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Policy Highlights: Jeep tour operations present unique risks t...altered vehicles or high-risk extreme tours. Need help placing an account? C...

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.

Policy Highlights for Entertainment Insurance: Colonial General Insurance Agency, Inc. offers a focused Entertainment Insurance program for local and regional performers and event entertainers. The program is designed for agents and brokers looking to place clients who regularly perform at private parties, community fairs, festivals, carnivals, exhibitions, and small theater productions. Typical insureds include DJs, bands, clowns, face painters, caricature artists, magicians, psychic entertainers, home party performers, theatrical casts, and novelty services such as singing or stripping telegrams. Coverage is flexible and can be tailored to the specific exposures of these small- to mid-sized entertainment operations. Ideal Accounts and Appetite This program targets community and regional entertainers and production teams rather than large touring acts or major theatrical productions. Typical accounts that fit the appetite include: Musical performers (bands, solo acts, DJs) Children’s entertainers (clowns, face painters, balloon artists) Interactive artists (caricature artists, psychics, magicians) Small theater companies and local productions Singing or novelty telegram services and themed party entertainers This program is not intended for large-scale productions, national touring acts, venues with professional rigging/amusement rides, or operations that require specialized excess-placement for complex theatrical stunts or large crowd management. Coverage Highlights and Advantages Commercial General Liability (CGL): Primary limits available up to $3,000,000 Occurrence / Aggregate Included coverages: Sexual/Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (higher limits available on request) Medical Payments – $5,000 Blanket Additional Insured endorsement (useful for venues and event hosts) Excess / Umbrella capacity up to $25,000,000 through partner carriers No liability deductible required Property and Business Property Options: Basic, Broad, or Special Form wording available Coverage for Building, Contents, Computer Equipment, and Business Income Equipment Breakdown and Inland Marine for portable gear Outside Signs, Valuable Papers, Accounts Receivable, and Theatrical Property options Replacement Cost or Actual Cash Value valuations Crime and Miscellaneous Coverages: Inside-the-Premises theft of money and securities Inside-the-Premises robbery or safe burglary of other property Outside-the-Premises coverage for money and property in transit Underwriting Notes and Minimum Premiums Colonial General leverages multiple markets to accommodate a variety of underwriting approaches. Underwriting review is required for all submissions to ensure proper placement and rating. While minimum premiums vary by carrier and risk profile, the program is structured to be accessible to small entertainment businesses. Liability coverage typically carries no deductible, and higher abuse/assault limits can be requested and considered by underwriting. Territories and Availability This Entertainment Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Depending on the carrier and the insured’s profile, coverage may be written on an admitted or non-admitted basis. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General offers targeted expertise in niche commercial exposures such as local entertainment. The MGA provides access to multiple admitted and E&S carriers, experienced underwriting that understands performance-based risks, and flexible policy forms for property, liability, and crime exposures. Colonial General is positioned to help agents place hard-to-fit or small-scale entertainment accounts quickly and efficiently. Example Accounts That Fit This Program You may have a client who runs a two-person acoustic band performing at weddings and local festivals — they need GL, equipment inland marine, and optional abuse coverage for performers working with children. An agency could place a children’s party entertainer who travels to private homes with face-painting supplies and portable props — the program supports property coverage for supplies and medical payments for minor injuries. Frequently Asked Questions What types of accounts are a good fit for this program?Local and regional entertainers such as DJs, clowns, bands, face painters, caricature artists, and small theater productions are a good fit. Is coverage available on an admitted basis?Some markets within the program offer admitted placements; others may be non-admitted depending on the state and risk characteristics. Can you get higher abuse limits?Yes. Higher limits for sexual/physical abuse coverage are available upon request and are subject to underwriting approval. Which states do you write in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you require a deductible for liability?No. Liability coverage under this Entertainment program typically does not require a deductible. Need help placing an account? Connect with a market specialist.

Policy Highlights: Medical laboratories and diagnostic testing centers provide essential information that clinicians depend on. Those operations face a mix of professional liability, bodily injury and property exposures—from reporting or analytic errors to sample contamination and equipment loss. Colonial General Insurance Agency, Inc. gives agents access to a targeted Medical Labs and Testing Centers Insurance program designed to protect labs, mobile collection services, and outpatient testing facilities against those core risks. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with deep experience placing niche healthcare risks across the Western U.S. Through our medical malpractice and allied healthcare markets, we help agents secure professional liability, general liability, and property coverage for diagnostic labs and testing centers. Whether your client is a small independent lab, a multi-site outpatient testing chain, or a mobile phlebotomy operation, our markets and underwriting team focus on efficient placement and tailored terms. Ideal Accounts and Appetite This program is designed for agents placing accounts such as: Independent diagnostic laboratories (blood, toxicology, genetics, pathology) Outpatient medical testing centers and specimen collection facilities Mobile phlebotomy and sample-collection services Non-emergency, non-experimental testing operations Accounts with current lab certifications, clean claims histories, and documented quality controls typically fit best. Labs performing high-risk, experimental, or investigational testing may require additional underwriting review or may be declined. Coverage Highlights and Advantages Medical malpractice and professional liability coverage written with lab-specific exposures in mind General liability and property coverage options to protect premises and equipment Coverage considerations for bodily injury or patient harm arising from testing errors, mislabeling, or sample contamination Access to both admitted and non-admitted markets depending on state and account characteristics Flexible underwriting to accommodate a range of specialties and risk control programs Markets available through Colonial General understand laboratory workflows and offer competitive terms for well-documented, compliant operations. Underwriting Notes and Minimum Premiums Underwriting focuses on the services performed, testing volume, certification and accreditation status, staff qualifications, documentation of quality assurance procedures, and loss history. Be prepared to provide a list of services, copy of lab certifications (e.g., CLIA or state equivalents where applicable), recent loss runs, and annual revenue to speed quoting. Minimum premiums are determined on a case-by-case basis and will vary by carrier and state. Our underwriters work with agents to identify the most appropriate market based on the risk profile and desired coverage structure. Territories and Availability This program is available to licensed agents and brokers placing business in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some admitted markets are available depending on jurisdiction and account characteristics; non-admitted options can broaden capacity for harder-to-place risks. Why Work With Colonial General? Colonial General brings decades of specialty experience in the Western U.S. wholesale market. We combine direct access to medical malpractice and allied healthcare carriers with a practical understanding of lab operations and regulatory expectations. Our underwriting team delivers fast responses, practical risk guidance, and placement options across admitted and excess & surplus markets. Examples you may see as an agent: A small independent blood-testing lab seeking medical professional liability and general liability coverage after expanding into genetic screening. A regional mobile phlebotomy provider looking for E&S capacity to cover multi-state sample collection operations and third-party specimen transport. These are representative scenarios—each account is evaluated on its own merits. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for independent diagnostic labs, mobile testing units, and outpatient testing facilities that perform non-invasive, routine medical testing and maintain required certifications. Is professional liability included in the coverage?Yes. Medical malpractice and professional liability tailored to laboratory and testing exposures are core components of the program. Are both admitted and non-admitted options available?Yes. Colonial General can access both admitted and non-admitted carriers depending on the state of placement and the account’s characteristics. What information is needed to get a quote?Provide services offered, lab certifications, recent loss history, annual revenue, number of locations, and any written quality-control procedures to help us quote quickly and accurately. Which states is this program available in?This 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: As a lunch wagon or food truck owner, your vehicle is more than transportation—it is the core of the business. Colonial General Insurance Agency, Inc. offers a Lunch Wagon Insurance program to help agents place coverage for mobile food vendors operating across the western U.S. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of admitted and non-admitted carriers. This Lunch Wagon Insurance program is designed for independent agents and brokers who need flexible, market-access solutions for mobile food-service clients. Whether your client runs a single lunch wagon or a small fleet of food trucks, the program provides targeted coverages and underwriting support tailored to the industry’s exposures. Ideal Accounts and Appetite This program targets mobile food vendors, including: Lunch wagons Food trucks and concession trailers Mobile kitchen vehicles with permanently mounted equipment We prefer operators with permanently mounted cooking or refrigeration equipment and those working regionally (up to a 500-mile radius). The program considers both start-ups and established businesses; underwriting evaluates experience, vehicle condition, and operations when determining eligibility. Coverage Highlights and Advantages Key features agents can offer through this program include: Physical damage coverage for the vehicle and permanently mounted equipment (stoves, grills, refrigeration, etc.). Liability limits up to $1,000,000 CSL to satisfy contract and municipal requirements. Deductible flexibility with options typically from $500 to $5,000 to match client budgets. Radius options—coverage available for operations up to 500 miles for regional vendors. Cargo and spoilage protection—limits up to $100,000 including refrigerator breakdown coverage for perishable inventory. Underwriting Notes Underwriting considers vehicle type, age and condition, permanently installed equipment value, radius of operation, loss experience, and operator experience. Colonial General leverages multiple markets to place risks that may be difficult to write in standard markets. Minimum premiums and admitted availability vary by state and specific risk characteristics. Territories and Availability The Lunch Wagon Insurance program is available to agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are admitted in select states; other placements may be written non-admitted depending on the risk profile and state rules. Why Work With Colonial General? With decades of specialty risk experience and a regional focus, Colonial General provides access to niche markets and responsive underwriting. Agents benefit from our knowledge of mobile food exposures, our ability to place hard-to-write risks, and timely support to secure coverage that fits contractual or municipal requirements. Our team helps you match appropriate limits, deductibles, and ancillary coverages to each client’s operation. Frequently Asked Questions What types of accounts are a good fit for this program?Mobile food vendors such as lunch wagons, food trucks, and mobile kitchen vehicles with permanently mounted equipment are ideal for this program. Can new businesses or startups qualify for coverage?Yes. Start-ups may be considered; underwriting reviews operator experience, vehicle condition, equipment, and operational details. What is the maximum radius of operation allowed?The program offers radius options up to 500 miles to accommodate most regional food truck businesses. Is refrigerator breakdown covered under the cargo limit?Yes. Refrigerator breakdown protection is available under the cargo/spoilage coverage, with limits that can go up to $100,000 depending on the account. Which states is this program available in?The Lunch Wagon Insurance 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 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: 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 for Mortgage Broker Insurance: Mortgage brokers and other financial professionals face a wide range of operational and liability exposures — from errors and omissions allegations to third-party bodily injury or property damage claims and regulatory complaints. Colonial General Insurance Agency, Inc. offers a focused Mortgage Broker Insurance program that helps agents place tailored protection for mortgage professionals operating across the western U.S. Overview of the Program From Colonial General Colonial General is a managing general agency and excess & surplus (E&S) broker with deep experience placing professional and liability coverages for financial services firms. This Mortgage Broker Insurance program is built to help agents secure E&O and related liability protection for mortgage brokers, loan originators, and small mortgage firms that need both professional and general liability solutions. Ideal Accounts and Appetite This program is a strong fit for: Independent mortgage brokers and mortgage sales teams Small to mid-sized mortgage firms and boutique lenders Loan originators, mortgage consultants, and correspondent brokers We typically prefer accounts with sound underwriting controls, documented policies and procedures, and a limited history of claims or regulatory actions. Startups and established firms can both qualify when risk management practices are in place. Accounts with ongoing regulatory enforcement, significant servicing portfolios, or a large history of litigated claims may require alternative placement strategies. Coverage Highlights and Advantages Limits beginning at $100,000 / $100,000 Deductibles available as low as $1,000 Coverage options may include professional liability (E&O), general liability, and other related protections depending on carrier and underwriting Access to admitted and non-admitted markets (some admitted markets available) *Specific coverages, endorsements, and premiums depend on the carrier selected and the submission details. Underwriting Notes and Minimum Premiums Underwriting is risk-focused and flexible. Colonial General evaluates experience, loss history, compliance posture, and controls to match each account with an appropriate market. Minimum premium requirements vary by carrier and state; our team will review submissions and identify the most competitive options for your client. 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) Why Work With Colonial General? Colonial General combines specialized underwriting for mortgage professionals with broad market access. As an MGA and E&S broker, we place business quickly when you need responsive quotes and solutions that reflect the client’s operations. Our underwriters collaborate with agents to identify the right carrier and coverage structure for each risk, particularly in western U.S. territories where we maintain established relationships. Whether you need a straightforward E&O policy for an independent broker or a layered solution for a growing mortgage firm, Colonial General can help you find placements that balance coverage and cost. Examples of Accounts That Fit You have a small mortgage brokerage with 2–5 loan originators, documented procedures, and no recent claims — you can pursue primary E&O limits with low deductibles through this program. A boutique lending firm that refers loans and needs combined professional and general liability coverage — Colonial General can evaluate admitted and non-admitted options to match the firm’s needs and budget. Frequently Asked Questions What types of accounts are a good fit for this program?Independent mortgage brokers, boutique lending firms, and loan originators with documented risk controls and a clean loss history are ideal candidates. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What coverages can be included in the policy?Coverage options depend on the carrier and underwriting but commonly include professional liability (E&O), general liability, and other related protections as needed. Are both admitted and non-admitted markets available?Yes. Colonial General has access to both admitted and non-admitted markets; availability varies by state and the risk profile. What is the minimum deductible and coverage limit offered?Deductibles can start as low as $1,000, with coverage limits beginning at $100,000 / $100,000. Exact terms depend on the carrier and underwriting outcome. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Mobile Mechanics Insurance program tailored for mobile auto repair professionals—whether working full-time, part-time, or from a fixed location. This program is designed specifically for the unique exposures faced by mobile mechanics, helping you provide your clients with broad protection for their operations, tools, vehicles, and customer property. Ideal Accounts and Appetite This program is ideal for mobile mechanics operating independently or with a small crew, including those who: Perform repairs on-site at customer locations or homes Operate towing services or roadside assistance Provide light mechanical work from a garage or shop Handle customer vehicles under their care, custody, or control Whether your client is just starting out or has an established mobile operation, this program can accommodate a wide range of risk profiles. Accounts with a clear loss history and well-maintained operations are preferred. Coverage Highlights and Advantages Colonial General’s mobile mechanic program includes Commercial Garage Coverage tailored to the needs of auto service professionals: Garage Liability Limits up to $1,000,000 per accident $3,000,000 General Liability Aggregate $5,000 Medical Payments Garage Keepers Coverage on a primary basis with specified causes of loss Dealers Physical Damage False Pretense Coverage Fire Legal Liability In-Transit Coverage for towing operations Broadened Coverage for additional peace of mind Property Coverage available Roadside Assistance operations acceptable Coverage extends to both the mechanic’s own service vehicles and customers’ vehicles while in their possession, providing well-rounded protection for on-the-go operations. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer flexible underwriting solutions through both admitted and non-admitted markets, depending on the state and risk profile. A detailed application and operational overview will help determine the best fit for your client. While specific minimum premiums may vary by market and state, this program is designed to be accessible for small to mid-sized operations. Contact Colonial General for underwriting guidelines and eligibility criteria. Territories and Availability This Mobile Mechanics Insurance program is 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 Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche motor trade markets. Their longstanding relationships with a variety of carriers allow them to tailor coverage to meet the needs of non-standard and hard-to-place risks. You’ll benefit from responsive service, knowledgeable underwriters, and access to comprehensive coverage solutions for your mobile mechanic clients. Whether your client is a solo mobile mechanic offering roadside diagnostics or a multi-vehicle towing and repair operation, Colonial General can help you find the right fit. Place your next mobile mechanic account with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile mechanics, roadside assistance providers, and small auto repair businesses operating on-site or from a small garage. Is coverage available for customer vehicles in the mechanic’s care?Yes, Garage Keepers Coverage is included on a primary basis to protect customer vehicles while in the insured’s possession. Can this program accommodate towing operations?Yes, in-transit coverage is available for towing operations, making the program suitable for mechanics who also offer towing services. Which states is this program available in?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and state requirements. Need help placing an account? Connect with a market specialist.