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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.

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Policy Highlights for Builders' Risk Insurance: If your clients are involved in construction or renovation, Colonial General Insurance Agency, Inc. offers a flexible, competitive Builders' Risk program to protect structures and materials during the course of construction. The program accommodates new builds and remodeling projects and is available through select admitted and non-admitted markets, giving you options for standard and harder-to-place risks. Overview of the Builders' Risk Program from Colonial General Colonial General Insurance Agency, Inc. is a regional Managing General Agency and Excess & Surplus Lines broker serving independent agents across the Western United States. With underwriting relationships across admitted and non-admitted carriers, Colonial General can offer tailored Builders' Risk solutions for contractors, developers, builders and property owners. The program supports projects from single-family custom homes to light commercial builds and renovations. Ideal Accounts and Appetite This Builders' Risk program works well for: Residential builders (single-family and multi-family) Light commercial construction (retail, small office, tenant improvements) Remodeling and renovation contractors Developers managing ground-up construction Property owners overseeing their own build projects Projects that present well typically have clear timelines, licensed contractors, required permits, and documented contract values. Colonial General can consider both frame and non-combustible construction; high-hazard projects, large-scale commercial mega-projects, or accounts with unstable work schedules may be less likely to fit without additional underwriting detail. Coverage Highlights and Advantages Property coverage options include: Basic, Broad, or Special Form physical damage coverage Coverage for the building under construction Building materials and supplies in transit or at an unscheduled storage location (standard $5,000 limit; higher limits available on request) Contents and Contractors’ Equipment coverage Equipment Breakdown protection Installation Floater for subcontracted work and materials Replacement Cost valuation where applicable These features help protect clients from theft, fire, vandalism, weather events, and mechanical or equipment failures during the build period. Underwriting Notes Colonial General evaluates submissions individually and offers flexibility across carrier partners. Underwriters will review project scope, construction type, contract language, security controls, and project timeline. Be prepared to provide plans, contractor information, project schedule, and a completed application. Minimum premiums vary by project type, location, and coverage selections—contact Colonial General for specific underwriting and minimum premium guidance on each submission. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Availability can vary by specific project location and risk characteristics, particularly in wind, hail, or other catastrophe-prone areas. Why Work With Colonial General Colonial General combines regional construction expertise with access to both admitted and non-admitted markets, helping agents place standard and more complex Builders' Risk business. Their underwriting team is focused on responsive service and practical solutions, which helps when submitting non-standard projects or when tailored coverage forms are needed. Using Colonial General can speed placement and broaden options for clients who need flexible terms or higher limits. Example scenarios where this program typically fits: You have a client building a cluster of custom single-family homes who needs replacement-cost coverage and materials-in-transit protection. You represent a small developer renovating a retail strip with a defined schedule and licensed subcontractors requiring Builders' Risk during the renovation. Frequently Asked Questions What types of accounts are a good fit for this Builders' Risk program?This program is ideal for residential and light commercial construction projects, including new builds, remodels, and renovations managed by contractors, developers, or property owners. Can this program cover materials in transit or temporary storage?Yes. The program includes a $5,000 limit for building materials and supplies while in transit or at an unscheduled storage location. Higher limits can be requested on submission. Is coverage available for both new construction and renovations?Yes. Colonial General offers Builders' Risk policies for ground-up construction and renovation projects, including interior remodels and structural changes. What states is this Builders' Risk program available in?Coverage is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Specific availability depends on project details and location. Do you work with admitted or non-admitted carriers?Colonial General accesses both admitted and non-admitted markets, providing flexibility to match coverage needs to each project's risk profile. Need help placing an account? Connect with a market specialist.

Policy Highlights for Outfitters Insurance: Colonial General Insurance Agency, Inc. offers a specialized Outfitters Insurance program tailored for businesses involved in outdoor recreational activities. This program is ideal for outfitters and guide services that provide hunting, fishing, hiking, backpacking, or cross-country skiing excursions. Operations that sell or rent outdoor equipment and supplies—without offering guided services—are also eligible under this program. Ideal Accounts and Appetite This program is designed for outfitters and outdoor guides operating in the Western U.S. who need strong liability and property coverage. Target risks include: Hunting and fishing guides Backpacking and hiking tour operators Cross-country skiing instructors and guides Outdoor gear rental businesses Whether your client operates a remote wilderness camp or a storefront offering outdoor equipment rentals, Colonial General can help you place the business. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence and aggregate $5,000 Medical Payments included Errors and Omissions coverage up to policy limits Excess or Umbrella limits available up to $25,000,000 No deductible required Property Coverage Options: Basic, Broad, or Special Form available Building and Contents coverage Business Income and Equipment Breakdown Computer Equipment and Inland Marine Outside Signs and Scheduled Property Floater Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value Crime Coverage Features: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Theft or Robbery (Outside the Premises) Underwriting Notes and Minimum Premiums Coverage is available on a mono-line or package basis, depending on your client’s needs. While minimum premiums are not specified, risks are evaluated based on operations, location, and coverage selections. The program is written through a variety of markets, giving flexibility in underwriting and pricing. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, and Colonial General will help guide you to the best fit based on your client’s risk profile and location. Why Work With Colonial General? Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep experience in niche outdoor and recreation risks. With access to a broad range of carriers and flexible underwriting options, they are well-positioned to help agents and brokers secure comprehensive coverage for their outfitter clients. From backcountry fishing guides to seasonal ski tour operators, Colonial General understands the unique risks and coverage needs of the outdoor industry. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include hunting and fishing guides, hiking and backpacking tour operators, cross-country skiing instructors, and outdoor gear rental businesses. Is this program available for mono-line policies?Yes, Colonial General offers both mono-line and package options depending on the insured’s needs. Are non-guided outdoor equipment businesses eligible?Yes, businesses that provide outdoor equipment and supplies without offering guided services are also eligible under this program. What limits are available for liability coverage?Liability coverage offers primary limits up to $3,000,000 occurrence/aggregate and excess or umbrella limits up to $25,000,000. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. 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.

Program Highlights for Inland Marine Insurance: Colonial General Insurance Agency, Inc. offers a robust Inland Marine Insurance program designed to cover valuable personal property that standard homeowners policies typically exclude or restrict. This program is tailored for agents and brokers seeking flexible solutions for hard-to-place items and specialty risks. With access to a variety of markets and coverages, Colonial General helps you secure the right protection for your clients' most prized possessions. Ideal Accounts and Appetite This program is ideal for personal lines clients with high-value or unique movable property. Coverage is available for a wide range of items, including but not limited to: Jewelry and furs Fine arts and collectibles Musical instruments Cameras and camera equipment Golf carts and golf equipment Guns and firearms collections Postage stamps and coin collections Contents stored in mini-storage units Motorized ground maintenance vehicles Silverware and other household valuables If you have clients with specialized property that doesn't fit within standard property insurance policies, this program can meet their needs with tailored, flexible options. Coverage Highlights and Advantages Colonial General's Inland Marine product offers multiple policy options to accommodate various types of property and risk levels. Key coverage features include: All-Risk Coverage: Broad protection for most classes of property, excluding specific exclusions. Limited or Broad Form for Musical Instruments: Flexible options for amateur and professional musicians alike. Breakage Option for Fine Arts: Specialized protection for fragile and high-value pieces. Named Perils and Burglary Coverage: Available for contents stored in mini-storage facilities, addressing common theft exposures. This program allows you to cover high-value assets that are often underinsured or excluded from standard policies, giving your clients peace of mind. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to place this coverage, ensuring competitive and flexible underwriting. While there is no set minimum premium listed, underwriting guidelines vary by class and item value. Submissions should include complete item descriptions and valuations where applicable. The program can accommodate both scheduled and blanket coverage depending on the client’s needs. Territories and Availability This Inland Marine Insurance program is available to licensed agents and brokers in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some available markets are admitted, while others may operate on a non-admitted basis depending on the risk and jurisdiction. Why Work With Colonial General As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche personal lines markets. If you've struggled to find coverage for unique personal property through standard carriers, Colonial General offers a reliable alternative with underwriting flexibility and access to specialized markets. Their responsive approach and regional focus across the Western U.S. make them a valuable partner in placing difficult Inland Marine risks. Whether your client is a collector, musician, hobbyist, or simply owns high-value personal assets, this program gives you the tools to deliver custom protection beyond the limitations of standard policies. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for personal lines clients with high-value movable property such as jewelry, fine arts, collectibles, musical instruments, and golf equipment. Can I cover items stored in a mini-storage unit?Yes, coverage is available for contents in mini-storage units, with options for named perils and burglary protection. Is coverage available on an all-risk basis?Yes, most classes of property can be covered on an all-risk basis, with specific exclusions and underwriting requirements. What documentation is needed for underwriting?Submissions should include detailed descriptions and valuations of the items to be insured. Photos or appraisals may also be required depending on the item type and value. Which states is this program available in?This Inland Marine Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.