coverage with confidence across a number of "A" rated carriers. To discuss a Mineral Milling Workers Compensation submission, please call 800-758-8113 or email [email protected] for immediate assistance from an underwriter. Program Features: Only $7,500 Minimum Premium Program Highlights: 10% commission Fast turnaround for quotes with completed application Coverage available in over 20 states Submissions: Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Ideal Accounts and Appetite This program targets mineral milling operations with established safety programs and routine maintenance controls. Ideal accounts typically include small to mid-sized mills with predictable payrolls and clear classification of duties for management, runners, and operators. Accounts with significant subcontractor exposures, uncontrolled remote operations, or extremely high loss frequency may require additional underwriting review or alternative markets. Coverage Advantages Underwriting focused on mill-specific exposures rather than broad manufacturing categories Access to multiple A-rated carriers to achieve competitive terms Streamlined quoting when required submission documents are provided Underwriting Notes and Minimums Provide a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to obtain a timely quote. The program has a minimum premium of $7,500; higher minimums may apply in select states or for accounts with elevated exposures. Territories and Admitted Status Availability: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. Admitted status: All Available Markets. Coverage availability and placement options vary by state; contact underwriting for specifics. Why Place Mineral Milling Business with Novatae Risk Group Novatae Risk Group provides agents with a specialized placement option for mineral milling Workers Compensation risks, combining industry-aware underwriting, carrier access, and prompt service. You get a dedicated underwriting partner who understands mill exposures and can help structure terms that match your client’s operations. Example account: You might have a regional mineral mill with 25 employees — a plant manager, shift supervisors, several operators, and material handlers — with three years of stable loss history and a documented safety program. This program is positioned to provide competitive Workers Compensation terms for that profile. Do you need a Workers Compensation Quote for your Mineral Milling client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of mineral milling accounts are a good fit for this program?Good-fit accounts are small to mid-sized mills with clearly defined roles (management, runners, operators), documented safety and maintenance programs, and three years of loss history. High-frequency loss accounts or uncontrolled subcontractor exposures may need additional review. What documents are required to get a fast quote?Submit a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to help underwriting provide a timely quote. Is the program available in my state?The program is available in the listed states. Coverage options and admitted vs. non-admitted placement depend on state rules and the specific account; contact underwriting for state-specific details. What is the minimum premium and how does it affect small accounts?The program minimum premium is $7,500. Smaller accounts below that threshold may need alternative placement or consolidation strategies to meet the program minimums. How quickly can I expect a quote after submission?When you provide the required submission materials, the program emphasizes fast turnaround. Timelines vary by complexity, but complete submissions receive priority handling from underwriting. Need help placing an account? Connect with a market specialist.

Policy Highlights for Tavern Insurance: Colonial General Insurance Agency, Inc. offers a focused Tavern Insurance program for taverns and restaurants where alcohol sales are 30% or more of total gross receipts. The program supports small neighborhood bars through high-volume full-service restaurant bars, with Property and Liability available on a mono-line or package basis to fit varied risk profiles and operational needs. Ideal Accounts and Appetite This program is best suited for agents placing: Taverns and bars with significant alcohol sales (30%+ of gross sales) Restaurants with full-service bars or late-night service Small to mid-sized hospitality establishments that provide food and entertainment Accounts with prior losses or complex exposures may still be considered — Colonial General’s underwriting is flexible and reviews submissions on a case-by-case basis. This market offers both admitted and non-admitted options in select states. Coverage Highlights and Advantages Property Coverage Available for Taverns: Accounts Receivable Basic, Broad, or Special Form Building and Business Personal Property Business Income and Extra Expense Computer Equipment Equipment Breakdown Food Spoilage Contents and Outside Signs Valuable Papers Replacement Cost or Actual Cash Value (ACV) Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence/aggregate Liquor liability included Excess/umbrella limits up to $25,000,000 Assault and/or battery limited liability coverage ($25,000 per event / $50,000 aggregate) Medical payments coverage ($5,000) Additional insureds available No deductible required on liability (per program terms) 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 Coverage can be bound as mono-line or as a packaged program. Colonial General evaluates each submission on exposures, location, and operations; pricing and structure are tailored to the account. There is no published minimum premium — actual minimums, if any, will be determined by the underwriters and the market selected. Territories and Availability This Tavern Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Depending on the state and the account, coverage may be placed through admitted or non-admitted markets. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides regional hospitality expertise and broad market access. The program is backed by multiple carrier partners and offers underwriting flexibility for common tavern risks — liquor exposure, assault/battery incidents, food spoilage, and equipment breakdown among them. Agents benefit from responsive underwriting, placement options across admitted and E&S markets, and policy forms that address hospitality-specific exposures. You can rely on Colonial General to help structure limits, excess layers, and ancillary coverages to fit your client’s operation. Practical Placement Examples You may have a neighborhood tavern with moderate alcohol sales, dart leagues, and a single bartop — this program can provide primary GL with liquor liability and limited assault/battery coverage. A mid-size restaurant with a full bar, commercial kitchen, and late-night hours can be placed with both property (including food spoilage and equipment breakdown) and high-limit excess liability to address elevated exposures. Frequently Asked Questions What types of accounts are a good fit for this Tavern Insurance program?Ideal accounts include taverns, bars, and restaurants where alcohol sales are 30% or more of gross receipts. Establishments with entertainment or late-night operations are routinely considered. Is liquor liability coverage included in this program?Yes. Liquor liability is available as part of the Commercial General Liability offering, with primary limits up to $3 million and excess options up to $25 million. Can I submit accounts located in multiple states?Yes. Colonial General writes business in AZ, CA, CO, ID, NV, NM, UT, and WY. Multi-state operations within these states can be submitted and will be evaluated by underwriting. Are there coverage options for food spoilage and equipment breakdown?Yes. Both food spoilage and equipment breakdown are available under the Property section to protect perishable inventory and kitchen equipment. Does the program offer any assault and battery coverage?Yes. A limited assault and/or battery liability form is available with $25,000 per event and $50,000 aggregate limits. Need help placing an account? Connect with a market specialist.

...on interstate trailers, and stores grain temporarily before delivery. This pro...

Overview — Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers the Communications Equipment Contractors Program—Residential Insurance to help agents place property and liability coverage for contractors who install, service, and repair residential communications systems. This program is designed specifically for small to mid-size contractors working on television cable, satellite dishes, home networking and computer equipment, telephones, and related electrical communications apparatus. Policy Highlights: Property and liability coverages are available on a mono-line or package basis for contractors engaged in residential installation, service and repair of communications systems such as television cable and satellite dishes, computers, telephones, and other electrical apparatus related to communications. Commercial General Liability Coverage available Primary limits up to $3,000,000 occurrence/aggregate Errors & Omissions (E&O) coverage part — policy limits available Excess/umbrella limits up to $25,000,000 Included coverages: Additional interests Medical payments — $5,000 limit Lost key coverage — $25,000 limit Property damage extension (care, custody and control) — policy limits up to a maximum of $200,000 per occurrence / $300,000 aggregate No deductible required (subject to underwriting) Property Coverage available Accounts receivable Basic, broad, or special form Building and business personal property Business income Computer equipment 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 Ideal Accounts and Appetite This program is a fit for independent contractors and small companies that primarily perform residential communications work: satellite and cable installation, home audio/video and networking, telephone and low-voltage data wiring, and similar services. Typical insureds are mobile crews or small shops with limited storage of client property and minimal exposures from heavy construction operations. Generally not a fit: large commercial contractors, businesses performing extensive structural or high-voltage electrical work, significant fiber-splicing projects with elevated third-party exposure, or accounts with frequent high-value subcontractor liability without proper controls. Coverage Advantages Broad limit options for GL and excess/umbrella to accommodate growing contractors E&O coverage available — important for installation and service errors Property forms and equipment coverage tailored for contractor tools and mobile operations Optional crime coverages to address theft and employee-related loss exposures Available on admitted and excess & surplus lines markets depending on state — see availability below Underwriting Notes Underwriters will review payroll, annual receipts, percentage of residential vs. commercial work, subcontractor usage, driving records for mobile crews, and loss history. Premium and terms vary by state and carrier; carriers for this program vary by risk. No minimum premium is published on this page — contact Colonial General for current submission guidelines and markets. Example accounts A two-crew residential satellite and TV installer with under $1M in receipts, company-owned trucks, and a modest tool inventory — potential fit for package GL + property + E&O. A small home networking/IT contractor who performs in-home installs and provides limited on-site service agreements — fits well with GL limits and E&O coverage for installation errors. Territories and Admitted Status States available: AZ, CA, CO, ID, NV, NM, UT, WY. Markets vary by state; Colonial General places business through admitted and excess & surplus markets depending on the carrier and risk characteristics (Some Available Markets). Why Work With Colonial General Specialized program focused on communications equipment contractors, with program terms and endorsements tailored to common exposures in this niche. Access to multiple carriers and capacity for primary, E&O, and large umbrella limits. Flexible package options — mono-line or combined property/liability placements. Experienced underwriting that understands trade practices for residential installers and service providers. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-size contractors who focus on residential communications work — TV/cable/satellite installers, home networking/IT installers, telephone and low-voltage wiring contractors — with primarily in-home work and limited heavy construction exposures. What limits and coverages can I access?General liability primary limits are available up to $3,000,000 occurrence/aggregate, E&O coverage at policy limits, and excess/umbrella up to $25,000,000. Property, equipment, and crime coverages are also available in various forms. Are policies admitted or non-admitted?Availability depends on the state and the carrier — Colonial General places accounts in both admitted and excess & surplus markets as appropriate (Some Available Markets). Underwriting will determine the best market for each risk. What information should I include with a submission?Provide a completed application, loss run for the past 3–5 years, revenue breakdown (residential vs. commercial), payroll and subcontractor detail, vehicle list and driving records for mobile crews, and a description of equipment and storage practices. Colonial General can provide detailed submission requirements for the target carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights for Directors and Officers Insurance: In today’s litigious and highly regulated business environment, Directors and Officers (D&O) face elevated risks and increasing personal liability. Without a dedicated D&O policy in place, their personal assets may be exposed in the event the organization cannot or will not indemnify them. Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Directors and Officers Insurance program designed to protect individual leaders and the organizations they serve. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, offering D&O solutions across multiple industries. Whether your client operates a nonprofit, a privately held company, or a publicly traded corporation, Colonial General can help you secure tailored protection that addresses their leadership liability exposures. Some markets are admitted, providing additional flexibility depending on the risk and jurisdiction. Ideal Accounts and Appetite This program is suitable for a wide range of organizations, including: Nonprofit organizations (charities, foundations, associations) Privately held corporations across various industries Publicly traded companies with evolving governance risks D&O insurance through Colonial General can be packaged with related coverages such as Employment Practices Liability Insurance (EPLI), Crime, and Fiduciary Liability, creating a robust management liability solution. Coverage Highlights and Advantages Colonial General’s D&O program offers a broad and flexible policy structure with the following key features: Smooth excess policy structure with an expansive definition of “drop-down event,” enabling the policy to respond when underlying insurers deny or intend to deny coverage No exclusions for bodily injury, property damage, or pollution—uncommon in many standard D&O policies Broad definition of "loss," ensuring wider claims applicability Targeted “organization vs. insured person” exclusion focused only on collusive internal actions Comprehensive definition of "claim" that includes arbitration, mediation, extradition proceedings, subpoenas, and more Enhanced Outside Directorship Liability for insureds serving on external boards Coverage terms and pricing will vary depending on the carrier and the nature of the risk. Underwriting Notes and Minimum Premiums Each submission is reviewed individually, and underwriting requirements may differ by carrier. While there is no stated minimum premium, Colonial General works with a range of markets to match your client’s risk profile with the right solution. Submissions with prior claims, board governance issues, or operating in high-risk industries may require additional underwriting scrutiny. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted or non-admitted markets may vary by state and type of risk. Why Work With Colonial General Colonial General brings extensive experience and market access to help agents place complex management liability risks. As a trusted MGA and E&S broker, they provide responsive service, flexible policy structures, and guidance through the placement process. Whether you’re looking to protect the leadership of a growing nonprofit or secure D&O coverage for a mid-sized private firm, Colonial General is a strong partner for your clients’ evolving needs. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s D&O program?Nonprofits, privately held businesses, and publicly traded companies are all eligible. The program is designed to accommodate a broad range of industries and organizational structures. Can this D&O coverage be packaged with other management liability products?Yes, in many cases D&O coverage can be packaged with EPLI, Crime, and Fiduciary Liability depending on the client's needs and the carrier’s appetite. What makes Colonial General’s D&O program different?The program offers broader definitions of key terms, fewer standard exclusions, and enhanced protection for outside directorships, giving insureds stronger protection in complex scenarios. Are admitted markets available for this program?Yes, some admitted markets are available depending on the risk and the state. Colonial General also has access to non-admitted markets when needed. Which states is the 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.