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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 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.