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..., and operators of flatbeds, dump trucks, and other vehicles that carry buildi... an experienced hauler with multiple trucks or a new venture with one rig, we ...

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

...Utah, or an owner of refrigerated trucks servicing the Southwest — both are st...

Frozen food and produce haulers face a distinct set of risks — refrigeration system failures, temperature excursions, spoilage, transit delays, and the resulting business interruption and liability exposures. Colonial General Insurance Agency, Inc. offers a focused Frozen Foods or Produce Insurance program designed for commercial truckers who transport perishable frozen goods such as fruits, vegetables, dairy and other temperature-sensitive food products. Through Colonial General’s transportation and refrigerated-cargo expertise, agents and brokers get access to tailored cargo solutions that help protect their clients’ livelihoods and reduce exposure to costly loss events. The program is aimed at real-world refrigerated operations and balances flexible coverage options with underwriting discipline to keep accounts sustainable over the long term. Ideal Accounts and Appetite This program is intended for commercial trucking operations that regularly move frozen produce and other perishable food items in refrigerated trailers. Typical fits include: Independent refrigerated owner-operators and small fleets running scheduled frozen-food routes Regional or long-haul refrigerated carriers serving grocery chains, food distributors, wholesalers, or cold storage facilities Fleets with consistent temperature-control protocols and documented maintenance programs Accounts with routine spoilage expectations due to perishability can be considered when the operator demonstrates strong equipment maintenance and loss-control practices. Colonial General will review exposures for route length, commodity mix, refrigeration equipment type (reefer units vs. multi-temp trailers), and loss history when evaluating appetite. Coverage Highlights and Advantages Colonial General offers flexible cargo solutions designed for refrigerated haulers: Unlimited radius available on mono-line cargo policies — suitable for long-haul operations Excess over primary cargo capacity — limits available up to $750,000 Standard cargo limits up to $100,000, inclusive of refrigerator breakdown protection Refrigeration breakdown protection available (standard $2,500 deductible) These coverages address common refrigerated exposures including temperature control failure, vehicle accidents that damage cargo, and delays that can lead to spoilage and financial loss. Underwriting Notes and Minimum Premiums Colonial General works with multiple admitted and excess & surplus markets to place refrigerated cargo risks. Submissions should include: Detailed description of hauling operations and typical routes List of commodities hauled and shipment values Refrigeration equipment details, maintenance schedules and service records Loss history and any preventive controls (GPS, temperature monitoring, trailer seals) Underwriting flexibility is available for well-managed accounts that demonstrate strong controls and disciplined maintenance. Minimum premium requirements vary by carrier and risk profile — contact Colonial General for target minimums and specific underwriting guidelines. Territories and Availability This program has a regional focus and is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General combines regional market knowledge with access to broader excess capacity when needed. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. provides agents and brokers access to specialized underwriting for refrigerated cargo risks and markets that general carriers may not write. Colonial General’s strengths include: Dedicated transportation and refrigerated-cargo underwriting expertise Access to admitted and E&S placements to fit a range of account characteristics Responsive service and market placement support for complex or higher-limit accounts Example fits: You might have an owner-operator running weekly frozen produce runs between states who needs reliable refrigerator breakdown protection and unlimited radius cargo coverage. Or you could place a small regional fleet that supplies grocery distribution centers and requires higher excess limits over their primary cargo policy. Frequently Asked Questions What types of accounts are a good fit for this Frozen Foods or Produce Insurance program?Accounts that consistently haul frozen fruits, vegetables, dairy, or other perishable foods using refrigerated trailers are ideal. Both small fleets and owner-operators with regular routes are welcome. Is refrigeration breakdown coverage included automatically?Yes — refrigerator breakdown protection is included with cargo limits up to $100,000, subject to a $2,500 deductible. Can this program handle long-haul trucking operations?Yes. The program offers unlimited radius on mono-line cargo policies, making it suitable for long-haul and regional carriers. What are the cargo limit options?Standard cargo limits are available up to $100,000, with the option to provide excess over primary cargo coverage up to $750,000. Which states is this program available in?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Policy Highlights: Whether your client needs coverage for a boat, trailer, or vehicle used in transport, Colonial General Insurance Agency, Inc. offers tailored Trailer Transport Insurance solutions. This program addresses the exposures faced by operators hauling cargo with trailers of all types. As a regional Managing General Agency and Excess & Surplus lines broker, Colonial General provides flexible access to specialty carriers and competitive markets across the Western U.S. Overview of the Program From Colonial General Colonial General’s Trailer Transport Insurance program is focused on transportation risks that arise when cargo is moved using trailers. We write business for independent operators and small fleets and can structure mono-line cargo placements or layered solutions with excess cargo protection. Our market relationships allow us to accommodate a range of cargo types and values while providing underwriting flexibility agents need to place non-standard or higher-value exposures. Ideal Accounts and Appetite This program is a strong fit for agents submitting: Independent transport operators using trailers to haul general freight Small to mid-sized logistics companies with dedicated trailer operations Refrigerated haulers and perishable-goods transports requiring refrigerator breakdown coverage Operators of boat and vehicle trailers or specialty-hauling operations Accounts needing mono-line cargo with no mileage restrictions or excess cargo limits Colonial General can also consider unique or higher-value cargo needs, subject to underwriting review. Accounts that are outside typical trucking program classes but have clear risk controls are often placeable through this offering. Coverage Highlights and Advantages Key features of the Trailer Transport Insurance program include: Unlimited radius on all mono-line cargo policies — suitable for long-haul operators Excess cargo coverage available over primary cargo policies for up to $750,000 Cargo limits up to $100,000, with refrigerator breakdown coverage where needed Loading and unloading exposures covered automatically in the premium These features help manage common transit exposures such as damage in transit, spoilage for refrigerated loads, and gaps between primary and higher-limit needs. Underwriting Notes and Minimum Premiums Underwriting is handled with flexibility and attention to operational detail. Colonial General evaluates accounts on cargo type, routing, handling practices, equipment condition, and loss history. We have access to both admitted and non-admitted markets depending on the state and the risk profile. Minimum premiums vary by market and carrier; submit full operational details for an accurate indication. 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) Why Work With Colonial General? Colonial General combines regional transportation expertise with market access suited to hard-to-place trailer transport risks. Our underwriters are responsive and experienced in structuring both basic mono-line cargo policies and layered excess placements. We work with specialty carriers that can address refrigerated loads, high-value shipments, and accounts that need broad geographic radius without mileage limits. Example placements you might bring to this program include a small carrier hauling refrigerated produce across multiple Western states that needs refrigerator breakdown coverage and higher cargo limits, or a recreational-boat transport operator who requires mono-line cargo protection for trailers and occasional high-value loads. Provide clear operational details and loss history to help us match the right market. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include independent cargo haulers, small transport fleets, and trailer operators moving general, refrigerated, or specialty goods. Is there a mileage restriction on cargo coverage?No. All mono-line cargo policies offer unlimited radius, making this program suitable for long-haul operations. Can this program cover refrigerated goods?Yes. Cargo limits up to $100,000 are available with refrigerator breakdown coverage included where applicable. Are excess cargo limits available?Yes. Colonial General can access markets that write excess over primary cargo for up to $750,000. 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.

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

Policy Highlights for Occupational Therapist Insurance: As an insurance agent or broker placing coverage for healthcare professionals, you need markets that understand therapy-related exposures. Colonial General Insurance Agency, Inc. offers an Occupational Therapist Insurance program designed to place individual professional liability for occupational therapists in a variety of practice settings. Whether your client is a solo practitioner, a part-time contractor, or volunteers in the community, this program provides flexible options that supplement or replace employer-provided coverage when gaps exist. Overview of the Program From Colonial General Colonial General Insurance Agency is a Managing General Agency and Excess & Surplus Lines broker serving independent agents across the western United States. With access to multiple admitted and non-admitted markets, Colonial General combines underwriting reach and allied-health expertise to place occupational therapist risks. This program is tailored to the exposures therapy professionals face and is intended for individual practitioners rather than large clinic or facility risks. Ideal Accounts and Appetite This program is a fit when an individual occupational therapist needs their own professional liability coverage—either as standalone protection or to fill gaps in an employer policy. Typical placements include: Occupational therapists in private practice or small independent offices Part-time, per-diem, or contract therapists Therapists who provide home healthcare services Professionals engaged in volunteer or community-based therapy work Not a good fit: large therapy clinics, multi-disciplinary facilities with many practitioners on one policy, or accounts requiring facility/general liability packaging. You should submit individual exposures with clear work setting and license information for the best results. Example scenarios agents place well: A part-time occupational therapist who works at two outpatient clinics and wants an individual policy to cover work outside employer hours. A therapist who provides home health visits and volunteers at a nonprofit — requiring coverage for services performed away from an employer’s premises. Coverage Highlights and Advantages This program is designed to address common gaps and individual exposures for occupational therapists. Typical features you can expect to place include: Higher individual policy limits to protect clinicians when employer limits are inadequate Legal defense cost coverage and representation for licensing board hearings Reimbursement for lost wages while attending legal proceedings or hearings Coverage for services performed outside the primary workplace, including volunteer work and home visits Actual terms, limits, and endorsements depend on the carrier and the therapist’s risk profile. Colonial General works to match each submission to the most appropriate market available. Underwriting Notes and Minimum Premiums Underwriting evaluates credentials, license status, practice setting, claims history, and procedures performed. Provide complete applications and current claims information to speed placement. Colonial General has relationships with both admitted and non-admitted carriers, which helps place risks that need flexible terms. Specific minimum premiums vary by carrier and state; submit the account to receive detailed pricing and market options. Territories and Availability This Occupational Therapist Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some states may offer admitted paper while others require non-admitted placement depending on carrier appetite and the individual risk. Why Work With Colonial General? Colonial General provides independent agents with experienced underwriting and access to a broad panel of allied-health markets. Their western U.S. focus, MGA and E&S capabilities, and familiarity with therapy-related exposures make them a responsive partner when you need flexible professional liability solutions for occupational therapists. Frequently Asked Questions What types of accounts are a good fit for this Occupational Therapist Insurance program?This program is designed for individual occupational therapists—including independent practitioners, part-time clinicians, and volunteers—who need standalone or supplemental professional liability coverage. Can this program cover therapists who work in multiple locations or on a contract basis?Yes. The program accommodates therapists who work in varied settings such as outpatient clinics, clients’ homes, and contract assignments. Be sure to disclose multi-location and home visit activity on the application. Are defense costs and licensing board hearings covered?Typically yes. Policies placed through this program often include defense costs and reimbursement for licensing board hearings—coverage that may not be provided by an employer policy. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted carriers varies by state and by specific account characteristics. What information is needed to submit an application?Provide a completed application with details on the therapist’s license status, work settings, services performed, and claims history. Complete submissions help Colonial General place risks more efficiently. Need help placing an account? Connect with a market specialist.

Policy Highlights for Optometrist Insurance: Colonial General Insurance Agency, Inc. provides a dedicated Optometrist Insurance program to help agents and brokers place tailored coverage for optometry professionals. Whether your client is a solo practitioner or manages a multi-practitioner clinic, Colonial General offers market access and underwriting solutions to address the clinical and operational exposures common to modern optometry practices. Ideal Accounts and Appetite This program is designed for licensed optometrists and optometry practices that need combined professional and business coverages. Ideal accounts include: Independent optometrists in private practice Multi-practitioner clinics with diagnostic and treatment equipment Practices offering contact lens fittings, vision therapy, and pre/post-operative care Colonial General favors accounts with documented procedures, good recordkeeping and clean claims histories. Practices outside the typical scope of primary optometry care (for example, high-risk surgical centers performing complex ophthalmic surgeries) may require referral to a specialist market. Coverage Highlights and Advantages The Optometrist Insurance program combines professional and commercial coverages to protect both clinical exposures and day-to-day operations. Notable components include: Professional Liability: Defense and indemnity for alleged malpractice arising from optometric services. General Liability: Premises and third-party liability for bodily injury and property damage. Business Property: Coverage for office contents, furniture and diagnostic/treatment equipment. Hired & Non-Owned Auto: Liability for business use of employee personal or rented vehicles. Employment Practices Liability: Defense for claims alleging wrongful employment practices. Business Income & Extra Expense: Help maintaining cash flow during a covered interruption. Equipment Breakdown: Repair or replacement of essential diagnostic and treatment equipment. Worker’s Compensation: Competitive programs to meet state requirements and protect employees. Available limits, endorsements and pricing will vary by carrier and the specific risk characteristics of each practice. Underwriting Notes and Market Access Colonial General places optometry business in both admitted and non-admitted markets as appropriate for the state and account profile. The MGA’s carrier relationships allow flexibility — admitted capacity is available where offered by markets; E&S placement is an option for more complex or higher-exposure accounts. Key factors underwriters evaluate include claims history, types of services offered (e.g., diagnostic vs. surgical), total gross receipts, staff training, and equipment inventories. Complete submissions with loss runs, office protocols and equipment schedules typically receive faster review and placement. Territories and Availability This program is available to licensed agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Specific coverages and admitted options may vary by state and carrier, so confirm availability on a per-submission basis. Why Work With Colonial General As a Managing General Agency and E&S lines broker, Colonial General combines deep knowledge of healthcare exposures with broad market access to help you place optometry risks efficiently. The team focuses on responsive underwriting, pragmatic coverage solutions, and matching each submission with the most appropriate market. Example scenarios where this program fits well: You have a solo optometrist who needs professional liability, office property and equipment breakdown coverage for a new digital retinal camera. You represent a multi-doctor clinic expanding to a second location that requires combined GL, PL, business income and workers’ compensation placement. From start-ups to established practices, Colonial General supports agents with underwriting guidance and access to admitted and non-admitted solutions tailored to optometry operations. Frequently Asked Questions What types of accounts are a good fit for this program?Independent optometrists and small to mid-sized optometry practices with clean loss histories are an excellent fit. Multi-practitioner offices and clinics offering diagnostic services also qualify. What coverages are included in the Optometrist Insurance Program?The program includes Professional Liability, General Liability, Business Property, Employment Practices Liability, Equipment Breakdown, Business Income, and more. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Is this an admitted or non-admitted program?Colonial General offers access to both admitted and non-admitted markets, depending on the risk and state. What carriers does Colonial General work with for this program?Carrier availability varies. Colonial General matches each submission with an appropriate market based on underwriting guidelines and coverage needs. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Pawn Shop Insurance program specifically designed for businesses involved in lending money on personal property or purchasing personal items for resale. Whether your client operates a small independent pawn shop or a multi-location operation, this program provides flexible options for both Property and General Liability coverage on a mono-line or package basis. Ideal Accounts and Appetite This program is an excellent fit for retail pawn shops located in the Western U.S. that: Lend money on personal items left as collateral Buy and sell secondhand goods, jewelry, electronics, and collectibles Maintain on-premises inventory and safes Accounts with well-documented procedures for security, appraisals, and recordkeeping are considered favorably. We can accommodate both new ventures and established operations, though underwriting may vary depending on experience and loss history. Coverage Highlights and Advantages Property Coverage options include: Accounts Receivable Basic, Broad, or Special Form (Excluding Theft) Building—Replacement Cost or Actual Cash Value Business Income Business Personal Property—Subject to Evaluation Clause Computer Equipment Equipment Breakdown Outside Signs Valuable Papers Crime Coverage options include: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Commercial General Liability Coverage includes: Primary limits up to $3,000,000 Occurrence/Aggregate Hired and Non-Owned Auto coverage $5,000 Medical Payments—Included Additional Interests—Included at no charge Excess or Umbrella limits up to $25,000,000 No deductible required Contractual Liability Limitation Note: Products/Completed Operations coverage is excluded under this program. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to match the right market to each risk. While minimum premium requirements vary depending on coverage selections and risk characteristics, our underwriters are available to discuss submissions and tailor coverage packages to meet your clients' specific needs. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; however, non-admitted options may be used when needed to meet unique risk requirements. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and strong carrier relationships to help agents place specialty and hard-to-place risks. Our Pawn Shop Insurance program reflects our commitment to niche markets and underwriting expertise in retail operations with unique exposures. Agents benefit from responsive service, flexible underwriting, and access to multiple markets under one roof. For example, if you have a client with a pawn shop in downtown Denver that handles jewelry, electronics, and firearms, we can help you structure a package that includes property, crime, and liability coverage to protect their inventory and operations. Or, if your client recently opened a new pawn shop in Nevada and needs affordable liability coverage with optional crime enhancements, this program is well-positioned to deliver. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail pawn shops that lend money on personal items or purchase goods for resale. Stores with inventory, safes, and solid loss control practices are preferred. Is this program available in admitted markets?Yes, Colonial General offers both admitted and non-admitted options depending on the state and risk profile. Availability varies by carrier and coverage selections. Can I submit new ventures or startups?Yes, new pawn shop operations may be eligible. Underwriters will evaluate the owner's experience, business plan, and projected operations. Are package policies available?Yes, policies can be written on a mono-line or package basis. You can combine property, general liability, and crime coverage into a single policy. Which states is the Pawn Shop Insurance 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 for Pest Control Services Insurance: If you're an agent or broker placing pest control insurance, Colonial General Insurance Agency, Inc. offers a flexible, specialty solution. This program can be written on a mono-line or packaged basis and provides Property and Liability options tailored for pest control service providers. Eligible operations include detection and treatment of insect and animal infestations (for example rodents, birds, bats, raccoons), wildlife removal and fumigation, placement and removal of radon test canisters, and herbicide application. Ideal Accounts and Appetite This program fits pest control contractors and exterminators of all sizes — from single-crew residential operators to larger multi-crew commercial firms. Accounts that perform fumigation, wildlife removal, pest-related inspections (including wood-destroying organism inspections), radon testing, and pesticide/herbicide application are within appetite. High-hazard operations, unusual pollutants, or significant habitational risks may require additional underwriting review or alternative placement. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence / Aggregate Additional Interests: $100 each Blanket Additional Insured option: $250 Excess/Umbrella limits up to $25,000,000 Included Coverages: $5,000 Medical Payments Coverage Pesticide/Herbicide Applicator Coverage – policy limits Wood Destroying Organism Inspection – $25,000 per occurrence / $100,000 aggregate (higher limits available) In-Transit Pollution – $25,000 per occurrence / $100,000 aggregate Property Damage Extension (Care, Custody, Control) – up to $200,000 per occurrence / $300,000 aggregate Lost Key Coverage – $25,000 limit No deductible required A Loss Prevention Brochure is included to help insureds reduce common operational risks. Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form options Building and Contents Business Income Computer and Contractor’s Equipment Equipment Breakdown Outside Signs Replacement Cost or Actual Cash Value Valuable Papers Crime Coverage Available: Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes Colonial General works with a variety of carrier partners (varies by risk) and can place business admitted or non-admitted depending on state and the submission. There is no stated deductible for many liability features and competitive pricing options are available. Provide detailed loss history, equipment lists, pesticide/herbicide usage procedures, and any inspection or fumigation protocols with the submission to speed underwriting. Higher limits for WDO inspection and in-transit pollution can be quoted on request. Territories and Availability This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability and admitted/non-admitted options vary by state—contact Colonial General for market-specific details and carrier access. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings targeted expertise for niche commercial risks. Their pest control program combines flexible limits, specialized coverages (applicator and WDO inspection features), and underwriting that understands field exposures. Colonial General’s platform helps agents place accounts that may be difficult to bind in standard markets while offering loss control resources and responsive underwriting support. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include residential and commercial pest control operators, exterminators, wildlife removal contractors, companies that perform fumigation, radon test placement/removal, and businesses that apply herbicides. Is coverage available for wildlife control or fumigation services?Yes. Wildlife removal and fumigation are eligible but will be reviewed by underwriting to confirm scope of operations and any special controls needed. Are higher limits available for inspection or pollution coverage?Yes. Higher limits for Wood Destroying Organism inspections and In-Transit Pollution coverage can be quoted upon request based on the account’s exposures and loss history. Can I package Property and Liability together?Yes. Colonial General offers both mono-line and package (combined property and liability) options to match the client’s needs and simplify placement. Which states is this program available in?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Contact Colonial General for specific market availability within those states. Need help placing an account? Connect with a market specialist.