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...program designed specifically for housing authorities of all sizes, operating ... and operational exposures common to housing authorities. Need help placing an account...

...ystems, special districts, public housing authorities and similar public entit... colleges, special districts, public housing authorities, municipal utilities, and pools...

COMMERCIAL BINDING AUTHORITY with Hudson Specialty Insurance Company Atlantic Risk Specialists, Inc./ARS-Latiff, LLC offers agents access to a robust In House Binding Facilities Insurance program backed by Hudson Specialty Insurance Company. This exclusive binding authority allows for fast, flexible quoting and binding on a range of small to mid-sized commercial Property and Casualty risks written on a non-admitted, excess and surplus lines basis. Ideal Accounts and Appetite This program targets a wide array of commercial operations that need General Liability or Package coverage and may also have limited Liquor Liability or Limited Professional Liability exposures. Liquor and Professional Liability must be written in conjunction with the General Liability. Ideal risks are small to medium-sized businesses that may not qualify for standard markets due to class codes, prior losses, or unique exposures. Sample eligible accounts might include: A neighborhood convenience store that also sells beer and wine A small contractor needing GL and Professional coverage for incidental design work A family-owned banquet hall that serves alcohol Coverage Highlights and Advantages Agents working with ARS-Latiff benefit from in-house binding authority, which means faster turnaround times and streamlined workflows. This program offers flexible coverage options including: General Liability Commercial Package Policies Limited Liquor Liability (written with GL) Limited Professional Liability (written with GL) Coverage is provided through Hudson Specialty Insurance Company, a well-capitalized carrier with a strong reputation in the E&S market. Underwriting Notes and Minimum Premiums Minimum premiums for this program start at $1,500, making it accessible for smaller accounts that may not meet thresholds for larger programs. Submissions are reviewed in-house, allowing for responsive underwriting decisions and efficient placement of business. Territories and Availability This in-house binding program is available to licensed agents and brokers in the following states: Connecticut (CT) Florida (FL) New Jersey (NJ) New York (NY) Pennsylvania (PA) As a non-admitted offering, this program is well-suited for risks that fall outside the appetite of standard markets or require more flexible terms. Why Work With Atlantic Risk Specialists, Inc./ARS-Latiff, LLC? ARS-Latiff is a trusted E&S broker with strong carrier relationships and in-house authority that empowers agents to place challenging risks quickly and confidently. Their underwriting team understands the nuances of small to mid-sized commercial exposures and works closely with agents to craft appropriate coverage solutions. Whether you’re looking to place a single location with liquor exposure or a multi-class package risk, ARS-Latiff can help you meet your client’s needs with speed and expertise. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized commercial operations needing GL or Package coverage, especially those with incidental liquor or professional exposures. Is Limited Liquor or Professional Liability available as a standalone policy?No, both Limited Liquor and Limited Professional Liability must be written in conjunction with General Liability coverage. How fast can I get a quote through this program?Since ARS-Latiff has in-house binding authority, turnaround times are generally faster than traditional markets. Most quotes are returned quickly, depending on the completeness of the submission. What is the minimum premium?The minimum premium for this program starts at $1,500, though final pricing depends on risk characteristics and coverage selections. Which states are eligible for this binding facility?This program is available in Connecticut, Florida, New Jersey, New York, and Pennsylvania. Need help placing an account? Connect with a market specialist.

... needs of mobile and manufactured housing owners, dealers and park operators. ... in the mobile home and manufactured housing sector, holds underwriting author...

...argeted RV parks and manufactured housing parks program designed for the uniqu...multi-site RV parks and manufactured housing communities with documented opera...

...needs of the growing manufactured housing industry. With over 15 years of nati... dealers, RV parks, and manufactured housing communities with owned rental uni...

Policy Highlights for Private Investigative Agencies: Colonial General Insurance Agency, Inc. offers a dedicated Private Investigative Agencies Insurance program designed for firms that provide armed or unarmed security personnel (with or without animals), private investigators, polygraphists, process servers, firearms training/certification schools, and claims adjusters with limited draft authority. Property and liability coverages are available on a monoline or package basis through admitted and surplus markets. Overview of the Program from Colonial General This program gives independent agents access to specialized underwriting for investigative and security-related operations across the Mountain West and Southwest. Coverage is placed through a mix of admitted and excess & surplus markets depending on exposure and state—Colonial General acts as a managing general agency and E&S broker to match accounts to appropriate markets. Ideal Accounts and Appetite Stand-alone private investigative firms providing surveillance, background checks, skip tracing, and process serving. Security and patrol companies offering armed or unarmed guards, including K9 units. Firearms training or certification schools, and instructors with documented curricula and safety procedures. Claims adjusters operating with draft authority of $5,000 or less. We typically favor businesses with formal policies, documented training, and clear limits on employee authority. Accounts with high-risk activities (e.g., private military contracting, high-value executive protection with weapons policy gaps, or significant guard force violence claims history) may be declined or require referrals to specialty markets. Coverage Highlights and Advantages Commercial General Liability available with primary limits up to $3,000,000 (occurrence and aggregate). $5,000 Medical Payments coverage included. Additional interests extended—$100 each. Assault & Battery included at policy limits; sub-limits available with a rate adjustment. Errors & Omissions (E&O) coverage part available to address professional liabilities. Lost Key coverage—$25,000 limit on qualifying Security & Patrol accounts. Property Damage Extension (care, custody & control) included at $5,000 / $25,000 limits on Security & Patrol Program placements. Excess/umbrella capacity up to $25 million for larger aggregate needs. Property options: Basic, Broad, or Special forms for building, contents, and business income; replacement cost or actual cash value available. Crime coverage available for inside and outside the premises theft, robbery/safe burglary, and related exposures. Underwriting Notes Underwriters will review training programs, hiring and background screening procedures, use-of-force policies, vehicle operations, and contract language. Key factors that influence pricing and placement include: Degree of armed operations and documented firearms training. Claims and loss history, especially related to assault, battery, or weapons incidents. Whether patrols are stationary or mobile and if animals (K9) are used. Contractual indemnities, client indemnification language, and hold-harmless agreements. Because Colonial General works with both admitted and surplus markets in some states, placement may vary by state and account characteristics. Refer to the company’s underwriting guidelines for additional submission requirements. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier; some classes may be placed admitted where markets permit, while others will be placed non-admitted through E&S facilities. Why Work With Colonial General on Private Investigative Business Colonial General combines specialty underwriting relationships with program-level knowledge of investigative and security risks. Agents benefit from targeted coverage options (including assault & battery and lost key limits), access to excess capacity, and flexible property/crime combinations that fit the common exposures of this sector. A risk management/loss prevention brochure is available to help insureds reduce frequency and severity of losses. Example Fits You might have a mid-size private investigation firm that conducts surveillance and background checks with a small fleet of marked vehicles—this program can package GL, E&O, and business property on one placement. A local firearms training school with certified instructors and written safety protocols may qualify for liability and premises property coverage, with options to add excess limits as class sizes grow. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Private Investigative Agencies program?Firms providing private investigation, process serving, polygraph services, security and patrol (armed or unarmed), K9 units, firearms training schools, and claims adjusters with limited draft authority are good fits—especially those with formal training and documented procedures. Are assault and battery exposures covered?Yes. Assault & battery coverage is included at policy limits; sub-limits may be available with an adjustment to pricing depending on the account’s risk profile and history. Can I place property and crime coverages through this program?Yes. Property coverage (basic, broad, or special form) for building, contents, and business income is available, and crime forms include inside and outside premises theft and robbery/safe burglary options. Which states are eligible for this program?The program writes in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Placement availability (admitted vs. non-admitted) varies by state and carrier. What information should I include with a submission?Provide a current application, loss history, employee screening and training procedures, sample contracts, and details on armed operations or K9 use. Specific requirements are available from Colonial General’s underwriting team. Need help placing an account? Connect with a market specialist.

...t combines counseling, detox, and housing support — this program may be a grea... Psychiatric Hospitals Public Housing and Housing Authorities Sex Offender Programs V...

...ithout providing hands-on care or housing. You may also place multi-site refer...e direct medical care or residential housing — are generally a good fit. What ...

... holdings Municipal buildings housing curated art exhibits or permanent co...