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Policy Highlights: Colonial General Insurance Agency, Inc. provides a dedicated Detective Agency Insurance program for agents placing private investigators, security firms, and related exposures. The program is built to address the specialized risks of private investigators, armed and unarmed security guards, K-9 units, polygraphists, process servers, firearms trainers/certification schools, and claims adjusters with limited draft authority (up to $5,000). It combines flexible liability limits, optional E&O, property and crime solutions, and excess capacity to help you place complex or niche accounts. Ideal Accounts and Appetite This program is well-suited for a range of investigative and security operations, including: Private investigation firms performing surveillance, background checks, skip tracing, or witness location Security companies providing on-site armed or unarmed guard services Organizations using trained animals for patrol or detection duties (K-9 units) Process serving and legal support services Firearms training and certification schools or instructors Claims adjusters with limited draft authority (typically up to $5,000) Colonial General can place both new startups and established firms. Typical fits are operations with formal training, written procedures, and reasonable loss-control measures. Higher-risk operations (e.g., contractors with extensive use of force, high-value executive protection with complex travel exposures, or accounts with significant regulatory or disciplinary history) may require additional underwriting review or alternative placement. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 per occurrence and aggregate $5,000 Medical Payments included Assault and Battery coverage included at policy limits; sub-limits can be selected for premium savings Errors & Omissions (E&O) Coverage Part available to address professional liability exposures Lost Key Coverage—$25,000 limit included for eligible Security and Patrol accounts Property Damage Extension for Care, Custody & Control—options such as $5,000 / $25,000 limits Additional interest reporting—$100 each Excess and umbrella capacity available up to $25 million Access to loss prevention resources and underwriting guidance Property Coverage: Available on Basic, Broad, or Special forms Options for Building, Contents and Business Income coverage Choice of Replacement Cost or Actual Cash Value valuation Crime Coverage: Theft of Money and Securities (inside the premises) Robbery or safe burglary of other property (inside the premises) Coverage for specified loss exposures occurring outside the premises Underwriting Notes and Minimum Premiums Colonial General underwrites these accounts with flexibility and a focus on operational controls. Underwriters evaluate each risk based on operations, training, weapon/force usage, hiring practices, contract wording, loss history, and geographic exposures. Minimum premiums and binding requirements vary by class and state; accounts are reviewed case-by-case to determine the appropriate structure and pricing. Helpful submission items: current applications, sample contracts, client training and hiring policies, loss runs, and details on weapons handling or K-9 certification where applicable. Territories and Availability This Detective Agency Insurance program is currently available in the Western states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General offers admitted and non-admitted placement options depending on the state, risk characteristics, and capacity needs. Confirm availability for a specific account during submission. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep niche expertise and broad market access for investigative and security risks. You gain: Specialized underwriting that understands the operational nuances of private investigators and security firms Access to multiple carriers and excess capacity—useful for layered limits or difficult-to-place exposures Flexible package or monoline options to tailor coverage to each insured’s needs Supportive placement process and loss-control resources to help mitigate exposures and improve insurability Example scenarios that fit well: You might have a mid-sized security company that provides armed on-site guards and wants combined GL, assault & battery, and excess limits; or a private investigation firm that needs general liability plus E&O for surveillance and background-check services. Colonial General can evaluate those accounts and propose tailored solutions. Frequently Asked Questions What types of accounts are a good fit for this program?Private investigators, armed and unarmed security companies, K-9 units, process servers, polygraphists, firearms training schools, and claims adjusters with limited draft authority are typically a good fit. Is Assault and Battery coverage included?Yes. Assault and Battery is included at policy limits; you can request sub-limits to reduce premium where appropriate. Are monoline and package policy options available?Yes. Colonial General offers both monoline and package policy structures to match the client’s coverage needs and budget. In which states is this program offered?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by admitted vs. non-admitted options. Can I get Excess or Umbrella coverage with this program?Yes. Excess and umbrella limits are available up to $25 million for qualifying accounts to provide layered liability protection. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. provides a focused Security Patrol Insurance program for agencies and contractors operating in higher-risk security and investigative roles. Whether your client employs armed or unarmed guards, operates K-9 units, conducts private investigations, provides process serving, or runs firearms training, this program is designed to deliver comprehensive liability and property protection tailored to those exposures. Eligible classes also include polygraphists, process servers, and claims adjusters with draft authority of $5,000 or less. Ideal Accounts and Appetite This program is well suited for a wide range of security-related businesses, including: Security guard and patrol companies (armed or unarmed) Contract firms using K-9 units Private investigation agencies Process serving operations Firearms certification instructors and training schools Claims adjusters with limited draft authority Typical fits include regional patrol companies that provide armed and unarmed guards for retail, construction, or event sites, and private investigators who also offer contract security or process serving. The program favors disciplined operations with documented training, written procedures, and loss control measures. Coverage Highlights and Advantages Commercial General Liability Coverage includes: Primary limits available up to $3,000,000 occurrence / aggregate $5,000 Medical Payments—automatically included Additional Interests—$100 each Assault & Battery—covered at full policy limits (optional sub-limits offered at discounted rates) Errors & Omissions Coverage Part for professional exposures Lost Key Coverage—$25,000 limit included Property Damage Extension for Care, Custody & Control—$5,000 / $25,000 limits Excess/Umbrella capacity available up to $25 million Loss prevention brochure and best practices guidance to support underwriting and risk control Property Coverage options include: Basic, Broad, or Special Forms Building, Business Income, and Contents coverage Replacement Cost or Actual Cash Value basis available 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 Colonial General can write coverage on a monoline or package basis and uses flexible underwriting to address the specific operations and exposures of each firm. Underwriting will consider employee hiring practices, training programs, weapons-handling controls, K-9 handling, and documentation of client contracts and scopes of work. Access to admitted and non-admitted markets helps place accounts that may require broader forms or higher limits. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some coverages are offered on admitted paper where available; Excess & Surplus options are used when the risk or jurisdiction requires non-admitted placement. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise in security and investigative exposures with broad market access. Their underwriters and market contacts allow you to place complex or hard-to-insure accounts with tailored forms, higher limits, and loss-control guidance — all aimed at keeping risks in forceable, well-documented programs. Learn more about Colonial General and their capabilities by visiting their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Security patrol firms, private investigators, process servers, firearms instructors, and adjusters with limited draft authority are all good fits, especially when they have documented training and client contracts. Are both armed and unarmed guards eligible?Yes. The program accepts accounts with armed or unarmed personnel, including operations that use guard dogs, subject to underwriting review of training and weapons controls. Is Assault & Battery coverage included?Yes. Assault & Battery is included at policy limits; sub-limits are available as a lower-cost option where appropriate. Which states is this program available in?Coverage is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I combine Property and Liability coverages?Yes. The program supports monoline or package placements, and property, crime, and excess limits can be added to match the client’s exposures. Need help placing an account? Connect with a market specialist.

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