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Policy Highlights: Heavy truck sales and repair operations have comp...operations accepted?Yes. Mobile heavy truck repair is acceptable under this pr...

Overview — Ice Cream Truck Insurance from Colonial General Insur...ked Questions What types of ice cream truck accounts are a good fit for this program?Single truck operators and small fleets with ro...

...es, independent caterers, catering trucks, sandwich and food trucks, and ice cream vendors serving weddi...event venues, catering services, food trucks, and ice cream trucks that serve private and public eve...

...lients operate banquet halls, food trucks, ice cream trucks, or provide on-site catering for wed...s ideal for catering businesses, food trucks, ice cream trucks, and event venues providing food ...

...ce program tailored for commercial trucking operations that transport perishab...o mid-sized fleets using refrigerated trucks. Is refrigeration breakdown cover...

...specialized segment of the freight trucking industry with distinct operational...t coal haulers and small to mid-sized trucking operations that move coal short...

...wner-operators and small-to-medium trucking firms that transport logs, roundwo...distributor running multiple straight trucks and trailers moving finished lumb...

Policy Highlights: Auto detailing businesses face exposures that standard commercial policies often do not address. Colonial General Insurance Agency, Inc. offers a specialized Auto Detail Shop Insurance program through its Commercial Garage Department. The program is designed for both fixed-location and mobile detailing operations and helps agents place harder-to-insure garage risks with confidence. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with deep underwriting expertise in garage-related risks. This Auto Detail Shop Insurance program provides tailored coverages for businesses that perform vehicle detailing, with options for incidental towing, in-transit exposures, and limited mechanical work. Availability spans multiple Western states and includes both admitted and non-admitted markets where appropriate. Ideal Accounts and Appetite This program works well for a range of detailing operations, including: Standalone auto detailing shops with or without storefronts Mobile detailers who operate on scheduled routes or on-demand Detail shops that also perform light mechanical services Operations with in-transit risk or incidental towing exposure Accounts that commonly fall outside the appetite include high-volume repair garages, full-service body shops, or businesses with major painting and collision operations. Those risks typically require alternative garage or auto repair programs. Coverage Highlights and Advantages Key coverages available through Colonial General’s program include: Garage Liability limits up to $1,000,000 per accident $3,000,000 Aggregate Liability limit Garage Keepers Coverage provided on a primary basis with specified causes of loss Dealers Physical Damage and coverage for False Pretense losses Fire Legal Liability and $5,000 Medical Payments Broadened Coverage Endorsements to address common garage exposures In-Transit Coverage tailored for towing and transport operations Property coverage available for eligible locations and contents Mobile detailing is accepted, offering flexibility for agents placing non-traditional garage operations. Underwriting Notes and Minimum Premiums Every submission is underwritten on its own merits. Colonial General leverages multiple carrier relationships to match risk characteristics to the best available market. Some admitted options are available depending on the state and exposure profile. While minimum premium requirements vary by carrier and state, Colonial General seeks competitive pricing for qualifying accounts and will advise on structure and attachments needed for placement. 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), and Wyoming (WY). Agents in these states can access admitted and non-admitted markets to suit client needs. Why Work With Colonial General Insurance Agency, Inc. Colonial General brings targeted garage-market expertise, responsive underwriting, and access to multiple carriers that specialize in garage and auto exposures. Their Commercial Garage Department understands the nuances of detailing operations—both fixed and mobile—and can tailor policy forms and limits accordingly. Example scenarios that are a good fit: A single-bay detailing shop that offers ceramic coatings and occasional customer vehicle storage — you can pursue Garage Liability with Garage Keepers and property coverage. A mobile detailing business operating a fleet of two vans doing scheduled corporate accounts — the program can provide in-transit coverage and liability limits that reflect the fleet exposure. For more details on placement guidelines and available markets, visit Colonial General's company profile or connect with their market specialists. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fixed-location and mobile auto detailing businesses, including those with incidental towing or property exposures. Are mobile auto detailers eligible for coverage?Yes. Mobile detailing operations are acceptable and can be underwritten when you provide vehicle schedules, estimated revenue by activity, and details on in-transit handling. Is Garage Keepers coverage included?Yes. Garage Keepers Coverage is available on a primary basis with specified causes of loss; limits and causes of loss are determined by the underwriting review. Which states offer this program?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program include options for admitted markets?Some admitted markets are available depending on the risk and the state. Colonial General will help identify whether an admitted or E&S placement is the best path for each submission. Need help placing an account? Connect with a market specialist.

...der $1M in receipts, company-owned trucks, and a modest tool inventory — poten...

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.