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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Welding Insurance program designed for contractors performing welding or cutting services for others. This program is ideal for accounts with limited exposure—specifically, those with no more than 15% of their gross receipts coming from metal erection or machinery/equipment installation, servicing, or repair. It is not intended for risks primarily involved in fabrication work. Ideal Accounts and Appetite This program targets small to mid-sized mobile or on-site welding contractors. Suitable accounts include independent welders performing repairs, maintenance, or specialty welding in commercial or industrial settings. For example, if you have a client who performs mobile welding on construction sites but has minimal involvement in structural steel erection, this program could be a strong fit. Accounts that focus heavily on fabrication or have significant exposures related to equipment installation or servicing are outside the appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3 million occurrence/aggregate Medical Payments Coverage included with a $5,000 limit Excess or Umbrella limits up to $25 million available Minimum deductible of $500 applies Crime Coverage: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Property Coverage Options: Basic, Broad, or Special Form Building and Business Personal Property Accounts Receivable Business Income Computer and Contractors’ Equipment Equipment Breakdown and Installation Floater Outside Signs Valuable Papers Replacement Cost or Actual Cash Value Underwriting Notes and Minimum Premiums While underwriting flexibility is available, a minimum deductible of $500 is required. Accounts should be well-managed with a clear focus on welding or cutting services. Risks primarily engaged in fabrication are not eligible. Submit complete applications with accurate revenue breakdowns to ensure proper classification and pricing. Territories and Availability This Welding Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options are available, depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty contractor programs. By working with Colonial General, you gain access to a variety of markets and tailored underwriting support for welding-related accounts. Their focus on regional availability and practical coverage solutions makes them a valuable partner for agents and brokers placing niche contractor risks. Frequently Asked Questions What types of accounts are a good fit for this Welding Insurance program?Independent welding contractors who perform on-site or mobile services with limited involvement in metal erection or equipment installation are a good fit. Fabrication-focused businesses are not eligible. Is the program available on an admitted basis?Some markets are available on an admitted basis, depending on the state and nature of the risk. Non-admitted options are also offered. What is the maximum liability limit available?The program offers primary liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million. In which states is the program currently available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What are common reasons a risk may not be eligible?Risks primarily involved in fabrication, or those with more than 15% of receipts from metal erection or equipment installation, generally do not qualify. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a tailored Push Cart Insurance program designed specifically for mobile vendors operating with push carts, kiosks, temporary booths, and tables. This program provides a flexible insurance solution for vendors selling food, beverages, merchandise, or offering services in high-traffic pedestrian areas, at events, or in temporary marketplaces. Ideal Accounts and Appetite This program is ideal for insureds who operate: Food and beverage push carts (hot dogs, ice cream, coffee, etc.) Retail carts selling clothing, accessories, or handmade goods Temporary booths at fairs, festivals, and farmers markets Kiosks in malls or public spaces Accounts with limited or no permanent structure, minimal cooking exposures (or controlled cooking methods), and operations conducted in public or semi-public venues are strong candidates. This program is not intended for permanent brick-and-mortar businesses or vendors with high-hazard operations. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence / Aggregate Liquor Liability available for qualifying risks Additional Insureds—Included at no extra cost $5,000 Medical Payments—Included Excess or Umbrella limits up to $25,000,000 Property Coverage Options: Basic, Broad, or Special Form Coverage for Buildings (if applicable) Business Income protection Contents and Equipment Breakdown Inland Marine coverage for mobile equipment and inventory Replacement Cost or Actual Cash Value Scheduled Property Floater available Whether your client sets up at local farmers markets or manages multiple vending locations, this program can help protect their assets and operations with tailored limits and coverage forms. Underwriting Notes Colonial General works with a variety of carriers to provide flexible solutions, including access to both admitted and non-admitted markets, depending on state and risk profile. Underwriting is focused on clean operations with well-defined hours, safety protocols, and limited exposure to high-risk cooking methods or hazardous products. Contact Colonial General for specific underwriting guidelines and risk eligibility. Territories and Availability This Push Cart Insurance program is currently 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? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. has the niche expertise and carrier relationships to help you place hard-to-insure or mobile business accounts. Their experienced underwriting team understands the unique exposures faced by push cart and kiosk operators, and they provide responsive support with competitive market access across the western U.S. Whether you’re placing a seasonal ice cream cart in Utah or a retail kiosk in a California shopping center, Colonial General can help you secure the coverage your clients need to operate with confidence. Frequently Asked Questions What types of accounts are a good fit for this Push Cart Insurance program?This program is ideal for mobile vendors using carts, kiosks, or booths to sell food, beverages, merchandise, or services in public or temporary locations. Does the program cover food vendors with cooking equipment?Limited cooking exposures may be acceptable, depending on the method and controls in place. Open flame or deep-frying operations may be restricted. Contact underwriting for specifics. Is liquor liability available under this program?Yes, liquor liability coverage is available for qualifying risks, such as vendors selling alcoholic beverages at permitted events. Can this program provide coverage in multiple states?Yes, coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can help place risks across these western states. Are additional insured endorsements included?Yes, additional insureds are included at no extra cost, which is especially helpful for vendors participating in events or renting space from municipalities or private venues. Need help placing an account? Connect with a market specialist.

Policy Highlights for Guide Insurance: Colonial General Insurance Agency, Inc. offers a specialized Guide Insurance program designed for outdoor recreational service providers. This program is ideal for businesses offering guided activities such as hunting, fishing, hiking, backpacking, and cross-country skiing. It also accommodates outfitters who supply outdoor equipment and gear without directly providing guide services. Ideal Accounts and Appetite This program targets small to mid-sized guide and outfitter operations located in the western U.S., including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Eligible classes include: Hunting and fishing guides Hiking and backpacking tour providers Cross-country skiing instructors and guides Outdoor equipment suppliers and outfitters (non-guided) Whether your client operates seasonally or year-round, Colonial General can help you place coverage that addresses the unique exposures of guiding services in rugged and remote environments. Coverage Highlights and Advantages Commercial General Liability Coverage available for guides: Primary limits up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments included Errors and Omissions Coverage—up to policy limits Excess or Umbrella limits up to $25,000,000 No deductible required Property Coverage available: Building, Contents, and Business Income Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value options Computer Equipment and Equipment Breakdown Scheduled Property Floater and Inland Marine Valuable Papers and Accounts Receivable Outside Signs Crime Coverage available for guides: Inside the Premises—Theft of Money and Securities Robbery or Safe Burglary of Other Property Outside the Premises coverage for transit exposures This comprehensive suite of coverages ensures your clients are protected from typical exposures faced by outdoor recreation businesses, including professional liability, property loss, and crime-related risks. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to provide flexible solutions tailored to each account. While minimum premiums are not listed, underwriting is competitive and responsive. Submissions are evaluated based on services offered, experience, safety protocols, and geographic location. You might have a client who runs a small outfitter shop in Colorado that rents gear and occasionally leads weekend backpacking trips. Or perhaps a fishing guide in Idaho looking for liability protection and inland marine coverage for boats and equipment. These types of operations may be a strong fit for this program. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage is offered through both admitted and non-admitted markets, depending on the risk characteristics and state regulations. Why Work With Colonial General Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and E&S broker with deep expertise in niche and hard-to-place risks. Their Guide Insurance program reflects a strong understanding of the outdoor recreation industry and its unique insurance needs. With access to multiple markets and a flexible underwriting approach, Colonial General helps independent agents place business efficiently and competitively. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include guided hunting, fishing, hiking, and cross-country skiing operations, as well as outfitters that provide outdoor gear without offering guided services. Is Errors and Omissions (E&O) coverage included?Yes, E&O coverage is included up to the policy limits as part of the Commercial General Liability section. Can this coverage be written on a mono-line basis?Yes, both mono-line and package policy options are available to suit your client’s needs. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What carriers does Colonial General work with for this program?Colonial General works with a variety of carriers and markets, offering both admitted and non-admitted options depending on the account and location. Need help placing an account? Connect with a market specialist.