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Professional Program Insurance Brokerage (PPIB) offers: Pyrotechnics Insurance. Professional Program Insurance Brokerage (PPIB) provides specialized Pyrotechnics Insurance designed for businesses that handle fireworks, explosives, and theatrical special effects. As a program administrator working in the non-admitted market, PPIB pairs experienced underwriting with access to markets that understand pyrotechnic exposures—helping agents place accounts that are often hard to place through standard carriers. Ideal Accounts and Appetite PPIB’s Pyrotechnics program is targeted to operations that require tailored liability and property protection because of their use of explosive or theatrical materials. Target classes include: Fireworks manufacturers Explosives importers Class C retail fireworks stores Class B fireworks wholesalers Public and private firework display companies Special effects and theatrical pyrotechnics firms Confetti cannon operators Mock military or tactical training providers Air show coordinators Indoor and stadium special effects vendors Typical fits are well-managed display operators, licensed manufacturers or importers, and event vendors with documented safety programs and trained personnel. Accounts generally should demonstrate regulatory compliance, secure storage and transport practices, and a controlled operational environment. PPIB will consider complex or high-profile risks that require flexible non-admitted solutions; small retail-only operations without appropriate licensing or poor loss control may be declined. Coverage Highlights and Advantages PPIB offers annual policies that can include the following lines tailored for pyrotechnic exposures: General liability (including event liability and premise hazards) Property coverage for facilities, inventory and equipment Commercial auto and haulage for transit of fireworks and components Workers’ compensation and employer liability Cargo coverage for shipments and imports These coverages address common exposures such as public liability at displays, transit and storage risks, employee injury during handling or setup, and damage to rented venues or third-party property. PPIB’s underwriters look for detailed operational controls and can structure limits and endorsements appropriate to the account’s risk profile. Underwriting Notes and Minimum Premiums This program is non-admitted and each submission is individually underwritten. Strong submissions include: Detailed descriptions of operations and event types Standard operating procedures, safety programs and training records Storage, handling and transportation protocols Licenses, permits and any industry certifications Loss runs and prior claims information PPIB emphasizes accounts that demonstrate active risk management and regulatory compliance. Minimum premiums vary by risk, class, and territory; discuss the specifics with a PPIB underwriter or market specialist when preparing a submission. Territories and Availability PPIB writes pyrotechnics business in most U.S. states and can assist agents placing accounts in 48 states plus Washington, D.C. Availability is subject to local regulatory requirements and market appetite—contact PPIB for state-specific confirmation and any exceptions. Why Work With PPIB? Professional Program Insurance Brokerage has decades of experience placing niche and hard-to-place risks. For pyrotechnics business, PPIB offers: Access to specialized non-admitted markets that understand explosive and theatrical risks Underwriters experienced in event, manufacturing, import and transit exposures A focus on practical risk management—rewarding accounts with documented controls Responsive service and guidance on submission requirements You might have a client that stages municipal fireworks displays requiring multi-day event liability and transit coverage, or a concert production company that needs venue, liability and special effects protection for indoor performances. PPIB’s program is designed to help you place those accounts with appropriate limits and terms. Contact Professional Program Insurance Brokerage (PPIB) for your Pyrotechnics Insurance placements. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include fireworks manufacturers, display operators, special effects companies, and businesses involved in mock military training or air shows. What coverages are available through this program?PPIB offers general liability, property, commercial auto, workers compensation, and cargo coverage tailored for pyrotechnics operations. Is this program admitted or non-admitted?This is a non-admitted program, allowing greater flexibility in underwriting complex or higher-risk accounts. Which states is the program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and IL, among many others. Contact PPIB for specific state availability. What information is needed to get a quote?Agents should provide detailed descriptions of operations, safety procedures, prior loss history, and any licenses or certifications held by the insured. Need help placing an account? Connect with a market specialist. ...

Professional Program Insurance Brokerage (PPIB) offers: Home Based Manufacturing Insurance Are you placing accounts that manufacture cosmetic or personal care products from a residential location? Professional Program Insurance Brokerage (PPIB) offers a focused Home-Based Manufacturing Insurance program for small-scale cosmetic manufacturers, private labelers, and boutique distributors who operate from home. The program is built for businesses that formulate, package, and brand their own natural or organic lotions, creams, soaps, salt scrubs, and similar items — not for large industrial plants or facilities using heavy industrial chemicals. Ideal Accounts and Target Appetite PPIB’s Home-Based Manufacturing program targets agents with clients such as: Home-based cosmetic manufacturers and formulators Natural and organic skincare producers Private label brands operating from residential locations Small-batch distributors selling online, at markets, or through retail partners This program works best for insureds who control formulation, packaging, and branding and who use primarily natural/organic ingredients. It is not intended for large-scale, industrial manufacturing, operations using synthetic or regulated chemicals beyond personal care scope, or businesses with heavy production equipment or significant on-site employee exposure. Coverage Highlights and Advantages PPIB provides flexible liability and property solutions tailored to the exposures of home-based cosmetic businesses. Typical coverages include: General Liability for premises and operations Products Liability to address bodily injury or property damage from product use Property coverage for eligible contents and equipment (where applicable) Optional endorsements to address unique risks such as additional product exposure or expanded distribution outlets These options help agents protect clients from claims related to product reactions, labeling errors, packaging defects, and distribution incidents — common risks in small-batch skincare and cosmetics. Underwriting Notes and Minimum Premiums This program is offered on a non-admitted basis in available states. Underwriting focuses on product type, ingredient transparency, labeling and ingredient lists, good manufacturing practices for small operators, and distribution channels. Agents should be prepared to provide product lists, ingredient declarations, labeling examples, and information about where and how products are sold. Accounts are reviewed individually; underwriting may decline or restrict accounts that exceed the scope of home-based operations or use regulated chemicals. Territories and Availability PPIB’s Home-Based Manufacturing Insurance is broadly available nationwide. The program is open in 48 states plus the District of Columbia and commonly placed in states including CA, TX, FL, NY, IL, and WA. Availability can vary by state and product exposures — submit details for a prompt territory confirmation. Why Work With Professional Program Insurance Brokerage? PPIB is a program administrator with deep experience placing creative and hard-to-place risks. Agents benefit from a responsive underwriting team that understands the nuances of small-batch cosmetics, private labeling, and home-based branding. PPIB provides access to specialty non-admitted capacity that may not be available through standard admitted markets, helping you place clients who need tailored product and liability protection. You might have a client who crafts an organic soap line sold online and at local markets, or a small private-label skincare brand that develops its own formulas and ships nationwide. Those are the types of accounts where this program is intended to help agents secure appropriate limits and endorsements to manage product and premises exposures. Contact PPIB to discuss eligibility and submission requirements so you can place your clients with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for home-based businesses that manufacture natural cosmetic products such as lotions, creams, soaps, and salt scrubs. It’s also suitable for small distributors and private label brands operating out of residential locations. Does the program cover product liability?Yes, products liability is a core component of the coverage and addresses exposures from the sale and use of cosmetic and skincare products. Is this program admitted or non-admitted?This program is offered on a non-admitted basis in most U.S. states through Professional Program Insurance Brokerage. Can clients who sell their products online or in retail stores qualify?Yes. Businesses that sell online, through retail outlets, at markets, or at events are typically eligible provided they meet underwriting guidelines around ingredients, labeling, and operations. What underwriting information is required to submit an account?Underwriters typically request the list of products manufactured, ingredient lists or declarations, copies of product labels, a description of the production area and processes, and details on distribution channels (online, retail, markets, etc.). Need help placing an account? Connect with a market specialist. ...

Professional Program Insurance Brokerage (PPIB) offers: Medical Directors Insurance. Medical Directors face unique liability exposures depending on their level of involvement in patient care and the type of facility they oversee. PPIB’s Medical Directors Insurance program is designed to help insurance agents and brokers place coverage for a wide variety of client types, ranging from direct patient care roles to purely administrative or consulting positions. Retroactive coverage can also be considered, providing additional flexibility for your insureds. Ideal Accounts and Appetite PPIB can support Medical Directors operating in a broad spectrum of industries and facilities, including but not limited to: Occupational Therapy Clinics Women’s Health Clinics Research Laboratories Prison Systems Large Corporations and Businesses Medical Spas Colleges, Schools, and Universities Long-Term Care and Assisted Living Facilities Salons and Spas Animal Ranches Tattoo Studios Submissions are also welcome for other non-standard operations on a case-by-case basis. In addition, PPIB can consider professional liability coverage for various consultant roles, such as: Marijuana Facilities Healthcare Staffing Agencies Expert Witnesses This flexibility makes it easier to place hard-to-insure accounts or those with unusual risk profiles. Coverage Highlights and Advantages Professional Liability for Medical Directors with direct, indirect, or no patient care Coverage available on a claims-made basis Retroactive coverage options available Non-admitted solution offering broader underwriting flexibility Whether your client is a physician overseeing clinical protocols at a research lab or a medical director consulting for a beauty clinic, this program provides tailored protection for their professional activities and exposures. Underwriting Notes Submissions evaluated on a case-by-case basis No minimum premium specified—contact PPIB for pricing details Applications should include detailed descriptions of services provided and facility type Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, PA, and WA. PPIB can write Medical Directors Insurance in all states except those where prohibited. Coverage is written on a non-admitted basis, offering flexibility to craft customized solutions. Why Work With Professional Program Insurance Brokerage? PPIB is a recognized master policy holder and program administrator with deep expertise in niche and emerging markets. They specialize in placing difficult risks and offer responsive service and underwriting flexibility. If you’re an agent or broker with clients operating in non-traditional healthcare roles or facilities, PPIB can help you secure the professional liability coverage they need. You might have a client who acts as the medical director for a chain of beauty clinics, or another who provides medical oversight for a marijuana dispensary. These types of accounts are well within PPIB’s appetite and can be submitted for prompt review. Contact Professional Program Insurance Brokerage (PPIB) for all your Medical Directors Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for Medical Directors working in clinics, spas, research labs, educational institutions, prison systems, healthcare agencies, and non-traditional settings like tattoo studios or marijuana facilities. Does this program cover Medical Directors who do not see patients?Yes, coverage is available for Medical Directors engaged in direct, indirect, or no patient care roles. Is retroactive coverage available?Yes, retroactive coverage can be considered depending on underwriting review. In which states is this program available?The program is available in most U.S. states, including CA, TX, NY, FL, IL, and more. Contact PPIB to confirm availability in specific states. What information is required for a submission?Submissions should include a detailed description of the insured’s role, facility type, scope of services, and any claims history. Need help placing an account? Connect with a market specialist. ...

Professional Program Insurance Brokerage (PPIB) offers: Products Liability Insurance. Overview of the Program from PPIB Professional Program Insurance Brokerage (PPIB) provides access to specialized Products Liability Insurance for manufacturers, distributors, importers, and other businesses that deal with physical goods. As a program administrator with deep experience in niche markets, PPIB delivers flexible, responsive underwriting for hard-to-place product liability risks, including emerging and unconventional industries. Ideal Accounts and Appetite This program is tailored for insureds involved in the production, sale, or distribution of consumer and industrial products. Target classes include: Manufacturers Importers and exporters Distributors Private label and white label brands Tattoo equipment and supplies Medical devices Marijuana and cannabis-infused products Research & development firms Clinical trial vendors PPIB has also placed coverage for accounts in: Beauty products Electronic cigarettes (e-cigs) Skin care and cosmetics Makeup lines Vitamins and nutraceuticals Medical marijuana edibles Tattoo and body piercing supplies If you represent clients launching new or innovative products, or clients who have been declined by standard markets, this program can provide a viable placement option. Coverage Highlights and Advantages PPIB’s products liability program includes features designed for complex and higher-exposure risks: True worldwide coverage — Claims brought anywhere in the world are eligible for coverage, supporting global distribution models. Retroactive coverage — Available for risks transferring from other carriers to help preserve continuity of protection. Non-admitted capacity — Useful for accounts outside the appetite of admitted carriers due to product type, claims history, or other factors. Underwriting Notes Submissions are underwritten on a case-by-case basis. PPIB evaluates product type, distribution channels, sales volume, manufacturing controls, and quality/safety protocols. Provide complete applications and supporting documents — product descriptions, labels, safety data, manufacturing processes, and loss history — to expedite review. Minimum premiums vary by risk; PPIB focuses on placing niche and specialty risks that may not fit standard markets. Territories and Availability Coverage is available nationwide. PPIB can write business in all 50 states plus Washington, D.C., and routinely places business in states such as CA, NY, TX, FL, IL, and WA. Policies are offered on a non-admitted basis. Why Work With PPIB? PPIB brings decades of underwriting experience in specialty and emerging product classes. Their team understands the technical and regulatory complexities that come with novel or high-exposure products and offers tailored solutions when admitted markets are unavailable. You get underwriters who will consider unconventional risks, flexible placement options, and support for continuity of coverage. Examples agents might present: A small manufacturer of a new cosmetic line that needs worldwide product liability limits after being turned down by standard carriers. An importer of tattoo equipment seeking coverage with specific limits and retroactive protection after switching carriers. Contact Professional Program Insurance Brokerage (PPIB) today for your Products Liability Insurance placement needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, importers, distributors, and private label businesses, especially those in niche industries like tattoo supplies, cannabis products, skin care, and medical devices. Can this program handle products sold internationally?Yes, PPIB offers true worldwide coverage, which means claims brought anywhere in the world can be covered, making it suitable for global distribution models. Is retroactive coverage available?Yes, retroactive coverage is available for risks renewing from another carrier, helping maintain continuity in coverage for your insureds. What documents are needed for submission?Complete applications along with product details, safety information, manufacturing processes, and loss history (if any) are typically required to begin the underwriting process. Is this program admitted in any states?No — this program is written on a non-admitted basis across all available states. Need help placing an account? Connect with a market specialist. ...

Professional Program Insurance Brokerage® (PPIB) is pleased to introduce its specialized Workers Compensation program tailored for hard-to-place and niche industries. As a trusted Managing General Agency with decades of experience, PPIB brings a targeted solution for agents and brokers seeking Workers Compensation markets for unique businesses that often fall outside traditional underwriting appetites. Ideal Accounts and Appetite This program is designed for niche businesses in the personal services and wellness sectors. If you have insureds in the following industries, this program may be a strong fit: Medispas Day Spas Tattoo/Body Piercing Parlors Medical Testing Labs Beauty Salons Doctor Offices Permanent Makeup Artists Smoke/Vape Shops (Retail only, no 24-hour operations) Cosmetology Schools You might have a client operating a chain of medispas across three states or a single-location tattoo parlor with a growing staff—this program offers a place to write that Workers Comp business confidently. Coverage Highlights and Advantages The PPIB Workers Compensation program includes Employers Liability coverage with limits up to $1 million. It is available through all applicable markets, providing flexibility in placement. Because these industries often present unique worksite risks and employee classifications, the program is underwritten with deep awareness of each niche’s operations and exposures. Key benefits include: Coverage crafted for specialty personal service industries Access to multiple markets for competitive placement Employer’s Liability limits up to $1M Responsive service from an experienced MGA Underwriting Notes and Minimum Premiums Each submission is reviewed carefully to ensure a proper fit, with attention to operations, safety practices, and employee duties. While minimum premiums are not specified, accounts should demonstrate sound risk management practices and be retail-focused (where noted). For example, smoke/vape shops must be retail only and cannot operate 24 hours. Territories and Availability This Workers Compensation program is currently available in the following states: Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, North Carolina, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, and Wisconsin. Why Work With PPIB? PPIB has long been recognized for its commitment to underserved and emerging industry segments. As a Managing General Agency with a national footprint, PPIB offers agents access to programs that are difficult to find elsewhere. Their team understands the nuances of niche businesses and delivers fast, knowledgeable service to help you place tough Workers Compensation accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for niche businesses in the personal services and wellness sectors, including medispas, tattoo parlors, beauty salons, and smoke/vape shops (retail only). Are there restrictions for certain classes?Yes, smoke and vape shops must be retail only and cannot operate 24/7. Each submission is reviewed to ensure it fits underwriting guidelines. Is Employers Liability included?Yes, Employers Liability coverage is included with limits up to $1 million. In which states is this program available?The program is available in 30+ states, including AZ, FL, TX, CA, IL, PA, and more. Refer to the full list above for complete availability. Who underwrites this program?PPIB works with all available markets to find the best fit for your client’s Workers Compensation needs. Need help placing an account? Connect with a market specialist. ...

Policy Highlights: As the digital landscape continues to evolve, media professionals face a growing number of liability exposures related to content, data, and technology. Colonial General Insurance Agency, Inc. offers a specialized Media Professional Liability Insurance program designed to help agents and brokers place coverage for clients in media, technology, and digital communications industries. Overview of the Program From Colonial General Colonial General is a regional Managing General Agency and Excess & Surplus Lines Broker with deep experience in professional liability and technology-related exposures. Through access to multiple markets, including both admitted and non-admitted carriers (where available), Colonial General provides tailored solutions for media professionals who depend on electronic data and content to operate their businesses. This program is built to cover the unique risks in today’s content-driven economy, offering agents a reliable market for hard-to-place or emerging exposures. Ideal Accounts and Appetite This program is ideal for businesses involved in: Digital marketing and advertising firms Content creators and publishers Public relations and media consultants Web developers and tech startups Broadcasting companies and podcast producers You might have a client who runs a boutique digital marketing agency or a new media startup that produces video content across multiple platforms. These clients often face potential claims related to copyright infringement, defamation, or data breaches—risks that this program is designed to address. Coverage Highlights and Advantages Colonial General’s Media Professional Liability Insurance offers broad protection, including: Network Liability – Covers third-party liability resulting from security failures or unauthorized access. Electronic Media Liability – Protection against defamation, copyright/trademark infringement, and other content-related risks. Technology Errors & Omissions – Covers losses due to mistakes or failures in service delivery. Business Income Loss – Includes dependent business income loss coverage for interruptions caused by third-party vendors. Restoration Costs – Helps cover the expense of restoring lost or damaged data. Public Relations and Investigative Expenses – Support for managing reputational damage and incident response. Extortion Threats – Coverage for handling cyber extortion or ransomware demands. Underwriting Notes and Minimum Premiums Colonial General works with a range of carrier partners, and underwriting guidelines may vary by class and size of business. While minimum premiums are not specified, submissions should include a solid risk profile and complete application details to ensure timely quoting. The program can accommodate both new ventures and established businesses, depending on the carrier fit. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted vs. non-admitted options may vary by state and risk class. Why Work With Colonial General Colonial General brings a high level of expertise in professional liability and cyber-related coverages, backed by strong market access and regional underwriting insight. Agents and brokers benefit from responsive service, knowledgeable staff, and the ability to place unique or emerging risks. Whether your client is a startup content creator or a growing tech PR agency, Colonial General can help you find the right protection for their evolving digital exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for media professionals such as digital marketers, content creators, web developers, and public relations consultants. Is this coverage available on an admitted basis?Admitted markets are available in some states, depending on the class of business and risk profile. Colonial General also offers access to non-admitted carriers where necessary. Can I submit new ventures for consideration?Yes, new ventures may be considered depending on the details of the operation and the carrier appetite. A complete application is recommended. What states is this program offered in?The Media Professional Liability program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What types of exposures does this coverage address?The coverage addresses risks such as network security failures, content-related liabilities, data restoration costs, income loss, and cyber extortion threats. Need help placing an account? Connect with a market specialist. ...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Medical Staffing Agency Insurance program designed for agents and brokers seeking markets for healthcare staffing clients. As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, Colonial General has access to multiple top-rated carriers and custom solutions, giving you flexibility to place complex or unique staffing risks across several western states. Overview of the Program From Colonial General Medical staffing agencies face unique liability exposures, especially when contracting healthcare professionals to third-party facilities. Colonial General’s program provides access to professional liability and malpractice coverage tailored to meet the diverse needs of staffing firms placing physicians, nurses, therapists, and other licensed healthcare providers. The coverage is backed by carriers rated “A” or better by A.M. Best, ensuring financial strength and reliability. Ideal Accounts and Appetite This program is an excellent fit for: Medical staffing agencies placing temporary or permanent healthcare professionals Firms that staff RNs, LPNs, CNAs, physical therapists, medical assistants, and similar roles Agencies working with hospitals, clinics, nursing homes, or in-home care facilities You might have a client who staffs traveling nurses to rural hospitals or provides physical therapists to outpatient clinics—these are the types of accounts that may be eligible. Coverage Highlights and Advantages Professional Liability / Malpractice coverage available through A.M. Best “A” rated carriers Limits starting at $250,000 / $500,000, with flexible deductible options Coverage tailored to match the staffing agency’s operations and provider types Optional coverages may be available depending on carrier and risk profile Coverage and premium will vary based on carrier placement and underwriting factors. Colonial General works to match accounts with the best-fitting carrier and coverage structure. Underwriting Notes and Minimum Premiums While minimum premium details are not specified, underwriting will consider the type of providers placed, states of operation, loss history, and staffing volume. Deductible options and limit selections also influence premium. Colonial General’s experienced underwriters can help you navigate submissions for competitive placement. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options may be available, depending on the carrier and jurisdiction. Why Work With Colonial General Colonial General brings decades of specialty underwriting experience to the table, with strong carrier relationships and a focus on service. As an MGA and E&S broker, they help agents place tough-to-place or niche healthcare staffing risks with confidence. Whether you’re working with a startup staffing firm or an established agency expanding into new states, Colonial General can help you find the right market and coverage solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets medical staffing agencies that place licensed healthcare professionals such as nurses, therapists, and aides in hospitals, clinics, or long-term care facilities. Are both admitted and non-admitted carriers available?Yes, Colonial General has access to both admitted and non-admitted markets depending on the state and carrier availability. What limits and deductibles are offered?Limits typically start at $250,000/$500,000, with a range of deductible options. Specific terms depend on the risk and carrier selected. Which states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. What information is needed to submit a quote?Submissions should include a completed application, details on provider types, loss history, operational scope, and coverage limit requests. Need help placing an account? Connect with a market specialist. ...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Miniature Golf Course Insurance program designed to help agents place both public and private golf-related businesses. Whether your client operates a standalone miniature golf course, an indoor or outdoor driving range, or a country club with a mini-golf amenity, this program provides flexible coverage options tailored to the unique risks of recreational golf facilities. Coverage is available on a monoline or package basis and delivers robust protection for property and liability exposures. Ideal Accounts and Appetite This program is best suited for: Standalone miniature golf courses Family entertainment centers with mini-golf components Indoor or outdoor driving ranges Public and private golf courses or country clubs with mini-golf Colonial General favors accounts with well-maintained premises, standard safety protocols, and minimal claims history. Examples of good fits: a seasonal mini-golf park in a resort or tourist area, or a year-round indoor course attached to a family entertainment center. Higher-hazard operations, locations with frequent losses, or venues with significant water hazards or extreme attractions may require additional underwriting review or be better placed elsewhere. Coverage Highlights and Advantages Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 occurrence and aggregate Additional insureds—automatically included Hired and non-owned auto liability $5,000 medical payments coverage Liquor liability—available for eligible operations Excess/Umbrella limits up to $25,000,000 No deductible required on liability Property Coverage Options: Building and contents coverage Business income and extra expense Computer equipment and electronics Contractor's equipment and inland marine for golf carts Coverage for damage to greens, tee boxes, and course features Food spoilage and equipment breakdown Sprinklers, valuable papers, and bailee’s coverage for pro shops Available on replacement cost or actual cash value basis Crime Coverage Features: Inside the premises – theft of money and securities Inside the premises – robbery or safe burglary of other property Outside the premises – theft and robbery protection Underwriting Notes and Minimum Premiums Colonial General reviews each submission individually, considering operations, location, safety protocols, and loss history. While no specific minimum premium is listed here, accounts should be commercially viable and meet standard underwriting criteria. Liability coverage typically carries no deductible, and optional excess limits are available for accounts that need higher limits. Territories and Availability This Miniature Golf Course Insurance program is available to agents placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and non-admitted market options may be available depending on the state and the risk profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines niche recreational property expertise with access to multiple markets. Agents benefit from a responsive underwriting team, flexible coverages, and the ability to place both admitted and non-admitted business where appropriate. This program is positioned to help you secure competitive limits and tailored terms for golf-related venues that meet underwriting standards. Frequently Asked Questions What types of accounts are a good fit for this program?Miniature golf courses, family fun centers with golf attractions, and indoor/outdoor driving ranges are ideal. Public or private golf-related venues with clean loss history and good maintenance practices are preferred. Is liquor liability available under this program?Yes. Liquor liability can be included when applicable, subject to underwriting review of the operations and controls in place. Are both property and liability coverages available?Yes. Coverage can be written on a monoline basis or packaged to include both property and liability, depending on the client’s needs. Which states is this program available in?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Do all risks qualify for admitted markets?Not all risks will qualify for admitted placement. Colonial General offers both admitted and non-admitted options based on the risk characteristics and location. Need help placing an account? Connect with a market specialist. ...

Policy Highlights for Motel Insurance: Colonial General Insurance Agency, Inc. provides a focused Motel Insurance program tailored to the risks faced by lodging operations. Whether your client runs a small roadside motel, a mid-size motor inn, or a seasonal lodge, this program offers flexible Property and Liability coverages on a mono-line or packaged basis. The appetite includes hotels, motels, motor inns, tourist cabins and courts, dude ranches, and other similar hospitality businesses. Ideal Accounts and Appetite This program is built for businesses that provide overnight lodging and related services—food and beverage, limited recreation, and guest services. Preferred accounts have clean loss histories, basic risk management in place, and clear property descriptions. Strong fits include a family-owned 40-room motel in a tourist corridor or a lakeside lodge offering seasonal cabins and limited on-site dining. Accounts with large conference operations, extensive spa facilities, or significant tenant-occupied space may require additional underwriting review or alternative markets. Coverage Highlights and Advantages Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payments—included Additional interests included at no charge Hired and Non-Owned Auto Liability Innkeepers Liability Liquor Liability Excess/Umbrella capacity up to $25,000,000 Loss prevention brochure available to insureds Property Coverage Includes: Building and contents coverage Basic, Broad, or Special form options Business Income and Extra Expense Computer equipment and valuable papers Equipment breakdown protection Food spoilage coverage Accounts receivable coverage Inland marine and outside signs Replacement cost or actual cash value valuation options Crime Coverage Includes: 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 works with a mix of admitted and surplus markets to place both standard and hard-to-place risks. Provide clear operations descriptions, recent loss runs, and up-to-date property details to help underwriters assess exposures and speed placement. While minimum premiums vary by market and state, the program is structured to handle small to mid-sized lodging risks as well as accounts requiring higher limits or specialty enhancements. Territories and Availability This Motel Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines deep hospitality underwriting expertise with broad market access. Agents benefit from tailored coverage options (including innkeepers and liquor liability), high liability limits, and a streamlined submission process. Colonial General’s relationships with multiple admitted and non-admitted carriers help place accounts that need flexible terms or niche enhancements. Frequently Asked Questions What types of accounts are a good fit for this program?Hotels, motels, motor inns, resorts, tourist cabins, tourist courts, and dude ranches are strong candidates—particularly operations focused on overnight lodging with limited ancillary exposures. Is this program available on an admitted or non-admitted basis?Colonial General can access both admitted and non-admitted markets. The placement depends on the account’s size, location, and specific exposures. What limits are available under the General Liability coverage?Primary liability limits are available up to $3,000,000 Occurrence/Aggregate, with excess or umbrella capacity up to $25,000,000. Which states is this program offered in?This program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program include Liquor or Innkeepers Liability?Yes. Liquor Liability and Innkeepers Liability are available, subject to underwriting review and any state-specific requirements. Need help placing an account? Connect with a market specialist. ...

Policy Highlights for Occupational Therapist Insurance: As an insurance agent or broker placing coverage for healthcare professionals, you need markets that understand therapy-related exposures. Colonial General Insurance Agency, Inc. offers an Occupational Therapist Insurance program designed to place individual professional liability for occupational therapists in a variety of practice settings. Whether your client is a solo practitioner, a part-time contractor, or volunteers in the community, this program provides flexible options that supplement or replace employer-provided coverage when gaps exist. Overview of the Program From Colonial General Colonial General Insurance Agency is a Managing General Agency and Excess & Surplus Lines broker serving independent agents across the western United States. With access to multiple admitted and non-admitted markets, Colonial General combines underwriting reach and allied-health expertise to place occupational therapist risks. This program is tailored to the exposures therapy professionals face and is intended for individual practitioners rather than large clinic or facility risks. Ideal Accounts and Appetite This program is a fit when an individual occupational therapist needs their own professional liability coverage—either as standalone protection or to fill gaps in an employer policy. Typical placements include: Occupational therapists in private practice or small independent offices Part-time, per-diem, or contract therapists Therapists who provide home healthcare services Professionals engaged in volunteer or community-based therapy work Not a good fit: large therapy clinics, multi-disciplinary facilities with many practitioners on one policy, or accounts requiring facility/general liability packaging. You should submit individual exposures with clear work setting and license information for the best results. Example scenarios agents place well: A part-time occupational therapist who works at two outpatient clinics and wants an individual policy to cover work outside employer hours. A therapist who provides home health visits and volunteers at a nonprofit — requiring coverage for services performed away from an employer’s premises. Coverage Highlights and Advantages This program is designed to address common gaps and individual exposures for occupational therapists. Typical features you can expect to place include: Higher individual policy limits to protect clinicians when employer limits are inadequate Legal defense cost coverage and representation for licensing board hearings Reimbursement for lost wages while attending legal proceedings or hearings Coverage for services performed outside the primary workplace, including volunteer work and home visits Actual terms, limits, and endorsements depend on the carrier and the therapist’s risk profile. Colonial General works to match each submission to the most appropriate market available. Underwriting Notes and Minimum Premiums Underwriting evaluates credentials, license status, practice setting, claims history, and procedures performed. Provide complete applications and current claims information to speed placement. Colonial General has relationships with both admitted and non-admitted carriers, which helps place risks that need flexible terms. Specific minimum premiums vary by carrier and state; submit the account to receive detailed pricing and market options. Territories and Availability This Occupational Therapist Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some states may offer admitted paper while others require non-admitted placement depending on carrier appetite and the individual risk. Why Work With Colonial General? Colonial General provides independent agents with experienced underwriting and access to a broad panel of allied-health markets. Their western U.S. focus, MGA and E&S capabilities, and familiarity with therapy-related exposures make them a responsive partner when you need flexible professional liability solutions for occupational therapists. Frequently Asked Questions What types of accounts are a good fit for this Occupational Therapist Insurance program?This program is designed for individual occupational therapists—including independent practitioners, part-time clinicians, and volunteers—who need standalone or supplemental professional liability coverage. Can this program cover therapists who work in multiple locations or on a contract basis?Yes. The program accommodates therapists who work in varied settings such as outpatient clinics, clients’ homes, and contract assignments. Be sure to disclose multi-location and home visit activity on the application. Are defense costs and licensing board hearings covered?Typically yes. Policies placed through this program often include defense costs and reimbursement for licensing board hearings—coverage that may not be provided by an employer policy. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted carriers varies by state and by specific account characteristics. What information is needed to submit an application?Provide a completed application with details on the therapist’s license status, work settings, services performed, and claims history. Complete submissions help Colonial General place risks more efficiently. Need help placing an account? Connect with a market specialist. ...