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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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Mobile X-ray and Imaging Insurance program designed for businesses providing portable diagnostic imaging services. Whether your client is servicing nursing homes, assisted living facilities, correctional institutions, rehab centers, or homebound patients, this program offers tailored coverage solutions backed by A.M. Best A+ rated carriers. Overview of the Program From Colonial General Insurance Mobile X-ray and portable imaging businesses face unique liabilities as they operate outside traditional healthcare facilities. Colonial General understands this niche and provides access to flexible insurance options through top-rated carriers. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General helps agents like you place hard-to-insure risks with reliable markets. Ideal Accounts and Appetite Target classes for this program include: Mobile X-ray service providers Portable ultrasound, MRI, and CT scan operators Imaging technicians servicing long-term care facilities, surgical centers, and correctional institutions This program is ideal for accounts that deliver diagnostic services on-site at nursing homes, rehabilitation hospitals, adult assisted living residences, and private homes. If you have a client expanding into mobile diagnostics or starting a new venture with portable imaging, this program can help secure the right coverage. Coverage Highlights and Advantages Coverage options vary by carrier, but may include: Professional Liability (Medical Malpractice) General Liability Commercial Auto (for transport vehicles) Property and Inland Marine (for mobile equipment) Workers’ Compensation (in select markets) Colonial General works with carriers that understand the exposures involved in operating sensitive diagnostic equipment in variable environments. This ensures comprehensive protection for your insureds, whether they operate a fleet of mobile units or a single portable device. Underwriting Notes and Minimum Premiums Coverages and premiums will vary based on the carrier and the specific risk characteristics of the account. Underwriters will review operational scope, number of units, technician credentials, service areas, and claims history. While no fixed minimum premium is listed, this program is best suited for accounts with professional operations and clear risk management procedures. 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) Some admitted markets are available depending on the state and coverage needs. Non-admitted options are also accessible for more complex or high-risk accounts. Why Work With Colonial General Insurance Agency Colonial General has deep experience placing specialty healthcare and niche liability risks. Their team offers responsive underwriting support, access to top-tier carriers, and solutions tailored to the mobile healthcare space. If you’re an agent or broker looking for a reliable partner to place mobile imaging business, Colonial General is ready to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this Mobile X-ray and Imaging Insurance program?This program is ideal for businesses providing mobile diagnostic imaging services to nursing homes, assisted living facilities, correctional institutions, and homebound patients. What coverages are typically available under this program?Coverage options may include General Liability, Professional Liability, Commercial Auto, Property/Inland Marine for equipment, and Workers’ Compensation depending on the carrier and state. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Does this program offer admitted or non-admitted coverage?Some admitted markets are available; however, non-admitted options are also accessible depending on the risk and location. What information is required for underwriting?Underwriters typically look for operational details, technician qualifications, number and type of mobile units, service locations, and any prior claims history. 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.

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.

Policy Highlights: Motor home sales and repair shops face exposures that go beyond standard commercial garage coverage. Colonial General Insurance Agency, Inc. offers a focused Motor Home Sales and Repair Insurance program within its Commercial Garage department to help agents place dealers, repairers, and towing operations that handle motor homes and large RVs. As an experienced managing general agency and E&S broker with access to multiple markets, Colonial General can help you match each account to the most appropriate admitted or non-admitted carrier. Ideal Accounts and Appetite This program is designed for independent agents and brokers who need solutions for businesses that sell, service, store, or transport motor homes and large RVs. Typical accounts that fit the program include: Motor home and RV dealers with on-lot inventory Repair shops and service centers focused on motor homes and large RVs Businesses providing towing, delivery, or in-transit services for motor homes Preferred risks have maintained premises, formal fire protection and safety practices, and trained staff. The program is not appropriate for operations that handle liquefied petroleum gas—LP gas exposure is a mandatory exclusion. Coverage Highlights and Advantages Colonial General’s Motor Home Sales and Repair program bundles coverages to address the distinct risks of these operations. Available features include: Garage Liability: Limits available up to $1,000,000 per accident General Liability Aggregate: Up to $3,000,000 Garage Keepers Coverage: Primary basis with specified causes of loss Dealers Physical Damage: On-lot inventory protection for dealers False Pretense Coverage: Protection against losses from deceptive acts Fire Legal Liability: Important for leased or rented premises Medical Payments: Limits up to $5,000 In-Transit Coverage: Specific wording for towing and delivery operations Broadened Coverage Endorsements: Available to enhance protection where appropriate Property Coverage: Optional coverage for buildings and contents Underwriting Notes and Minimum Premiums Colonial General evaluates each submission on its individual merits and places business across several markets. Provide complete underwriting information—loss runs, details of operations, fleet and towing practices, premises security, and fire protection—so the underwriters can offer the most competitive placement. Minimum premium requirements vary by carrier and state; discuss expectations with your Colonial General underwriter early in the submission process. Territories and Availability This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some accounts may be placed on an admitted basis in certain states, while harder-to-place risks may be written non-admitted depending on the carrier and the individual risk profile. Why Work With Colonial General Insurance Agency, Inc.? Colonial General brings focused expertise in commercial garage and specialty automotive risks. As an MGA and E&S broker, they combine underwriting flexibility with access to multiple markets—helpful for insureds that are difficult to place through standard channels. Colonial General’s team supports agents through quoting, binding, and policy servicing, and can work with you to tailor coverages for motor home dealers, repair shops, and towing operations. If you have a client who sells or services RVs or motor homes, Colonial General can help you find the right market. Visit their company profile for more details or start your submission here. Frequently Asked Questions What types of accounts are a good fit for this program?Motor home dealers, RV repair shops, and businesses that provide towing or in-transit services for motor homes are the primary targets for this program. Is this program available on an admitted or non-admitted basis?Availability depends on the state and the specific risk. Some markets write admitted business while others are non-admitted; Colonial General will place each account with the most appropriate market. Are there any exclusions I should be aware of?Yes. There is a mandatory exclusion for liquefied petroleum gas (LP gas) operations, so businesses handling LP gas are not eligible for this program. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What coverage limits are available under the garage liability?Garage liability limits are available up to $1,000,000 per accident, with general liability aggregate limits up to $3,000,000. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General can provide the coverages you require for your non-emergency medical transportation needs. Contact us today for more information about additional coverages offered. Coverage available: We currently do not have a market for wheel chair accessible vehicles in most of our states. Limits up to state and federal requirements per seating capacity, up to $1.5 million. Medicare or Medicaid contract required. Liability coverage available up to $1,000,000 CSL. Physical damage coverage with deductible options ranging from $500 to $5,000. Radius options up to 500 miles. Cargo limits up to $100,000 with refrigerator breakdown included. Overview of the Program from Colonial General Insurance Agency, Inc. Colonial General offers a targeted Non-Emergency Medical Transportation (NEMT) program for agents placing ambulatory and stretcher transport accounts that participate in Medicare or Medicaid contracts. This program combines liability, physical damage, and optional cargo protection designed to address the common exposures of passenger transport for non-emergency medical needs. Coverage structure and market depend on the state and specific account characteristics; available markets vary. Ideal Accounts and Appetite Small to mid-size operators running sedan and van services for ambulatory and stretcher passengers (where stretcher transport is accepted by underwriter). Fleets with established Medicare or Medicaid contracts — a contract is required for placement. Operators seeking liability limits up to $1,000,000 CSL and higher per-seating-capacity limits up to $1.5 million where state/federal requirements apply. Accounts less likely to be acceptable include large fleets with extensive wheelchair-accessible vehicle (WAV) operations, new ventures without government contracts, or operations outside the listed states where admitted markets are not available. Coverage Highlights and Advantages Liability limits up to $1,000,000 CSL; per seating capacity limits up to $1.5M where required. Physical damage available with flexible deductible options ($500–$5,000) to fit fleet risk tolerance. Cargo coverage up to $100,000 that includes refrigerator breakdown — useful for medical supplies and temperature-sensitive items transported with patients. Radius options up to 500 miles to accommodate regional runs and inter-facility transfers. Placement through Colonial General’s MGA/E&S brokerage relationships provides access to admitted or non-admitted solutions depending on state and account profile. Underwriting Notes Medicare or Medicaid contract documentation is mandatory at submission. Wheelchair-accessible vehicles: limited or no capacity in most states — disclose any WAV operations up front for accurate placement guidance. Seating capacity drives some state and federal limit requirements; provide seating configuration and vehicle types on submissions. Provide details on driver screening, training, background checks, and vehicle maintenance programs to improve placement chances and pricing. Radius, cargo exposures (including refrigerated items), and any stretcher operations should be detailed for accurate quoting. Territories and Availability This program is available in select western states: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted versus non-admitted availability varies by state and by the specifics of the account — Colonial General works as both an MGA and an excess & surplus lines broker to secure the right market for the risk. Why Work with Colonial General on NEMT Business Colonial General combines specialized appetite for Medicare/Medicaid-contracted NEMT operations with flexible E&S and admitted market access. Agents benefit from targeted underwriting that understands common NEMT exposures (liability for passenger transport, cargo and refrigerated goods, radius and multi-state runs) and from options for physical damage and cargo protection. Colonial General’s focus on these account types helps streamline submissions and improve the chance of placement for qualified insureds. Example Accounts A small, three-vehicle sedan fleet that transports dialysis and outpatient clinic patients under a state Medicaid contract — seeking $1,000,000 CSL liability and physical damage on each vehicle. A regional van operator with Medicare contracts running non-emergency stretcher transfers within a 250-mile radius, requiring cargo coverage for temperature-sensitive medical supplies. Frequently Asked Questions What types of NEMT accounts are a good fit for this Colonial General program?Accounts with active Medicare or Medicaid contracts, small-to-mid-size sedan and van fleets that transport ambulatory or stretcher passengers, and operators that can document driver screening and vehicle maintenance practices are the best fit. Wheelchair-accessible vehicle operations are generally not accepted in most states. Is a Medicare or Medicaid contract required for every submission?Yes. Colonial General’s program requires documentation of a current Medicare or Medicaid contract as part of underwriting for placement. Can Colonial General insure wheelchair-accessible vehicles (WAVs)?No—this program currently does not have a market for wheelchair-accessible vehicles in most states. Disclose any WAVs up front so Colonial General can advise on alternatives or limitations. Which states are eligible and is coverage admitted?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted versus non-admitted options depend on the state and specific account; Colonial General can place on an admitted or E&S basis where appropriate. What documents and details should I include with a submission?Include the client’s Medicare/Medicaid contract, vehicle list with seating capacity, driver qualification and training details, loss history, radius of operations, and any cargo/refrigeration exposures. These items speed underwriting and improve quote accuracy. Need help placing an account? Connect with a market specialist.

Policy Highlights for Office Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Office Insurance program designed to meet the needs of owner-occupied office buildings and leased office spaces. This program is ideal for agents looking to place small to mid-size commercial office accounts with straightforward, on-premises exposures. Coverage can be written on a mono-line or package basis, offering flexibility based on your client’s unique risk profile. Ideal Accounts and Appetite This program is best suited for professional services and administrative office operations with low foot traffic and minimal off-premises exposures. Examples of good fits include: Medical and dental offices Accounting or law firms Real estate agencies Small business consulting firms Accounts with on-site manufacturing, heavy retail traffic, or industrial operations are outside of appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage $5,000 Medical Payments Coverage included Additional Interests—Landlords included at no charge Coverage limited to designated premises Contractual Liability Limitation applies Excess or Umbrella Limits available up to $25,000,000 No deductible required Property Coverage: Accounts Receivable Basic, Broad, or Special Form available Building and Contents coverage Business Income protection Computer Equipment and Equipment Breakdown Outside Signs and Valuable Papers Replacement Cost or Actual Cash Value options Crime Coverage: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Losses occurring Outside the Premises Underwriting Notes Coverage is designed for standard office risks with minimal customization needed. The program accommodates both owner-occupied and tenant-occupied settings. Underwriting focuses on clean risks with good housekeeping and no significant prior losses. Admitted and non-admitted markets are available depending on the risk profile and state. Territories and Availability This Office Insurance program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary by carrier and risk characteristics. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in commercial property and casualty markets. Agents benefit from access to a variety of carriers and flexible underwriting for office-related risks. Whether you're placing a single-location dentist’s office or a multi-tenant professional building, Colonial General’s team can help you find the right solution quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for low-hazard professional offices such as accountants, lawyers, consultants, and medical or dental offices. Can I write both property and liability coverage through this program?Yes, coverage is available on a mono-line or package basis, allowing you to write property, liability, or both depending on your client’s needs. Is this program available on an admitted basis?Some markets are admitted, while others are non-admitted, depending on the risk and state. Colonial General can help determine the best fit. Are there coverage options for crime or employee theft?Yes, crime coverage includes theft of money and securities, robbery, and safe burglary both inside and outside the premises. Which states is this program available in?The Office Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.