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Policy Highlights for Homeowners Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Homeowners Insurance program designed specifically for community-based residential associations. This program is ideal for agents and brokers looking to place business for established community housing groups where all construction and development are complete. Target risks include: Single-family homeowner associations Townhome and townhouse associations Residential and condominium associations Time-share condominium associations Cooperative housing corporations Coverages are available on a mono-line or package basis, allowing flexibility based on the unique needs of your insureds. Whether your client is managing a stand-alone HOA or a larger residential condo association, this program offers the depth of protection needed to safeguard both property and liability exposures. Property Coverage Available for Homeowners: This program provides a broad array of property protection options, including: Buildings and contents Replacement cost or actual cash value Business income coverage Computer equipment Equipment breakdown Accounts receivable and valuable papers Inland marine and outside signs Basic, Broad, or Special Form options Commercial General Liability Coverage: Primary limits up to $3 million occurrence/aggregate $5,000 medical payments included Additional interests included at no extra charge Hired and non-owned auto liability Excess or umbrella limits up to $25 million No deductible required Crime Coverage: Theft of money and securities inside the premises Robbery or safe burglary of other property inside the premises Theft and robbery exposures outside the premises Ideal Accounts and Appetite This program is best suited for well-maintained, established residential communities that have completed all construction activities. If you have a client managing a multi-unit townhome association or a mid-sized condominium complex with shared spaces and amenities, this program offers tailored protection for their exposures. Risks with active construction or incomplete development may not be eligible. Territories and Availability Colonial General’s Homeowners Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. The admitted status varies by market, giving you access to flexible underwriting solutions depending on your client's location. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise and market access to community association risks. Their underwriting team understands the nuances of shared residential living and can help you craft competitive, comprehensive coverage packages. With access to multiple carriers and flexible coverage forms, Colonial General supports agents in placing both standard and complex homeowner association accounts. Frequently Asked Questions What types of accounts are a good fit for this Homeowners Insurance program?Ideal accounts include completed residential communities such as homeowner associations, townhome associations, condominium associations, and cooperative housing corporations. Is this program available in my state?This program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by coverage type and carrier. Can I write both property and liability coverage through this program?Yes, the program supports mono-line or package policies, allowing you to place property, liability, and crime coverage as needed. Are there deductible requirements for liability coverage?No, this program does not require a deductible for commercial general liability coverage. What limits are available for umbrella or excess liability?Excess or umbrella limits are available up to $25 million, depending on the account and underwriting criteria. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Public Entity Insurance program designed to meet the diverse needs of today’s governmental organizations. With access to both admitted and non-admitted markets, we provide flexible solutions backed by A.M. Best rated A+XV (Superior) carriers. Whether your clients are small towns or larger municipal organizations, we help you craft tailored coverage options to address their unique exposures with confidence and efficiency. Ideal Accounts and Appetite This program is well-suited for a wide range of public entities, including: City and County Governments Towns, Villages, Boroughs, and Townships Public Fire and Emergency Response Services Police and Sheriff’s Departments Transit and Park Police, and other Governmental Law Enforcement Agencies Water, Sewer, and Irrigation Districts Library Districts, Parks and Recreation Boards Highway and Community Development Boards Other Special Service Districts If you’re working with municipal departments or special service districts looking for reliable risk management solutions, this program is a strong fit. For example, you might have a client who operates a local water district or a regional parks and recreation agency—both are ideal candidates for this coverage. Coverage Highlights and Advantages We offer a robust portfolio of lines that can be packaged or offered as standalone policies: Professional Liability Law Enforcement Liability Public Officials Liability Employment Practices Liability Emergency Dispatchers Liability Firefighters Professional Liability General Liability Property and Inland Marine Crime and Equipment Breakdown Automobile Umbrella These coverages are designed to protect against operational, professional, and personnel-related exposures common to public entities. Our access to multiple markets allows us to find the right fit for your client’s size, scope, and level of risk. Underwriting Notes and Restrictions We maintain a focused underwriting appetite. Please note the following ineligible risks: Property/Casualty coverage in AK, HI, LA, and NM Professional Liability in AK, CA, HI, and LA School Districts are ineligible Transit or Housing Authorities on a stand-alone basis Properties within 25 miles of a coastline in wind-prone areas Automobile risks in MA or NJ Utilities that generate electricity or produce natural gas Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Property and Casualty risks in California are limited to Special Service Districts only. Why Work With Colonial General? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with a deep commitment to the public sector. Our experienced team understands the complex risks faced by municipalities and special districts. With access to multiple carriers and the flexibility to place both admitted and non-admitted business, we help you deliver comprehensive, competitive solutions for your public entity clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for city and county governments, townships, emergency response agencies, law enforcement departments, and special service districts like parks, water, and library boards. Can I place standalone coverages or must they be packaged?Most coverages can be written as part of a package or on a standalone basis, offering flexibility based on your client’s needs. Are school districts eligible under this program?No, school districts are not eligible for coverage under this Public Entity Insurance program. Is this program available on an admitted basis?Yes, we offer both admitted and non-admitted options depending on the risk profile and market availability. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY, with some restrictions in certain states like CA, AK, HI, and LA. Need help placing an account? Connect with a market specialist.

Program Highlights for Homeowner Insurance: Colonial General Insurance Agency, Inc. offers a flexible, comprehensive Homeowner Insurance program to help you place a wide range of residential risks. Whether you're working with a first-time buyer, an experienced property owner, or a client purchasing a secondary residence, our program delivers competitive solutions and placement options to help you win and retain business. Ideal Accounts and Appetite This program is designed for a broad mix of residential exposures, including: One- and two-family owner-occupied homes Secondary or seasonal residences Rental properties Condominium unit owners Tenants seeking renters insurance We are particularly effective at placing risks that standard markets may decline, such as: Homes with prior losses or gaps in coverage New purchases or properties in distressed neighborhoods Applicants with no prior insurance history Lower-value homes that are well maintained Higher-value dwellings requiring tailored coverage Example scenarios you can place through this program: A homeowner who recently had a policy lapse and needs a new HO-3 with competitive terms. An investor with a single-family rental that requires extended liability and loss-of-use protection. Coverage Highlights and Advantages Colonial General uses ISO forms and offers flexibility across HO-3, HO-4, HO-6 and HO-8. Standard, automatic coverages include: Personal property Comprehensive personal liability Medical payments Other structures Loss of use Available endorsements and optional coverages help you tailor policies to client needs, such as: Extended replacement cost Water back-up and sump overflow Identity fraud expense Builder’s risk / course of construction Extended liability for rental or secondary properties Loss assessment and personal injury In-home business coverage (in select states) Underwriting Notes and Market Access Colonial General functions as both a managing general agency and an excess & surplus lines broker, giving you access to a wide range of admitted and non-admitted carriers. Underwriting emphasizes pragmatic, solutions-oriented reviews so difficult-to-place accounts get timely consideration. Some admitted markets are available depending on state and risk characteristics; where admitted capacity is limited, non-admitted options are frequently used to secure coverage. Territories and Availability This homeowner program is available in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Forms, endorsements and program availability may vary by state. Submit detailed information to get a fast, accurate indication for the appropriate market. Why Work with Colonial General? As an experienced MGA and E&S broker, Colonial General combines deep residential underwriting expertise with broad carrier access. Our team specializes in both standard and non-standard homeowner risks and focuses on practical solutions that help you place accounts other markets decline. You get responsive underwriting, flexible product options, and support to help close more business. Frequently Asked Questions What types of homeowner risks does this program accept?The program accepts owner-occupied homes, secondary residences, rental properties, condos, and renters. It also accommodates risks with prior losses, lapses in coverage, or properties in distressed markets. Are admitted markets available through this program?Yes. Some admitted markets are available depending on the state and specific risk. Colonial General also offers access to non-admitted carriers when admitted capacity is not suitable. Can I submit homes with prior claims or no prior insurance?Yes. The program is designed to help agents place risks that have been declined elsewhere, including homes with prior claims or no prior insurance history. Which ISO coverage forms are available?Colonial General offers HO-3, HO-4, HO-6, and HO-8 forms to accommodate various residential exposures. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability and coverages may vary by state. Need help placing an account? Connect with a market specialist.