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...ete dome homes Straw bale homes Log homes constructed with hand-hewn or milled logs Converted structures such as former...such as dome homes, straw bale houses, log cabins, and converted churches or schools used as homes. Is this program available in all ...

...vailable for employed MDs and psychologists Non-owned auto coverage availabl...s available for on-staff MDs and psychologists as part of the program. What is...

Program Highlights for In-home Business Insurance: Overview — Colonial General Insurance Agency, Inc. In-home Business Insurance Colonial General Insurance Agency, Inc. offers an In-home Business Insurance program designed for small, owner-operated businesses that run from the insured’s residence. Unlike many standard homeowners policies that exclude business exposures, this program is written as a supplement to the homeowner policy so the home and the business can be insured together. Colonial General underwrites these risks as a Managing General Agency and Excess & Surplus Lines broker with access to multiple markets (carriers vary). Ideal accounts and target classes Owner-operated retail distribution from the home (online shops, craft sellers, direct-to-consumer product sales). Service professionals working from a home office (consultants, bookkeepers, designers, small IT shops) with limited or no public traffic. Creative and light production businesses (artists, tailors, small-scale woodworking or custom jewelry where processes and materials are low hazard). Accounts operated by the insured and/or immediate family with no more than three employees. What typically fits — and what does not Good fits are small operations with low premises exposures, limited customer visits, modest inventory stored on site, and no heavy equipment or hazardous processes. This program generally will not accept accounts that involve significant manufacturing, high customer foot traffic, regular on-site instruction/classes with many attendees, large-volume flammable storage, auto repair, or other high hazard operations. Coverage highlights Business Personal Property — protection for stock, tools, and business equipment kept at the residence. Business Income — limited time element coverage for income interruption tied to the home business operations. Business General Liability — coverage for third-party bodily injury and property damage arising from business operations. Standard All Perils Deductible — consistent deductible structure designed to align with the packaged homeowners supplement. Medical Payments — for on-site medical expense payments to third parties regardless of fault. Underwriting notes for agents Maximum employees: typically the insured and immediate family plus up to three employees. Verify payroll and employee counts on submission. Operations: program focuses on retail distribution or low-exposure services performed at or from the home. Describe production processes, materials, and any flammable or hazardous substances used. Premises exposures: photos of the work area, description of customer access and parking, and any fire or safety protections are commonly requested. Loss history: submit prior loss runs when available — underwriting reviews frequency and severity closely on home-business risks. Carrier placement: markets vary by class and state; some territories have admitted capacity while others are placed on a non-admitted/E&S basis (see availability below). Territories and availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted capacity is available in some markets; other placements may be handled on an Excess & Surplus basis depending on the class and state. Because carriers and admitted status vary, submit early or contact Colonial General underwriting to confirm placement options for a specific state and class. Why work with Colonial General on in-home business accounts Colonial General focuses on small, home-based businesses and understands how to package business coverages with homeowner exposures without forcing a separate commercial property policy. The program streamlines placement for common home business classes, offers tailored limits for personal property and liability, and gives agents flexible access to admitted and non-admitted markets. For borderline or nonstandard situations, Colonial General’s MGA/E&S capabilities can help find an appropriate market. Quick example scenarios Example A — An Etsy artisan sells handcrafted goods online and stores finished inventory in a garage workroom. The owner wants coverage for stock, tools, and limited liability for buyer visits. This program can provide business personal property and liability coverage as a supplement to the homeowner policy. Example B — A freelance bookkeeper works from a home office, has no in-person client traffic, and needs professional liability and business income protection for computer equipment and records. The program accommodates low-exposure office services operated from the residence. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s In-home Business program?Accounts that fit best are owner-operated, retail distribution or low-exposure service businesses run from the home, with limited customer visits, modest on-site inventory, and no more than three employees (including immediate family). Examples include online retailers, artists/crafters, consultants, and small home offices. Is this coverage written standalone or combined with a homeowners policy?The program is written as a supplement to the homeowner policy so the residence and the in-home business are insured together. Placement details and eligibility are confirmed by Colonial General underwriters and vary by market. Can customers visit the home for pickups or appointments?Limited customer visits are typically allowed but depend on the class and expected foot traffic. High customer volume, instruction classes, or regular public events are usually not acceptable. Provide details on expected visits when submitting so underwriters can assess exposure. Which states and admitted options are available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets offer admitted capacity while others may require non-admitted/E&S placement; carriers vary by state and class, so check with Colonial General for current market availability. Need help placing an account? Connect with a market specialist.

...owing operations that handle motor homes and large RVs. As an experienced mana...wing or in-transit services for motor homes are the primary targets for this p...

...owing operations that handle motor homes and large RVs. As an experienced mana...wing or in-transit services for motor homes are the primary targets for this p...

...ized operations serving individual homes (not institutional facilities) Prefe...

...One- and two-family owner-occupied homes Secondary or seasonal residences ...ve been declined elsewhere, including homes with prior losses or no prior insu...

NURSE REGISTRIES INSURANCE For NC and VA HOME HEALTH CARE AGENCIES BASIC CARE - NON-NURSING SERVICES SKILLED CARE - NURSING SERVICES Agents Insurance Markets, Inc. (AIM) provides a focused market for independent agents and brokers placing nurse registries and home health care agencies in North Carolina (NC), Virginia (VA), and Washington, DC. This program is built to address the professional and general liability exposures unique to both skilled nursing services and non-skilled in-home care providers. Overview of the Program from AIM This program is intended for agencies that arrange in-home care through nurses, certified nursing assistants, aides, therapists, companions, and homemaker services. As an experienced Managing General Agency, AIM works with admitted and non-admitted carriers to deliver tailored coverage — in this program coverage is placed on a non-admitted basis through Western World Insurance Company — giving you flexibility when standard markets decline or limit terms. Ideal Accounts and Appetite AIM has appetite for a range of smaller to mid-sized home health operations, including: Basic Care – non-nursing homemaker and companion services Skilled Care – licensed nursing and therapy services Nurse registries that place nurses, therapists and aides Certified Nursing Assistants (CNAs) and caregiver staffing Home health aides and personal care attendants Example placements: you might have a small nurse registry that coordinates physical therapy and CNA visits across several counties in NC and VA, or an agency that employs CNAs to provide daily in-home support for seniors. Those account types typically fit well within this program. Coverage Highlights and Advantages The program combines professional and operational protections commonly required by home health providers: Commercial General Liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate Professional Liability (medical/professional malpractice) coverage Optional Sexual Misconduct & Molestation coverage available up to $1,000,000/$1,000,000 Hired & Non-Owned Auto Liability available for staff using personal vehicles Property coverage with enhancement form and floaters for portable equipment Employees included as insureds by endorsement; additional insured endorsements available Damage to Premises Rented to You — up to $100,000; Medical Payments up to $5,000 Occurrence-based policies with defense costs outside the limits Underwriting Notes and Minimum Premiums AIM's underwriters are experienced with allied health and home care risks and will consider a variety of operational models. The program is written on a non-admitted basis to allow more flexible terms and tailored endorsements. There is no rigid minimum premium published for this program; underwriting will evaluate exposures, revenue, staffing, licensing, and claims history to determine terms and pricing. Territories and Availability This Nurse Registries Insurance program is available for placements in the following territories: North Carolina (NC) Virginia (VA) Washington, DC Coverage is issued non-admitted through Western World Insurance Company, which can help when admitted markets are restrictive or unavailable. Why Work with AIM Agents Insurance Markets, Inc. combines niche expertise in healthcare placements with access to specialty non-admitted markets. Working with AIM gives you: Access to an established non-admitted carrier (Western World) for difficult-to-place home health risks Underwriters familiar with nurse registries, CNAs, aides, therapists and companion services Flexible policy forms and endorsements designed for in-home care operations Responsive service from an MGA that partners with agents to structure appropriate coverage We “AIM” to help you place nurse registry and home health accounts that need tailored solutions. If you have a client operating across NC or VA and seeking combined professional and general liability with optional abuse/molestation limits, this program may be a fit. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits nurse registries, home health agencies, CNAs, home companions, homemaker aides, and providers of both skilled nursing and non-skilled in-home care services. Is this program available on an admitted basis?No. This program is placed on a non-admitted basis through Western World Insurance Company to allow more flexible underwriting and customized endorsements. Which states are eligible for this program?The Nurse Registries Insurance Program is available for placements in North Carolina, Virginia, and Washington, DC. Can this coverage include professional liability and general liability?Yes. The program can provide both General Liability and Professional Liability, with optional coverages such as property, Hired & Non-Owned Auto, and sexual misconduct/molestation limits. Do you offer coverage for employees and additional insureds?Yes. Employees can be included as insureds by endorsement, and additional insured endorsements are available where appropriate. Need help placing an account? Connect with a market specialist.

...ts both individual licensed foster homes and agency-level operations with cove...ilored for individual licensed foster homes as well as larger agency operation...

...y Inland Marine program tailored to logging, construction and crane/rigging op...ented equipment protection are ideal — logging firms, land-clearing contractor...