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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 for Medical Equipment Supply Stores Insurance: Colonial General Insurance Agency, Inc. provides targeted insurance solutions for medical equipment supply stores, including businesses that sell, rent, or lease home health care products and provide delivery or in-home setup. This program is built for agents and brokers who need flexible property, liability, and professional liability options for clients handling durable medical equipment (DME), oxygen supplies, mobility aids, hospital beds, and similar products. Ideal Accounts and Appetite The program focuses on small- to mid-sized operations whose primary business is retailing, renting, leasing, delivering, or servicing home medical equipment. Eligible account types commonly include: Medical equipment rental and leasing stores Home health equipment dealers and suppliers Retailers of oxygen tanks, hospital beds, wheelchairs, scooters, and related products Accounts that combine retail sales, delivery, installation, and ongoing service or maintenance are a particularly good fit. Typical fits include single-location dealers and multi-location independents with local delivery routes. Accounts that generally do not fit include large national distributors, heavy manufacturing operations, or businesses with significant on-site medical procedures. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $1,000,000 per occurrence / $3,000,000 aggregate $5,000 in medical payments—automatically included Errors & Omissions (E&O) available up to policy limits to address professional liability exposures from fitting, setup, or advice Excess/Umbrella limits accessible up to $25,000,000 No liability deductible required Optional additional insured endorsements available for $100 each Crime Theft of money and securities inside the premises Robbery and safe burglary coverage for other property Coverage can extend to certain incidents occurring away from the premises Property Available on Basic, Broad, or Special Form Building, contents, inventory, and computer equipment Business income and equipment breakdown coverage options Accounts receivable and valuable papers Outdoor signs and replacement cost options Underwriting Notes and Minimum Premiums Policies can be written mono-line or as packaged programs so you can tailor limits and coverages to the account. Colonial General underwrites these risks through multiple carrier partners; appetite and terms vary by carrier and state. While minimum premiums differ by market and risk characteristics, this program is positioned to be competitive for common small-business profiles. Territories and Availability This program is available in the Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General places business in both admitted and non-admitted markets depending on the state and the client’s risk profile — admitted options are available in some states, with excess & surplus solutions used where appropriate. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple markets. Their team understands exposures common to medical equipment suppliers—product and premises liability, professional liability from medical device setup, property exposures from inventory and oxygen tanks, and business interruption—so you can place accounts efficiently with terms that reflect the risk. Examples you might place through this program: A single-location DME dealer that rents hospital beds and provides same-day delivery and setup for local customers. An independent retailer that sells oxygen supplies and offers routine maintenance and in-home equipment checks across several nearby counties. Whether your client is a storefront operator with delivery routes or a multi-location supplier, Colonial General offers underwriting flexibility and market access to help you secure appropriate coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Businesses that rent, sell, or lease home medical equipment—such as wheelchairs, oxygen machines, or hospital beds—are ideal candidates. Accounts that combine retail operations with delivery, installation, or servicing are especially well-suited. Is Errors and Omissions (E&O) coverage included?E&O coverage is available as part of the program and can be written up to the policy limits to address professional liability exposures from product setup, fitting, or advice. Are mono-line or package policies available?Yes. Colonial General offers the flexibility to bind mono-line property or liability policies or combine coverages into a tailored package to meet client needs. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted options depends on the state and the chosen carrier. What carrier options are available?Colonial General works with a variety of carriers and can place risks in admitted or excess & surplus markets depending on the account’s characteristics and the preferred placement strategy. Need help placing an account? Connect with a market specialist.

Program Highlights for Mobile Home Insurance: Are you having trouble placing mobile home risks that other markets decline? Colonial General Insurance Agency, Inc. offers a flexible Mobile Home Insurance program designed for hard-to-place and non-standard mobile home exposures. The program provides multiple coverage options, access to admitted and surplus solutions through partnering carriers, and underwriting flexibility so you can place accounts other markets turn away. Ideal Accounts and Appetite This program handles both standard and non-standard mobile home risks. Colonial General underwrites a broad spectrum of accounts, including: Owner-occupied mobile homes (primary or seasonal/secondary residences) Tenant-occupied mobile homes Mobile homes used for commercial purposes (coverage limited—no contents or liability for commercial use) Older mobile homes and vintage units Risks with prior losses or claim history Properties in unprotected or rural locations Examples of suitable accounts: a 30-year-old mobile home in a rural county where admitted markets declined, or a tenant-occupied unit with a single prior loss that needs a practical placement. If you need options for a difficult risk, this program is built to consider those submissions. Coverage Highlights and Advantages Colonial General works with multiple carriers to let you tailor coverage to the insured’s needs. Common options include: Comprehensive (all-risk) or Named Perils property coverage Premises liability for owner-occupied dwellings Vendor’s Single Interest (VSI) for lienholders Flood coverage where offered (state- and carrier-dependent) Trip collision coverage for mobile homes while in transit These options help you structure policies for clients who have limited placement alternatives, while balancing price and risk transfer needs. Underwriting Notes and Minimum Premiums Underwriting guidelines vary by carrier and state. Colonial General specializes in accounts other markets shy away from, but expect underwriters to review age/condition, prior losses, occupancy, and protection class. Minimum premium levels are carrier-specific—connect with Colonial General’s underwriting team for state-specific thresholds and submission requirements. Territories and Availability The Mobile Home Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage features such as flood may not be available in every state—availability and rating differ by carrier and location. Why Work With Colonial General? Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with a specialty focus on hard-to-place personal lines. They work with multiple admitted and non-admitted markets to provide flexible solutions and responsive service. Their strengths for agents include: Willingness to consider older units, prior-loss accounts, and rural locations Access to several carriers so you can pursue both admitted and E&S options A specialty underwriting team experienced in mobile-home exposures Practical endorsements (VSI, trip collision) to protect lender and transport exposures For placement help or to discuss state-specific appetite, connect with a Colonial General market specialist. Frequently Asked Questions What types of accounts are a good fit for this Mobile Home program?Owner-occupied and tenant-occupied mobile homes, older units, homes with prior losses, and properties in unprotected or rural areas are all within the program’s appetite. Commercial-use mobile homes are considered with limited coverage (no contents or liability). Is flood coverage included in the policy?Flood coverage is available in some states but not uniformly. Availability depends on the carrier and state; discuss the specific location with Colonial General underwriters. Can I write business in multiple states through this program?Yes. The program accepts submissions in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage options and filings vary by state and carrier. What makes Colonial General different from other MGAs?Colonial General focuses on specialty personal lines and hard-to-place risks. They leverage relationships with multiple admitted and E&S carriers and emphasize underwriting flexibility and agent service to help you place challenging mobile home accounts. Are older mobile homes eligible for coverage?Yes. The program is designed to consider older mobile homes, including those with past losses or in remote areas, subject to carrier guidelines and underwriting review. Need help placing an account? Connect with a market specialist.

Mobile Home Park Insurance Program from Colonial General Insurance Agency Colonial General Insurance Agency, Inc. offers a specialized Mobile Home Park Insurance program designed to help independent agents and brokers place coverage for a range of mobile home and RV park risks. Whether your clients operate permanent mobile home parks, seasonal RV parks, or year-round campgrounds, this program provides flexible solutions with both property and liability options available on a monoline or package basis. Ideal Accounts and Classes This program is well-suited for: Mobile home parks (both permanent and tourist-based) Recreational vehicle (RV) parks Campgrounds with short- or long-term guest stays Typical accounts include family-owned parks, regional park operators, and seasonal sites. You might have a client with a multi-acre RV park in Arizona catering to snowbirds or a mobile home community in Utah with permanent residents—both are excellent fits for this program. Coverage Highlights and Advantages Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown Food Spoilage Inland Marine Outside Signs Replacement Cost or Actual Cash Value Valuable Papers General Liability Coverage Includes: Primary limits up to $3,000,000 occurrence/aggregate $5,000 Medical Payments Coverage – Included Blanket Additional Insureds – Included Liquor Liability (where applicable) Hired and Non-Owned Auto Liability Excess or Umbrella limits up to $25,000,000 No liability deductible required Crime Coverage Options: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property Losses Outside the Premises Underwriting Notes Colonial General underwrites through a variety of carriers and offers access to both admitted and non-admitted markets, depending on the risk profile and state. This flexibility allows you to place both standard and harder-to-place risks efficiently. While minimum premium requirements vary by carrier, the underwriting team will work closely with you to review submissions and explore viable options for your accounts. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General maintains a strong regional focus in the Western U.S., making them a reliable partner for agents working in these territories. Why Work with Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker with deep experience in specialty property and liability risks, Colonial General provides access to a wide range of markets and strong underwriting support. Their expertise in the mobile home park and RV park segment allows you to deliver tailored coverage solutions for your clients while streamlining the placement process. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile home parks (permanent or tourist-based), RV parks, and campgrounds, including both seasonal and year-round operations. Is coverage available on an admitted or non-admitted basis?Colonial General offers both admitted and non-admitted options, depending on the specific risk and state requirements. What limits are available for liability coverage?The program offers primary general liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million. Are there any specific states where this program is available?Yes, the program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is included in the property coverage?Property coverage includes options such as buildings, contents, business income, equipment breakdown, outside signs, inland marine, and more. 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: 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: Motorcycle dealerships and repair shops face distinct liability and property exposures that require specialized insurance solutions. Colonial General Insurance Agency, Inc. offers a Motorcycle Sales and Repair Insurance program built for the motorcycle industry — from new and used dealers to custom shops and full-service repair facilities. Through access to multiple admitted and surplus markets, this program gives agents flexible options to match each client’s operations and risk profile. Ideal Accounts and Appetite This program is designed for independent agents placing accounts such as: Motorcycle dealerships (new and used) Repair, maintenance, and service shops Custom bike builders and specialty fabrication shops Shops that sell or install parts, accessories, apparel, or provide towing Combined operations — for example, a dealership with an attached service bay and a retail accessories section — are a strong fit. You might have a client who runs a small dealership that also offers on-site customization and towing; this program can consolidate those exposures under one policy. Coverage Highlights and Advantages Colonial General’s Motorcycle Sales and Repair Insurance provides broad commercial garage solutions tailored to the industry. Key features include: Garage Liability: Limits up to $1,000,000 per occurrence Aggregate Liability: Up to $3,000,000 Medical Payments: $5,000 Garage Keepers: Available on a primary basis with specified causes of loss Dealers Physical Damage for inventory and customer vehicles False Pretense coverage Fire Legal Liability In-Transit Coverage: For towing and transport operations Broadened Coverage Endorsements to address common industry exposures Property Coverage: Available for buildings, contents, and business personal property Extension of Liability: Can include related operations such as parts, clothing, or accessory sales These options help protect clients from real-world risks like theft, fire, liability from test rides or repairs, and damage while vehicles are in your care, custody, or control. Underwriting Notes Colonial General works with multiple carriers and can place business in admitted or non-admitted markets depending on the risk and state. Appetite and pricing depend on factors such as operation type (sales-only vs. sales plus service), prior loss history, tow/transit exposure, and the value and type of motorcycles handled. Underwriters look for clear risk controls: secured storage, keys and test-ride procedures, employee training, and documented service practices. Large inventories, extensive custom fabrication, chronic prior losses, or uncommon high-horsepower specialty bikes may require additional review or placement in surplus markets. Colonial General’s underwriting team will advise on submission requirements and potential red flags to streamline placement. Territories and Availability This Motorcycle Sales and Repair Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Terms and carrier availability may vary by state. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in niche commercial risks and garage exposures. Agents benefit from: Access to multiple admitted and non-admitted markets Underwriting expertise focused on motorcycle dealerships and repair operations Support through quoting, submission, and binding to secure competitive terms Flexible coverage structures to consolidate sales, service, and retail exposures If you need help placing an account or want guidance on submission details, connect with a market specialist. What types of accounts are a good fit for this program? This program is ideal for motorcycle dealerships, repair shops, custom builders, and businesses that offer related services like towing or accessories sales. Can the program cover both sales and repair operations under one policy? Yes. The program is designed to cover combined operations such as dealerships with attached service bays or retail sections under a single policy package. Is Garage Keepers coverage offered on a primary basis? Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss, subject to carrier terms. Which states is this program available in? The Motorcycle Sales and Repair Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Do you offer admitted and non-admitted options? Yes. Colonial General has access to both admitted and non-admitted carriers and will recommend the best placement based on the client's operations and state of domicile. Need help placing an account? Connect with a market specialist.