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Overview of the Program From Colonial General Insurance Agency, Inc. Colonial General’s Halfway House Insurance program is designed for agents placing property and liability coverage for health care and social service facilities that provide voluntary outpatient services and/or short-term or temporary stays. Available on a mono-line or packaged basis, the program combines commercial general liability, property, crime, and professional exposure options to address the mix of premises, operations and abuse/molestation risks typical of transitional care and community residential settings. Ideal Accounts and Appetite This program is a fit for facilities such as halfway houses, transitional living programs, sober living and outpatient treatment centers that offer voluntary, short-term stays and on-site services. Typical accounts include small to midsize facilities with limited medical procedures, structured supervision, and documented intake/monitoring processes. Generally acceptable: Voluntary outpatient treatment programs with temporary overnight stays Transitional residential programs and halfway houses Community support and social service facilities with on-site supervision Generally not a fit (examples): facilities providing long-term skilled nursing, inpatient acute psychiatric care, extensive surgical or inpatient medical procedures, or accounts with known regulatory or licensing issues. Underwriting will evaluate claims history, staffing, resident mix and supervision policies. Coverage Highlights and Advantages Colonial General offers broad limits and modular coverages that let you tailor policies to client exposure. Highlights include: Commercial General Liability — Primary limits up to $3,000,000 occurrence/aggregate Excess/Umbrella — Limits available up to $25,000,000 Additional interests coverage — $100 each Included coverages: Medical payments ($5,000), Errors & Omissions (professional liability) part, and Sexual & Physical Abuse coverage (up to $25,000 per claim/$50,000 aggregate; higher limits optional) Property coverage options — Accounts receivable, building, contents, business income, equipment breakdown, food spoilage, computer equipment, outside signs, valuable papers, replacement cost or ACV, and choice of basic, broad or special form Crime coverage — Inside the premises (theft of money and securities; robbery or safe burglary of other property) and Outside the premises These options help manage the common exposures for transitional care providers: third-party liability, abuse/molestation allegations, property loss and crime/theft risks tied to cash handling and communal settings. Underwriting Notes and Minimums Underwriting focuses on occupancy type, resident population, staffing levels, written policies (intake, supervision, medication control, background checks), and prior loss activity. A $500 minimum deductible is required. Appetite and terms vary by state and by market; Colonial General places accounts both admitted and non-admitted depending on available markets. Territories and Availability The program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted coverage is available in some markets; where admitted placements are not available, Excess & Surplus (non-admitted) options are offered. Carrier availability varies by submission and state. Why Work With Colonial General on Halfway House Accounts As a Managing General Agency and E&S broker, Colonial General combines targeted underwriting with access to multiple markets so you can place complex transitional care risks that standard markets may decline. The program’s modular structure lets you add property, crime, professional, and abuse/molestation limits to fit client exposures. Use this market when you need flexible limits, higher umbrella capacity, or specialty abuse coverage options for voluntary residential/social service facilities. Example scenarios You have a small transitional living home that needs primary liability, contents, and business income coverage after a prior property claim — the program can package property and liability with a $500 deductible. An outpatient treatment center that occasionally houses clients overnight needs sexual/physical abuse coverage and an excess umbrella — higher umbrella limits are available through Colonial General’s markets. Frequently Asked Questions What types of accounts are a good fit for the Halfway House Insurance program?Facilities providing voluntary outpatient services and short-term or temporary stays—such as halfway houses, transitional living, sober living, and similar social service programs—are the core appetite. Underwriting will confirm staffing, supervision and intake protocols. What liability and abuse coverage limits are available?Primary commercial general liability is available up to $3,000,000 occurrence/aggregate, with excess/umbrella capacity up to $25,000,000. Sexual and physical abuse coverage is included up to $25,000 per claim/$50,000 aggregate with higher optional limits available subject to underwriting. Is property and crime coverage available through this program?Yes. Property options include building, contents, business income, equipment breakdown, replacement cost or ACV, and more. Crime coverage for inside and outside the premises (theft, robbery, safe burglary, etc.) is also available. Need help placing an account? Connect with a market specialist.

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Apartment House Insurance Program from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a comprehensive Apartment House Insurance program designed for agents and brokers seeking reliable markets for habitational risks. With access to a variety of carriers and both admitted and non-admitted options (depending on the market), Colonial General provides tailored solutions for apartment buildings, rooming or boarding houses, and apartment hotels with five or more units. Ideal Accounts and Appetite This program is ideal for residential rental properties such as: Apartment buildings with 5+ units Boarding or rooming houses Apartment hotels Whether you're working with a property owner managing a small walk-up complex or a mid-sized investor with multiple properties, this program offers flexibility and broad eligibility. Accounts with solid maintenance history and professional property management are typically preferred. Coverage Highlights and Advantages Property Coverage Available: Basic, Broad, or Special Form Building and Contents Business Income Equipment Breakdown Computer Equipment Accounts Receivable Inland Marine Outside Signs Valuable Papers Replacement Cost or Actual Cash Value Commercial General Liability Coverage: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – included Additional Interests – included at no extra charge Hired and Non-owned Auto coverage Excess or Umbrella limits up to $25 million No deductible required Crime Coverage Options: Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises The program is available on a mono-line or package policy basis, offering flexibility depending on your client’s needs. Whether your insured is concerned about property damage, liability claims, or crime-related losses, you can deliver a complete solution through Colonial General’s markets. Underwriting Notes and Market Access Colonial General works with a range of carriers, allowing for broad underwriting flexibility. While some admitted markets are available, others may be placed on an E&S basis depending on property characteristics and location. No deductible is required for general liability coverage, and favorable pricing may be available for well-maintained properties with professional oversight. Territories and Availability This program is available to licensed producers placing business in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and deep market access to the habitational sector. Their responsive underwriting team understands the nuances of apartment house risks and helps agents place accounts that might not fit standard markets. From competitive umbrella limits to robust property and crime coverage, Colonial General equips you with the tools to meet your clients’ expectations. Whether you have a landlord client expanding their portfolio or a real estate investor with mixed-use buildings, this program offers the flexibility and strength you need to win and retain business. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment buildings with five or more units, rooming houses, boarding houses, and apartment hotels. Properties with professional management and good maintenance history are preferred. Is this program available on an admitted basis?Some admitted markets are available, but coverage may also be written on a non-admitted basis depending on the risk and location. Can I write liability coverage without property coverage?Yes, Colonial General offers both mono-line and package policy options, allowing you to customize coverage based on your client's needs. What limits are available for general liability?Primary general liability limits go up to $3 million per occurrence/aggregate, with excess or umbrella limits available up to $25 million. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

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Coverage Features for Mobile Home Insurance Optional Replacement Cost for homes up to 15 years old Comprehensive Coverage Covers wood stoves and corn burners Coverage for adjacent structures Competitive commissions available Suitable for owner-occupied, seasonal, rental, and tenant-occupied homes No photo required for homes 10 years old or newer Accepts vintage and older homes Increased Additional Living Expense Coverage New Food Spoilage Coverage Covers other structures more than 100 feet from the insured dwelling Optional Identity Fraud Expense Coverage Breakdown Endorsement Expands the mobile home insurance policy to include sudden and accidental failure of electrical and mechanical systems. Only $15 additional premium Standard $500 deductible Option to reduce deductible to $250 for an additional $30 Breakdown Endorsement Covers: Built-in systems and added components Central heating and cooling systems Home security systems Computer equipment Entertainment equipment (e.g., plasma TVs, satellite dishes) Many more items—if it’s plugged in, it’s likely covered! About This Program from J.M. Wilson J.M. Wilson offers a flexible and competitive Mobile Home Insurance program designed to meet the diverse needs of your clients. Whether you're working with an owner-occupied dwelling, seasonal use property, or mobile home used as a rental, this program provides the coverage solutions and underwriting support you need to place business with confidence. Ideal Accounts and Appetite We are currently seeing success with a wide range of mobile home accounts, including older and vintage homes, units with wood stoves or corn burners, and properties with auxiliary structures. Homes up to 15 years old may qualify for optional replacement cost coverage, and there’s no photo required for homes 10 years old or newer. If you have a client with a seasonal or tenant-occupied mobile home in need of standard or enhanced coverage, this program is a great fit. Underwriting Advantages and Service Our personal lines team prioritizes fast turnaround—most quotes are returned within 24 hours, often the same day. We offer direct bill options for many accounts, and our experienced underwriters are available to assist with online rating, phone quotes, coverage questions, and financing when needed. Territories and Carrier Access This program is available in multiple states, including AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. As a Managing General Agency and E&S Lines Broker, J.M. Wilson offers access to A-rated markets, both admitted and non-admitted, giving you the flexibility to place challenging or non-standard risks. Why Partner with J.M. Wilson? With decades of experience in specialty lines, J.M. Wilson is committed to putting customers first. Our knowledgeable team is here to help you solve problems, find underwriting solutions, and deliver the best options for your clients with speed and confidence. Whether you’re placing a basic mobile home or a complex seasonal rental with multiple structures, we’re ready to support you every step of the way. Frequently Asked Questions What types of mobile home risks are best suited for this program?This program works well for owner-occupied, seasonal, rental, and tenant-occupied mobile homes, including older or vintage homes and those with wood stoves or corn burners. Is replacement cost coverage available?Yes, optional replacement cost coverage is available for homes up to 15 years old, helping your clients protect their property investment more fully. What is the breakdown endorsement, and what does it cover?The breakdown endorsement adds coverage for sudden and accidental failure of mechanical and electrical systems, including central HVAC, home security systems, and entertainment equipment. Do I need to submit photos for every insured home?No, photos are not required for homes that are 10 years old or newer, simplifying the submission process for newer risks. In which states is this mobile home insurance program available?This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

With the legalization of medical and recreational marijuana in more and more states, the cannabis industry is poised for rapid growth and increased revenue opportunities for businesses. Your clients working in this sector face unique risks—and they need insurance solutions tailored to those exposures. Whether it’s property damage, theft, transportation incidents, or liability concerns, Cochrane & Company can help you secure the right Marijuana Insurance coverage for your clients. Specialized Coverage for a Specialized Industry Cochrane & Company offers a comprehensive Marijuana Insurance program designed specifically for businesses in the medical and recreational cannabis space. From dispensaries to grow operations and infused product manufacturers, we understand the complex needs of these operations and provide access to carriers and coverage options that address their risks. Key Coverages Available Our program includes a wide range of coverages that can help protect your client’s business in the event of loss or liability: • Products Liability • Equipment Breakdown • Accounts Receivable • Valuable Papers • Money and Securities • Government Actions Reimbursement • Property Coverage • Buildings • Tenant Improvements • Finished Stock • Business Personal Property • Transportation – including transit from grower to dispensary or dispensary to patient These coverages are designed to address the real operational risks cannabis businesses face every day. Target Classes We Serve We work with a wide variety of cannabis-related businesses, including: • Indoor Crop • Schools • Testing Labs • Dispensaries • Retail Outlets • Lessors Risk for Landlords to Marijuana Facilities • Growing Operations (Indoor and Outdoor) • Greenhouses • Bakeries • Hydroponic Stores • Infusion Centers • Edible Manufacturers If you have a client operating in one of these sectors, we may be able to provide a tailored insurance solution through our program. Program Availability and Underwriting Our Marijuana Insurance program is available in the following states: AK, AZ, AR, CA, CO, CT, FL, HI, IL, LA, ME, MD, MA, MI, MN, MT, NV, NH, NJ, NM, NY, ND, OH, OR, PA, RI, VT, and WA. Admitted products are available in some states. This program is underwritten through select markets that understand the evolving cannabis landscape. Whether your client is just entering the market or expanding operations, we can help you find the right fit across our carrier relationships. Why Work With Cochrane & Company? As a Managing General Agency with deep experience in placing cannabis-related risks, Cochrane & Company provides the expertise, market access, and service you need to confidently serve clients in this high-growth sector. We’re here to help you navigate the complex underwriting and compliance challenges of this industry and deliver customized insurance solutions that meet your clients’ needs. We are happy to answer any questions you may have and help you get appointed with Cochrane & Company. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed cannabis-related businesses such as dispensaries, indoor and outdoor grow operations, edible manufacturers, testing labs, and landlords leasing to marijuana facilities. Is coverage available for transportation of cannabis products?Yes, our program includes transportation coverage, including transit from growers to dispensaries and from dispensaries to patients. Which states is this program available in?The Marijuana Insurance program is available in over 30 states, including CA, CO, FL, IL, MA, MI, NY, OR, and WA. Availability may differ by coverage type. Are admitted markets available?Yes, admitted markets are available in some states, depending on the type of coverage and the location of the risk. How can I get appointed to access this program?Contact Cochrane & Company directly to begin the appointment process and gain access to our cannabis insurance markets. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Cabinet Making Insurance program tailored to woodworking operations of all sizes. Whether your client builds custom cabinets, fabricates doors and windows, or manufactures furniture, this program provides flexible coverage solutions to protect property, liability, equipment, and crime exposures. Coverage can be written on a mono-line or package basis, allowing you to tailor the policy to your insured’s risk profile and operations. Ideal Accounts and Appetite This program is designed for cabinet makers and other woodworking businesses involved in the manufacture, installation, or repair of wood products. Ideal risks include: Small to mid-sized cabinet manufacturing shops Custom woodworking contractors Furniture fabricators Window and door makers The program accommodates single-location workshops as well as contractors with multiple field crews. It is best suited for operations that perform fabrication, finishing, on-site installation, and light to moderate finishing processes. Accounts with extensive heavy manufacturing, high-hazard finishing (e.g., large industrial spray operations without proper controls), or significant outsourced subcontracting should be submitted with full details for underwriting review. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto Liability included Standard included coverages: Medical Payments – $5,000 limit Additional insureds for contractors and project owners Excess or Umbrella limits available up to $25,000,000 Minimum deductible of $500 required Property Coverage Options: Building and contents Business income and interruption Contractors’ equipment and tools Equipment breakdown Installation floaters for on-site work Outside signs Valuable papers and accounts receivable Bailees’ customer coverage Basic, Broad, or Special form options Replacement cost or actual cash value valuation Crime Coverage Options: Inside the premises – theft of money and securities Robbery or safe burglary of property inside the premises Outside the premises coverage for transit exposures Underwriting Notes and Market Access Colonial General places cabinet making and woodworking risks with a variety of admitted and excess & surplus markets. Submission review is case-by-case to ensure appropriate placement and terms. Typical underwriting considerations include the client’s loss history, finishing processes, fire protection and sprinklers, storage of flammable materials, spray booth controls, tools and equipment values, and installation exposure. A minimum deductible of $500 applies. Territories and Availability This Cabinet Making 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? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides underwriting experience and broad market access for niche and hard-to-place woodworking risks. They combine specialty product knowledge with flexible placement options—admitted where available and E&S where necessary—to help you secure appropriate coverage for challenging accounts. Their platform supports package or monoline placements and can layer excess or umbrella capacity when higher limits are needed. Example accounts that fit well with this program: A single-location custom cabinet shop that fabricates, finishes, and installs cabinets and needs property, equipment, and installation floater coverage for on-site work. A regional millwork contractor with crews in the field that requires hired/non-owned auto liability, contractor’s equipment coverage, and additional insured endorsements for project owners. For more information about Colonial General Insurance Agency, Inc., visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for cabinet makers, custom woodworking shops, furniture builders, and businesses that manufacture or install doors and windows. Is this program available on an admitted basis?Some markets are admitted depending on the account and state. Colonial General has access to both admitted and non-admitted carriers to meet client needs. Can I write this coverage as a package policy?Yes. Coverage can be issued on a mono-line or package basis to give you flexibility in structuring the policy. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the liability coverage?Primary general liability limits are available up to $3,000,000 occurrence/aggregate, with excess or umbrella options up to $25,000,000. Need help placing an account? Connect with a market specialist.

Policy Highlights for Special Events: Colonial General Insurance Agency, Inc. offers a dedicated Special Events Insurance program that helps agents and brokers place short-term event risks with flexible underwriting and wide coverage options. Whether your client is staging a small neighborhood fundraiser or a large public festival, this program supports tailored Property and Liability solutions on a mono-line or package basis. Ideal Accounts and Appetite This program fits a broad variety of temporary and seasonal events, including: Art and craft shows Bazaars and exhibitions Concerts and dances Festivals and fairs Bicycle and running events Christmas tree lots and pumpkin patches Firework displays and stands Haunted houses Meetings and trade shows Programs are designed for events with moderate to high foot traffic, temporary structures, rented equipment, and food or alcohol service. Coverages can be tailored to include liquor liability and crime exposures when needed. Example scenarios: You have a client running a three-day street festival with food vendors and live music — coverage can include general liability, liquor liability for vendor sales, and inland marine for rented equipment. You represent a nonprofit planning a one-day charity run with temporary road closures and high participant counts — the program can provide high occurrence limits and medical payments coverage to manage participant exposures. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence/Aggregate Liquor liability available for qualifying events Medical payments included—$5,000 limit Excess/Umbrella capacity up to $25,000,000 No deductible required in many cases Property Coverage: Building and contents for temporary structures Business income and equipment breakdown Computer equipment and outside signs Food spoilage and inland marine for transported or rented items Valuable papers and accounts receivable Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value options Crime Coverage: Inside the premises—Theft of money and securities Inside the premises—Robbery or safe burglary of other property Outside the premises coverage for in-transit exposures Underwriting Notes and Market Access Colonial General works with multiple admitted and non-admitted markets to provide flexible placement options. Underwriting emphasizes the specific exposures of each event—attendance, alcohol service, vendor operations, temporary structures, and security plans are key factors. There is no required minimum deductible, and submissions are streamlined for quick quoting and binding. Contact Colonial General to confirm carrier availability and appetite for higher-risk or high-attendance events. Territories and Availability This Special Events program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise with broad market access. Agents benefit from a responsive underwriting team, multiple carrier options (admitted and non-admitted where available), and experience placing complex or nonstandard event risks. Colonial General can help you structure limits and endorsements to match each event’s risk profile and deliver turnkey proposals to your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?Temporary and seasonal events—festivals, fairs, concerts, art shows, haunted houses, and food/beverage events—are a strong fit, including those requiring liquor liability. Can I get liquor liability coverage for events that serve alcohol?Yes. Liquor liability is available for qualifying events where alcohol is served or sold; underwriting will evaluate service method, controls, and vendor operations. Is there a minimum premium requirement for this program?Minimums vary by event type, location, and coverages selected. Reach out to Colonial General for specific underwriting thresholds and quick premium guidance. Which states is this program available in?This Special Events Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. How quickly can coverage be bound for a special event?Colonial General offers a streamlined submission and quoting process for most event risks, enabling fast turnaround on quotes and binding when required documents are provided. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a tailored Employment Practices Errors and Omissions (E&O) Insurance solution designed to protect your clients from the growing risks tied to employment-related claims. Whether you're working with small businesses, professional offices, or mid-sized organizations, the potential for costly legal challenges due to hiring, firing, or workplace conduct is ever-present. Our program offers a flexible and competitive market that helps you meet the unique needs of your insureds. Overview of the Program From Colonial General Colonial General provides access to affordable and comprehensive E&O coverage for Employment Practices Liability (EPL), available through select admitted and non-admitted markets. As a Managing General Agency and Excess & Surplus Lines Broker, we understand the complex and evolving landscape of employment-related exposures. Our program is structured to help agents and brokers secure reliable protection for clients facing risks such as wrongful termination, discrimination, harassment, and other workplace-related claims. Ideal Accounts and Appetite This program is a strong fit for a wide range of businesses with potential exposure to EPL claims, including but not limited to: Professional services firms (e.g., legal, accounting, consulting) Retail businesses and hospitality operations Healthcare offices and clinics Light manufacturing and distribution companies Non-profits and member-based organizations We can consider risks with various employee counts and exposure levels. You might have a client operating a regional law office or a growing medical clinic—both can benefit from E&O coverage embedded with strong employment practices protection. Coverage Highlights and Advantages Flexible limits and deductible options available Coverage can be packaged with Directors & Officers (D&O) liability Defense costs can be included within or outside of policy limits, depending on carrier Coverage for full-time, part-time, and seasonal employees Access to risk management tools and legal support resources (varies by carrier) Premiums are based on key underwriting factors such as the number of employees and the nature of the business operations. Underwriting Notes and Minimum Premiums Our underwriters evaluate submissions based on the size and scope of the business, prior claims history, HR practices in place, and industry classification. While minimum premiums vary by carrier and risk profile, we are committed to offering competitive pricing options for qualifying accounts. Territories and Availability This Employment Practices Errors and Omissions 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) Admitted products are available in select markets, while non-admitted options may be offered depending on the risk. Why Work With Colonial General? Colonial General brings decades of wholesale and MGA experience to the table. Our deep market access and underwriting expertise allow us to help agents place hard-to-place or niche risks with confidence. We offer personalized service, quick turnaround times, and the ability to customize solutions to meet the needs of diverse clients. Whether your client is facing a heightened risk environment or simply needs a thorough EPLI policy as part of their risk management plan, Colonial General is here to help. Frequently Asked Questions What types of accounts are a good fit for this program?We typically write small to mid-sized businesses across professional services, healthcare, retail, light manufacturing, and nonprofits with exposure to employment-related claims. Can this policy be packaged with other coverages?Yes, Employment Practices E&O coverage can be packaged with Directors & Officers (D&O) liability and other management liability products when appropriate. Are both admitted and non-admitted markets used?Yes, we access both admitted and non-admitted markets depending on the risk profile and state availability. What underwriting information is needed for a quote?Typical submissions should include a completed application, number of employees, business description, loss history, and details about HR policies and procedures. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.