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...d mixed solid waste carriers Hazardous materials haulers in eligible class...lable up to $1,000,000 (with select hazardous materials haulers in California ...

...ned for businesses that haul non-hazardous scrap and recyclable metal material...port program?Accounts that haul non-hazardous scrap and recyclable metals—owne...

... site, and no heavy equipment or hazardous processes. This program generally w...es, materials, and any flammable or hazardous substances used. Premises expo...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Recycler Insurance program tailored for businesses involved in material recovery. This program is designed for facilities that handle aluminum, copper, glass, plastics, paper, rags, clothing, and electronic devices such as computers, monitors, and televisions. Whether your clients operate a full-scale recycling center or manage off-site collection points, this program provides flexible options to meet their property and liability needs. Ideal Accounts and Appetite This program is a strong fit for accounts that focus on the collection, separation, and resale of recyclable materials. Examples include: Material Recovery Facilities (MRFs) Scrap metal yards handling copper and aluminum Electronic waste recyclers processing computers, TVs, and monitors Clothing and textile recycling operations You might have a client with a regional recycling center that accepts and sorts a mix of metals and electronics. Or perhaps a business that operates drop-off bins for used clothing and sells sorted product in bulk. These are the types of operations that this program is built to support. Coverage Highlights and Advantages This Recycler Insurance program offers flexibility with mono-line or package options. Key coverages include: Commercial General Liability Primary limits up to $3,000,000 Occurrence / Aggregate Hired and Non-Owned Auto coverage Excess or Umbrella limits available up to $25,000,000 $5,000 Medical Payments Coverage included Additional Insureds for $100 each No general liability deductible required Property Coverage Building, Contents, and Business Income Computer Equipment and Equipment Breakdown Inland Marine and Outside Signs Accounts Receivable and Valuable Papers Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value (ACV) Crime Coverage Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary Outside the Premises Underwriting Notes and Market Access Colonial General works with a variety of carriers, offering both admitted and non-admitted solutions depending on the specific risk and state regulations. Appetite may vary by facility type, location, and operational details, so a complete submission is encouraged for underwriting review. The program is accessible through Colonial General’s position as a Managing General Agency and Excess & Surplus Lines Broker, giving agents access to a broad range of markets. Territories and Availability This Recycler Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General Colonial General Insurance Agency, Inc. brings deep expertise in niche commercial programs, including recycling and material recovery operations. As a trusted MGA and E&S broker, Colonial General provides responsive service, underwriting insight, and access to a wide array of markets. If you're looking for a reliable partner to place hard-to-insure recycler accounts or need a comprehensive package for a growing facility, Colonial General can help you find the right solution. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that collect, sort, and resell recyclable materials such as metals, paper, plastics, textiles, and electronics are ideal for this program. Facilities with on- or off-site collection points are also eligible. Is this program available on an admitted basis?Some markets are admitted, while others are non-admitted. Availability depends on the specific risk profile and state location of the insured. What coverages are included in the package?The package can include Commercial General Liability, Property (building, contents, business income), Crime, Equipment Breakdown, Inland Marine, and Umbrella/Excess Liability. Coverage can be customized based on the client’s needs. In which states is this program available?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer coverage for electronic waste recyclers?Yes, the program is designed to include facilities that process electronic devices such as computers, TVs, and monitors. Need help placing an account? Connect with a market specialist.

...t involve public works projects, hazardous waste, or high-risk environmental e... involving public works, mining, or hazardous operations are not eligible. Is ...

...review: High-risk stunts, hazardous locations or exposures may require ...

...erations (e.g., on-site guiding, hazardous-activity operators) may require ref...agency coordinates travel involving hazardous activities. Documentation such...

Colonial General Insurance Agency, Inc. offers a specialized Unusual Construction Insurance program to help agents and brokers place residential accounts that fall outside standard construction parameters. If you work with clients who own, design, or convert unique homes, this program provides access to carriers and underwriters experienced in evaluating and insuring those distinctive risks. Ideal Accounts and Appetite This program focuses on residential structures built with non-standard methods or adapted from non-residential uses. Typical eligible property types include: Monolithic concrete dome homes Straw bale residences Log homes constructed from hand-hewn or milled logs Converted buildings such as former schools, churches, or other institutional structures now used as homes Mountain retreats and remote residences, including properties with water features like streams If your client’s property does not fit standard homeowners or dwelling forms, Colonial General’s Unusual Construction program is designed to help you find an appropriate market. Coverage Highlights and Advantages Colonial General places unusual construction risks with a network of admitted and non-admitted carriers, allowing flexibility to match coverage to the property’s construction, location, and exposures. Typical available coverages include property, premises liability, and endorsements tailored to the unique hazards presented by non-traditional homes. Markets vary by state and risk characteristics, so Colonial General evaluates each submission to identify admitted options where available and E&S solutions when needed. Underwriting Notes Underwriting is handled on a case-by-case basis. Underwriters will focus on structural integrity, construction details, maintenance history, occupancy/use, and prior insurance or loss history. Detailed submissions speed placement—include construction photos, plans or sketches, description of materials and methods, and any recent inspection or engineer reports when available. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has deep regional expertise and carrier relationships across these territories. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines broad market access with underwriters experienced in non-standard residential risks. Their team is set up to help you navigate placements for unique or converted properties and provides responsive support through the submission and binding process. Example scenarios you might place through this program: a client converting a historic church in California into a single-family residence, or a homeowner building a straw bale retreat in New Mexico. In both cases, Colonial General can help identify the best admitted or non-admitted market and required endorsements. Contact Colonial General today to learn more about the Unusual Construction Insurance program and how it can support your unique property accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential structures with non-traditional construction, such as dome homes, straw bale houses, log cabins, and converted churches or schools used as residences. Is this program available in all states?No. Colonial General currently offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes. Colonial General can access both admitted and E&S markets depending on the property, construction type, and location. Can I submit a property located near a stream or with unique environmental features?Yes. Properties with environmental features such as on-site streams or steep terrain may be eligible, but underwriting will review those exposures closely and may request additional information or inspections. What submission information is required?Provide detailed property information, construction details, intended use/occupancy, current photos, and prior insurance or loss history to help expedite underwriting and placement. Need help placing an account? Connect with a market specialist.

...ses. Risks involving significant hazardous materials, heavy manufacturing oper... storage facilities that handle non-hazardous goods. Is this coverage availabl...

...uent, severe losses or unusually hazardous operations may not qualify. Example...rioritizes quick responses, clear communication, and practical solutions that ...