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Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator with nearly $1B GWP across multiple industries and lines. ASCS distributes a suite of public entity products designed for pools and individual government clients. Below is a clear summary you can use when evaluating placement options for your public entity insureds. Program overview Amwins Underwriting’s Public Entity Insurance Programs provide dedicated property, liability, and workers’ compensation solutions for public-sector entities. These programs combine specialty underwriting, flexible capacity, and access to well-capitalized markets and reinsurers to address exposures unique to municipalities, school systems, special districts, public housing authorities and similar public entities. Ideal accounts and appetite Municipalities (cities, towns, counties) Public schools and higher education institutions Special districts and service authorities Public housing authorities and municipal utilities Pools and joint powers authorities seeking programmatic solutions You should consider these programs when your client needs higher capacity, layered solutions, or specialized terms crafted for public entities that standard commercial markets struggle to accommodate. Coverage highlights and advantages Public Entity Property: Up to $50M capacity per risk; administered by ASCS and written by a non-admitted carrier; excess follow-form; no TIV cap. Note: unable to participate on lead/primary layers. Public Entity Casualty: Liability offered as follow-form excess or reinsurance; up to $3M per occurrence; placed on AM Best “A-” paper and backed by a panel of global reinsurers; strong underwriting and claims expertise. Public Entity Workers' Compensation: Options include buffer, SIR, alternative funding and excess solutions; carrier ratings across programs range from AM Best "A+" to "A-" XII; available in all states. Underwriting notes and placement considerations Underwriting is program-driven and tailored to public entity exposures. Key considerations include existing policy layers (for follow-form placements), desired limit structure, loss history for public-sector operations, and whether the client is a pool or a single entity. The Property program operates on non-admitted paper; casualty and workers’ comp placements use admitted markets or reinsurer-backed structures depending on the program. Amwins’ underwriting team expects complete submissions with current values, schedules of locations, loss runs, and details on risk-transfer arrangements. Territories and availability Programs are available nationwide. States of availability include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place public entity business with Amwins Underwriting Amwins Underwriting brings program design expertise, deep public entity underwriting, and strong carrier/reinsurance relationships. That combination helps you place larger limits, structure layered solutions, and offer funding alternatives for clients who need more than standard commercial terms. The underwriting and claims bench strength noted on the casualty program provides additional confidence for complex liability exposures. (*We work with pools and individual public entities) Frequently Asked Questions What types of public entity accounts are a good fit for these programs?These programs target municipalities, public schools and colleges, special districts, public housing authorities, municipal utilities, and pools. They are a strong fit when clients need higher capacity, excess or reinsurance placements, or alternative funding structures for workers’ comp. Are the programs admitted or non-admitted?Placement depends on the specific product: the Public Entity Property program is written by a non-admitted carrier and administered by ASCS. Casualty and workers’ compensation placements may be on admitted paper or structured with reinsurer support; confirm program specifics when submitting. What information should I include with a submission?Provide current policy details and limits, TIV and schedule of locations for property, recent loss runs, description of operations and exposures, any existing SIR or alternative funding arrangements, and details about pools or joint powers structures if applicable. Which states are these programs available in?The programs are available nationwide. Refer to the storefront for the full list of states, and confirm any state-specific requirements during submission, especially for workers’ compensation and surplus-lines placements. Need help placing an account? Connect with a market specialist.

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Property & Casualty Insurance Coverage for Auto Dismantlers Endorsed by the Automotive Recyclers Association Amwins Program Underwriters, part of the Amwins Underwriting division, offers a dedicated Auto Dismantlers program designed for risks primarily engaged in dismantling vehicles and selling used parts. This program pairs specialized underwriting with broad coverage options backed by an A.M. Best rated "A" carrier and more than 30 years serving the automotive recycling industry. Use this program to place accounts that need industry-specific forms, flexible inland marine and conversion coverages, and tailored loss control considerations. Overview of the Program From Amwins This program is built for agents who need a single-market solution that understands the unique exposures of dismantlers, recyclers, salvage dealers, and self-service yards. Amwins underwriters evaluate operations with a focus on core dismantling activities and will consider accounts with ancillary businesses when the primary exposure remains auto dismantling. The program emphasizes risk selection, experienced claims handling, and flexible packages that combine property, liability, inland marine and specialty protections. Ideal Accounts and Appetite Target classes: Automotive dismantlers Self-service yards Auto recyclers Scrap yards Scrap dealers Salvage yards Typical accounts have a higher percentage of dismantling and used-parts sales versus unrelated operations. The program generally prefers operations with organized parts inventory, secured storage, basic environmental controls, and documented salvage handling procedures. High-volume salvage-only operations, contractors, or businesses where dismantling is a minor sideline may be outside the primary appetite — submit for review if operations are mixed. Coverage Highlights and Advantages Package capability including Property and General Liability tailored to dismantlers Specialty inland marine for parts inventory and transit exposures Crime and conversion coverage for inventory risks unique to recycled parts Employment Practices Liability, Cyber, Equipment Breakdown and Umbrella options Workers' compensation available — click here to learn more! Underwriting developed specifically for automotive recycling exposures and salvage operations Underwriting Notes and Minimum Premiums Underwriting emphasizes the percentage of core dismantling activity, site security, inventory controls, and environmental practices. Key submission items include a completed application, loss runs (typically 3–5 years), site photos showing storage and security, and details on inventory controls and salvage handling. Minimum premium: Varies by state and coverage — contact Amwins underwriting for state-specific minimums and availability. Territories and Availability This program is available in the following states and territories: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and specific terms may vary by state; please confirm with underwriting for admitted vs. non-admitted options and any state-specific forms. Why Work With Amwins on Auto Dismantlers Business Niche underwriting expertise with more than three decades serving automotive recyclers Access to specialized coverage forms and inland marine options for parts and salvage Single-source program to place multiple lines (property, liability, inland marine, specialty lines) Responsive underwriting to help you place accounts that other markets may decline due to unfamiliarity with dismantling operations Example fits You have a long-established auto recycler with organized parts racks, gated storage, and documented inventory controls who needs a combined property/inland marine package plus conversion protection. You represent a self-service yard expanding into online parts sales that needs liability, cyber, and inland marine coverages tailored to higher customer interaction and parts-in-transit exposure. Submission Tips Include detailed loss runs and describe the percentage of dismantling vs. ancillary operations. Provide photos of the yard, parts storage, fencing/gates, and any security systems. Document inventory procedures, customer access controls, and environmental measures for fluid handling. Contact Amwins underwriting early for borderline or mixed-operations accounts to determine fit and preferred terms. Frequently Asked Questions What types of accounts are a good fit for the Amwins Auto Dismantlers program?Accounts primarily engaged in dismantling vehicles and selling used parts — including self-service yards, recyclers, salvage and scrap dealers — are ideal. The program prefers operations where dismantling is the core activity and inventory controls and site security are in place. What documents and information should I submit with a new account?Submit a completed application, 3–5 years of loss runs, site photos (storage, security, fencing), description of inventory and salvage handling procedures, and any environmental controls for fluid management. Is workers' compensation available through this program?Yes. Workers' compensation is offered as part of the program — availability and terms can vary by state. Refer submissions to Amwins underwriting to confirm state-specific options and requirements. Are there common exclusions or operations that this program will not accept?High-hazard operations unrelated to dismantling (e.g., heavy manufacturing, major contractor operations) or accounts where dismantling is only a minor sideline are less likely to fit. Environmental contamination from prior operations may also impact eligibility; submit for review with full disclosure. Need help placing an account? Connect with a market specialist.

Insurance for Students, Sports & Leisure Activities Overview — Accident Medical Insurance from Amwins Underwriting (SMIC) SMIC, part of Amwins Underwriting, offers specialty Accident Medical, Student Accident and related liability programs for schools, sports organizations, special events and other leisure activities. With underwriting authority across all 50 states and access to A-rated carriers, SMIC delivers flexible, programmatic solutions that can be placed on a voluntary or mandatory basis, for single events or ongoing seasonal and annual operations. Industries and Account Types K-12 Education (public, private, charter, religious, preschool) Colleges & Universities Sports & Recreation (youth and adult leagues, clubs, tournaments) Public Entities Nonprofits and Religious Organizations Special Events, Fundraisers and Concerts Coverage Highlights Student Accident — Voluntary or mandatory student accident policies for K-12 activities, including athletics; common limits start at $25,000. Catastrophic Accident — Excess catastrophic benefits that supplement basic student accident coverage. Typical structures include 10-year or lifetime benefit periods and catastrophic cash options. With a common deductible of $25,000, limits can range from $1 million to $6 million. Accident Medical — Pays medical expenses resulting from accidental injury to participants, coaches, officials and volunteers during sports, camps, mission trips and similar activities. Typical limits for most programs range from $5,000 to $100,000. General Liability — Bodily injury, personal injury, property damage and optional participant legal liability for events, fundraisers, leagues and associations. TULIP (Tenant/User Liability Insurance Program) — Short-term, event-specific liability coverage with online issuance to reduce administrative burden for facility users and owners. Contingency Products — Coverage for cancellation & abandonment, non-appearance, prize indemnity, over-redemption, weather cancellation, transmission failure, ticket protection and related exposures. Inbound International Health Insurance — Comprehensive health coverage solutions for international students, visiting scholars and exchange program participants; available on mandatory or tight-waiver bases with flexible benefit designs. Why this program helps your clients These programs are designed to reduce the financial and reputational risk that arises when a participant is injured, an event is cancelled, or an organization is faced with third-party liability arising from athletic or recreational activities. SMIC’s specialty focus means underwriters understand the operational differences between a one-day tournament, a school district’s athletic program, and a year-round club—so quotes and policy forms reflect real exposures. Typical Appetite and Fit Good fit: K-12 and higher education student accident programs, youth and amateur sports leagues, seasonal camps, mission trips, nonprofit events, and single special events. Not a fit: High-risk professional sports, accounts requiring specialized workers’ compensation solutions, or exposures outside organized program structures without clear oversight. Underwriting Notes and Minimums SMIC offers tailored underwriting for single events through multi-year program placements. Common underwriting requirements include participant rosters, activity descriptions, supervision and safety protocols, and claims history when available. The program typically carries a minimum premium starting at $200. Territories and Availability SMIC has underwriting authority in all 50 states and Washington, D.C., and the program is available broadly across the United States. Because some coverages are admitted or non-admitted depending on the state and product structure, submit bind requests early so underwriters can advise on placement options and any state-specific requirements. How agents use this market As an MGA within the Amwins Underwriting family, SMIC gives agents access to dedicated specialty capacity and program forms for accident and event risks. You can use this market to place single events (concerts, tournaments, fundraisers) or programmatic accounts for schools, athletic associations and nonprofits. Example scenarios: You have a school district that needs a mandatory student accident plan for fall athletics with catastrophic excess—this program can combine a primary student accident policy with a catastrophic excess layer. A community recreation department needs short-term liability and accident coverage for an annual festival with multiple vendors and volunteer staff—TULIP and short-term accident limits can be issued to simplify administration. Click here to learn more about our offerings! Frequently Asked Questions What types of accounts are a good fit for SMIC’s Accident Medical program?Accounts that involve organized activities—K-12 and college student programs, youth and amateur sports leagues, camps, mission trips, nonprofit events and short-term special events—are the best fit. The program is built for participant accident exposures and related liability risks. What are the common limits and coverages I can quote?Typical accident medical limits range from $5,000 to $100,000 for primary accident medical coverage. Student accident plans commonly start at $25,000, and catastrophic excess limits typically range from $1 million up to $6 million depending on structure and deductible. What information does underwriting usually require?Underwriters typically request a description of the activity, participant counts/rosters, supervision and safety protocols, prior loss history and whether coverage is voluntary or mandatory. For events, details about attendance, vendors, and venue agreements help determine liability exposure. How do I submit a quote request and what is the minimum premium?Submit detailed account information to Amwins Underwriting/SMIC via your usual broker channels. The program’s minimum premium is generally $200; final pricing depends on exposure, limits, deductible structure and whether the placement is event-specific or programmatic. Need help placing an account? Connect with a market specialist.

APU's Auto Dealer's Pollution program provides a streamlined, standalone Site Pollution Liability solution designed specifically for small auto servicing operations. Many small dealers and shops find only limited add-on pollution riders or expensive, broad pollution policies that exceed their needs. Amwins Underwriting’s Auto Dealer's Pollution program fills that gap with focused coverage and simple underwriting through an “A+ XV” rated carrier. Overview of the Program from Amwins Underwriting This program is a dedicated Site Pollution Liability policy tailored for auto dealers, repair and servicing centers, and related operations. Coverage is designed to respond to on- and off-site pollution exposures, including third-party bodily injury and property damage, cleanup costs and certain transportation and disposal contingencies. The program supports smaller accounts that need more than a limited add-on endorsement but less than a full, high-cost pollution policy. Target Operations / Ideal Accounts Auto dealers Repair shops and servicing centers Motorcycle and RV servicing shops Tire dealerships, lube and oil change centers Muffler and transmission repair shops Battery stores and similar small automotive service locations Coverage Highlights and Advantages On-site and off-site cleanup costs and third-party bodily injury and property damage Automatic coverage for above-ground storage tanks (up to 110 gallons) Ability to schedule above-ground tanks over 110 gallons and non-regulated underground tanks Automatic contingent liability for waste transportation and for non-owned waste disposal locations (including on-site coverage) Restoration costs included in the definition of cleanup costs Loading and unloading coverage and available tail coverage Program Highlights Ability to honor prior carriers’ retroactive dates on new business Flexible deductible options Simple, streamlined underwriting appropriate for smaller accounts Capacity up to $4,000,000 Underwriting Notes and Minimums This is a focused Site Pollution Liability program intended for smaller auto servicing risks. Typical submissions should include basic site information, tank schedules (if any), and any known environmental history. The program offers flexible underwriting but is best suited for operations without significant historical contamination, complex remediation needs, or heavy industrial exposures. Minimum premium: $500. Territories and Carrier Available across the following U.S. states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage is placed with Berkley Specialty Underwriting Managers through an “A+ XV” rated carrier. Appetite and Typical Restrictions Good fit: small to mid-size auto dealers and service shops, single-location or small multiples with routine maintenance operations. Less suitable: large-scale body shops with heavy historic contamination, major fueling facilities, sites with active regulatory cleanup orders, or locations with frequent off-site hazardous waste hauling under the insured’s control. Tank schedules and disclosures of any prior releases are required for underwriting when applicable. Example Account Scenarios You have a family-owned 3-bay repair shop with an on-site 100-gallon above-ground oil tank and routine oil change operations — this program can provide dedicated pollution limits and cleanup coverage without the cost of a full commercial pollution policy. An independent dealer with a small lube center and a non-regulated underground tank (previously installed and disclosed) that needs scheduled tank coverage and the ability to carry a retroactive date from the prior carrier. Why Place This Business with Amwins Underwriting Amwins Underwriting offers a targeted program designed for the needs of small auto servicing operations, combining focused coverage features, flexible underwriting, and access to a reputable carrier (Berkley Specialty Underwriting Managers). The program balances manageable pricing and meaningful pollution protection, with quick turnaround for straightforward risks. It’s a practical market for agents seeking a pollution solution that fits smaller automotive accounts without overpaying for capacity they do not need. Program Limits: Up to $4,000,000 Minimum Premium: $500 Frequently Asked Questions What types of accounts are a good fit for the Auto Dealer's Pollution program?Small to mid-size auto dealers, repair shops, lube and oil-change centers, tire dealers, muffler and transmission shops, and similar servicing operations with routine automotive maintenance exposures and limited historical contamination are the primary target. Can the program cover above-ground and underground tanks?The program provides automatic coverage for above-ground tanks up to 110 gallons and allows scheduling of larger above-ground systems. Non-regulated underground storage tanks can be scheduled for coverage—disclosure and tank details are required for underwriting. Will Amwins Underwriting accept a prior carrier’s retroactive date?Yes. The program has the ability to honor previous carriers’ retro dates on new business when documentation supports the requested date and underwriting accepts the history. What is the minimum premium and are there flexible deductible options?The published minimum premium is $500. The program also offers flexible deductible options; final terms depend on the risk profile and underwriting review. Need help placing an account? Connect with a market specialist.

Amwins Program Underwriters' Demolition Contractors program through Amwins Underwriting is a specialty placement for demolition, wrecking and salvage contractors. As a managing general agency, Amwins offers a focused package that combines general liability, auto, pollution, and excess liability to address the primary exposures of demolition operations. The program targets established demolition contractors and provides specialty underwriting, loss-control support, and superior claims handling via an AM Best "A" rated carrier. Overview of the Program from Amwins Underwriting This program is designed for contractors who perform demolition and salvage work as their primary business. Coverage can include: Commercial General Liability Automobile Liability (including pollution-contaminant liability on autos) Pollution liability (operations-related) Excess/Umbrella limits to broaden protection Limits are competitive for this class: General Liability up to $1,000,000 per occurrence / $2,000,000 aggregate and Automobile up to $1,000,000 CSL. General Liability is placed on non-admitted paper; other lines are typically written on admitted paper. Ideal Accounts and Appetite This program is a strong fit if your client meets the following: At least 75% of gross receipts are from demolition-related activities. Primary operations include selective demolition, structure dismantling, salvage, and site clearance without high-hazard methods. Clients who handle recycling of construction debris, excavation, or grading as incidental operations (collectively up to 25% of GL receipts). Examples of good-fit accounts: A mid-sized contractor performing commercial interior and selective structural demolition with on-site salvage and debris recycling. A salvage operator who specializes in controlled dismantling and scrap recovery with limited subcontracting. Underwriting Notes and Restrictions Minimum premium: $10,000 for General Liability. Subcontracting limits: not eligible if more than 25% of demolition operations are subcontracted to others. Ineligible operations: wrecking-ball demolition and blasting performed by the insured are excluded. Inspections and loss control reviews are commonly required for new and renewal accounts. Coverage Advantages Program tailored specifically to demolition/salvage exposures rather than placed in a broader construction marketplace. Access to admitted wording for most lines (GL on non-admitted paper only) with an AM Best "A" rated insurer behind the program. Local rating and underwriting decisions through Amwins' specialty team and superior claims and loss control service designed for this class. Territories and Availability Available in all U.S. states except Alaska (AK) and Hawaii (HI). Underwriting availability and specific terms may vary by state due to regulatory differences. Why Place This Business with Amwins Underwriting As a managing general agency, Amwins Underwriting brings niche expertise in demolition risks, strong carrier relationships, and dedicated service for agents. Use this program when you need a market that understands demolition exposures, will consider packaged liability/auto/pollution placements, and can offer excess capacity for larger accounts. Frequently Asked Questions What types of demolition contractors are a good fit for this program?Contractors whose primary business (at least 75% of receipts) is demolition, wrecking, salvage or selective dismantling and who do not perform blasting or wrecking-ball work. Incidental excavation, grading and debris recycling are acceptable up to 25% of GL receipts. Is General Liability placed admitted or non-admitted?General Liability for this program is generally placed on non-admitted paper; other lines such as auto and pollution are typically placed on admitted paper. Final placement depends on state availability and underwriting. What are the key underwriting requirements I should expect?Expect a minimum GL premium of $10,000, subcontracting limits (no more than 25% of demolition operations subcontracted), and routine loss-control reviews or inspection reports for new or higher-exposure accounts. Are blasting, wrecking ball, or heavily subcontracted jobs eligible?No. The program excludes blasting and wrecking-ball operations performed by the insured, and it will not accept accounts where more than 25% of demolition operations are subcontracted out. Need help placing an account? Connect with a market specialist.

The cannabis insurance market continues to expand and evolve. Amwins Program Underwriters’ Cannabis program delivers focused property & casualty solutions for the emerging risks cannabis and hemp businesses face. With low minimum premiums, streamlined applications and fast turnaround, Amwins Underwriting is positioned to be your one-stop market for placing coverage across the cannabis supply chain. Ideal accounts and appetite This program targets operators across the licensed cannabis and hemp industries. It is a strong fit for accounts that need standard property and liability protections tailored to cannabis exposures rather than bespoke, high-capacity or highly complex package placements. Dispensaries and retail operations Wholesalers and distributors Cultivation — indoor and outdoor Delivery and transport (including offsite/transit coverage) Manufacturers — extraction, infused products, bakeries Hemp, CBD and minor cannabinoid producers Testing labs and consultants Lessor’s risk for mixed-use properties (incidental habitational and non-cannabis tenants acceptable) Coverage highlights and advantages Amwins’ Cannabis P&C program offers both monoline and packaged options designed for cannabis-specific exposures. Underwriting is handled by underwriters experienced with this industry, which helps produce competitive terms and more consistent placements than generalist markets. Property — monoline or packaged solutions Equipment breakdown General liability and products liability Inland marine and property-in-transit endorsements Limits available include general liability up to $2m/$2m, products liability up to $1m/$2m and property limits to $15m per location, subject to underwriting and state availability. Underwriting notes and minimums The program keeps application requirements straightforward to enable quick quotes. Standard eligibility focuses on licensed operators with documented compliance programs and typical risk controls (inventory controls, secured storage, licensed transport procedures, etc.). The program’s stated minimum premium is $750. Large or unusually hazardous operations may require referral to specialty markets. Territories and availability The program is available in all U.S. states where cannabis or hemp is legal, including—but not limited to—the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and specific coverages may vary by state and local regulatory environment. Why place this business with Amwins Underwriting Amwins Program Underwriters combines targeted cannabis underwriting expertise with programmatic efficiency. You can expect underwriters who understand cultivation, manufacturing and retail exposures and who provide product options that reflect the unique operational risks of the industry. Example placements: A single-location dispensary seeking a packaged property and GL policy with transit coverage for deliveries. A mid-size indoor cultivator that needs equipment breakdown coverage and higher property limits at one primary location. For additional details, click here to visit our website. Frequently Asked Questions What types of cannabis accounts are a good fit for this program?This program fits licensed dispensaries, wholesalers, cultivators (indoor and outdoor), manufacturers (extraction and infused products), testing labs, delivery/transport operators and lessor’s risks with incidental non-cannabis tenants. Complex or high-capacity industrial operations may require referral. What coverages can I get through Amwins Program Underwriters’ Cannabis program?Agents can place property (monoline or packaged), equipment breakdown, general liability, products liability, inland marine and property-in-transit endorsements. Limits and specific terms depend on underwriting and state requirements. Are there minimum premiums or submission requirements I should know about?The program has a stated minimum premium of $750. The underwriting team favors straightforward submissions with clear licensing documentation, inventory controls and basic risk-management practices to enable quicker binding. Which states are eligible for placement?The program is available in U.S. states where cannabis or hemp is legal. State availability and coverages vary; confirm state-specific appetite and restrictions with underwriting on each submission. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers Accountants Professional Liability Insurance tailored to meet the needs of accounting professionals and firms of all sizes. Overview of the Program From Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, providing flexible solutions for accountants' professional liability exposures. This program is designed to help independent agents place coverage for accounting firms facing risks related to errors, omissions, or negligence in the performance of professional services. Whether your client is a sole practitioner or a mid-sized accounting firm, Colonial General can help you find the right fit. Ideal Accounts and Appetite This program is suited for a broad range of accounting professionals, including: Certified Public Accountants (CPAs) Bookkeepers and tax preparers Small to mid-sized accounting firms Firms providing audit, consulting, or advisory services Accounts with a clean loss history and a focus on traditional accounting services are typically a strong fit. Higher-risk exposures such as forensic accounting or investment advisory services may require additional underwriting. Coverage Highlights and Advantages Colonial General’s Accountants Professional Insurance program provides protection against claims alleging negligence, errors, or omissions in the delivery of professional accounting services. Key features include: Limits available starting at $100,000/$300,000 Various deductible options to suit different risk appetites First Dollar Defense available depending on carrier approval Claims Expense Outside the Limits may be offered based on carrier discretion Coverage terms and premiums will vary depending on the carrier and specific risk profile of the insured. Underwriting Notes and Minimum Premiums Each submission is underwritten based on the size, scope, and services of the accounting firm. Clean operations with clearly defined service offerings and low claims frequency are typically easier to place. While minimum premiums are not specified, competitive pricing is available for qualifying risks through Colonial General’s carrier network. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and jurisdiction. Why Work With Colonial General With deep expertise in professional liability and access to a variety of national and regional carriers, Colonial General provides agents with responsive service and flexible options for placing hard-to-place or niche accounting risks. Their team understands the unique exposures faced by today’s accounting professionals and works closely with agents to deliver tailored coverage solutions. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for CPAs, bookkeeping firms, tax preparers, and small to mid-sized accounting firms providing traditional accounting services. Are First Dollar Defense and Claims Expense Outside the Limits included?These features may be available depending on the carrier and underwriting review. Availability is determined on a case-by-case basis. Can this program cover firms with prior claims?Firms with prior claims may still be eligible, but underwriting will evaluate the severity, frequency, and nature of past claims before making a decision. In which states is this program available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What documentation is needed to submit an account?Typically, an application, firm brochure or website, and loss runs (if applicable) are required. Additional documents may be requested based on the submission. Need help placing an account? Connect with a market specialist.