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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Beverage Manufacturing Insurance program designed for agents and brokers seeking tailored coverage solutions for beverage manufacturers and processors. Whether your client is producing non-alcoholic beverages, craft sodas, or alcoholic drinks such as beer or spirits, this program provides flexible and comprehensive protection for a wide range of exposures in the beverage industry. Ideal Accounts and Appetite This program is ideal for small to mid-sized beverage manufacturers and processors operating in the western U.S. We consider accounts involved in: Non-alcoholic beverage bottling (juices, soft drinks, flavored water, etc.) Craft breweries or distilleries (subject to eligibility) Private label beverage production Specialty or organic beverage processing We work with agents to evaluate specific classes and can help place both standard and more complex risks through our access to admitted and non-admitted markets. Coverage Highlights and Advantages Coverages are available on a monoline or package basis and can be customized to fit the insured’s operational needs. Key features include: Commercial General Liability Primary limits up to $3,000,000 Occurrence / Aggregate Hired and Non-Owned Auto Liability Liquor Liability (for applicable beverage producers) $5,000 Medical Payments – included Vendors as Additional Insureds Limited Product Withdrawal Expense – $5,000 limit included Excess or Umbrella Limits up to $25,000,000 Crime Coverage Inside the Premises – Theft of Money and Securities Robbery or Safe Burglary of Property Inside the Premises Outside the Premises Coverage Property Coverage Building and Business Personal Property Business Income and Extra Expense Computer Equipment and Valuable Papers Accounts Receivable Equipment Breakdown Food Spoilage – $5,000 limit included (higher limits available) Replacement Cost or Actual Cash Value Outside Signs Basic, Broad, or Special Form options Underwriting Notes and Minimum Premiums Colonial General’s underwriting team evaluates each submission on a case-by-case basis. While no specific minimum premium is listed, competitive pricing is available depending on risk characteristics, coverage needs, and market availability. Liquor liability, product withdrawal expense, and spoilage coverage offer built-in value for beverage production accounts. Territories and Availability This Beverage Manufacturing 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) We offer access to both admitted and non-admitted markets depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche middle-market commercial lines. We are committed to helping independent agents find the right fit for their beverage manufacturing clients—even those with unique or challenging exposures. With access to a variety of carriers and flexible underwriting, we work closely with agents to deliver timely quotes and comprehensive solutions. Whether your client is launching a new beverage line or expanding production, Colonial General is ready to help you place and service these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for beverage manufacturers and processors, including soda bottlers, juice companies, and select alcoholic beverage producers such as craft breweries and distilleries. Is Liquor Liability included in the coverage?Yes, Liquor Liability coverage is available for eligible accounts that manufacture or distribute alcoholic beverages. Can I submit a monoline General Liability or Property policy?Yes, both monoline and package policies are available depending on the insured’s needs and underwriting criteria. What states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are additional insured endorsements available for vendors?Yes, vendors can be added as additional insureds under the General Liability coverage. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible Warehouse Insurance program for public and private warehouse operations, including mini-warehouses. With access to multiple admitted and non-admitted markets across the Western U.S., this program helps agents place comprehensive liability, property, and crime coverage tailored to warehouse exposures. Overview of the Program From Colonial General This Warehouse Insurance program is structured to provide Property and Commercial General Liability coverage on a monoline or package basis. Whether your insured operates a small private storage facility or a larger public warehouse, Colonial General combines underwriting expertise with market access to place accounts that need flexible terms and broad coverage. Ideal Accounts and Appetite Target classes include: Public warehouse operators Private storage facilities (including mini-warehouses) Logistics and distribution centers Facilities with incidental office or light manufacturing exposures Preferred risks typically have clear risk-management practices, documented security and inventory controls, and well-maintained premises. Risks involving significant hazardous materials, heavy manufacturing operations, or large cold-storage inventories may be outside the program's appetite or require specialty placement. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate $5,000 Medical Payments included Excess or Umbrella limits available up to $25,000,000 No deductible required for GL in many markets Crime Coverage: Theft of money and securities (inside the premises) Robbery or burglary of other property (inside the premises) Coverage for losses occurring outside the premises Property Coverage: Building and contents (usually for private warehouses) Business income and equipment breakdown Accounts receivable and valuable papers Computer equipment and inland marine for stored goods/movable equipment Outside signs Replacement cost or actual cash value options Forms available: Basic, Broad, or Special Underwriting Notes Colonial General works directly with agents to structure competitive quotes and appropriate coverage. Underwriting reviews generally focus on inventory controls, security and surveillance, fire protection, and tenant/occupancy exposures. Minimum premium requirements vary by carrier and state; agents should expect variability depending on the specific market selected. Territories and Availability This program is available to licensed agents in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets within the program are offered on an admitted basis, while others are placed non-admitted when needed to secure capacity. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents access to a broad panel of underwriters experienced with warehouse exposures. Their strengths include responsive underwriting, flexibility between admitted and non-admitted markets, and tailored program placement for complex or specialized risks. Example scenarios that fit well: You have a mid-sized private warehouse in Colorado storing consumer goods with controlled access and sprinkler protection — Colonial General can help package property, business income, and liability in one submission. An agent needs liability and excess limits for a public storage operator in California with moderate inventory values and robust security procedures — the program can provide higher GL and umbrella capacity. To review carrier appetite, submission requirements, or to start a quote, visit Colonial General’s company profile. Frequently Asked Questions What types of accounts are a good fit for this Warehouse Insurance program?This program is ideal for public and private warehouse operations, including mini-warehouses, logistics centers, and storage facilities that handle non-hazardous goods. Is this coverage available on an admitted basis?Some markets are available on an admitted basis, depending on the state and risk characteristics. Colonial General also uses non-admitted carriers when admitted capacity is not available or when higher limits are needed. Can I get coverage for both liability and property in one policy?Yes. Policies can be written on a monoline or package basis, allowing you to combine General Liability and Property coverage to meet your client's needs. Are contents covered for both public and private warehouses?Contents coverage is commonly available for private warehouse risks. For public warehouses, contents options depend on the carrier and the specific exposure; discuss the inventory handling and lease arrangements with the underwriter. What states is this program available in?The Warehouse Insurance 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: Colonial General Insurance Agency, Inc. offers a focused Alarm and Car Stereo Installation Insurance program built for professionals who install vehicle alarms, stereo and audio-visual systems, and related electronics. The program is designed for both fixed-site shops and mobile installers, addressing the specific liability and garage exposures that arise when technicians work on customer vehicles or transport them for service. Overview of the Program From Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents and brokers with access to broad garage-related liability markets and specialty programs. This Alarm and Car Stereo Installation program fills gaps left by standard general liability by combining garage liability, Garage Keepers protections, and optional property and physical damage coverages — useful for accounts handling high-value vehicles, aftermarket electronics, or mobile operations. Ideal Accounts and Appetite This program is best for contractors and businesses that focus on installation and service rather than manufacturing or wholesale distribution. Typical classes include: Automobile alarm and security system installers Car stereo, navigation and in-car audio-visual system installers Shops that perform aftermarket electronic upgrades and integrations Mobile installation and on-site service providers Preferred accounts have clear safety protocols, secure storage for customer vehicles and equipment, and a clean or manageable loss history. Accounts that primarily manufacture electronics, operate large-scale retail distribution, or present unusual garage exposures should be discussed with underwriters before submission. Coverage Highlights and Advantages Commercial Garage coverages available include: Aggregate liability capacity up to $3,000,000 Garage liability limits up to $1,000,000 per occurrence Medical payments coverage (example: $5,000 available) Garage Keepers coverage on a primary basis with specified causes of loss Fire legal liability and Dealers Physical Damage options False pretense coverage and broadened coverage endorsements In-transit coverage for towing and vehicle movement exposures Optional property coverage for business personal property and tools These features are intended to protect your insureds from exposures such as customer-vehicle damage during installation or test drives, theft of installed equipment, fire or vandalism at the premises, and liability arising from installation errors. Underwriting Notes and Minimum Premiums Colonial General works with multiple admitted and non-admitted carriers to match coverage to account complexity. Admitted options are available in select states, with E&S placements used where appropriate. Minimum premiums vary by carrier, state, and risk characteristics; accounts with documented safety programs, secure storage practices, and a favorable claims history will generally receive the most competitive terms. For higher-risk or larger accounts, expect additional underwriting requirements such as inventories, photos of premises and vehicles, and written procedures for mobile operations. Territories and Availability This program is currently offered in: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Admitted availability varies by state and carrier. Contact Colonial General to confirm admitted vs. non-admitted placement options for a specific submission. Why Work With Colonial General Colonial General specializes in garage and auto-related niche programs, giving agents access to underwriting expertise and markets that understand the unique risks of aftermarket electronics and mobile installers. Their capacity to place both admitted and non-admitted business, plus flexible coverages like Garage Keepers on a primary basis and in-transit protection, makes this program a practical option for accounts that are difficult to place in standard markets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a strong fit for businesses that install car alarms, stereos, navigation and other aftermarket electronics — including both fixed-location shops and mobile installation services. Is Garage Keepers Coverage included?Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss to protect customer vehicles while in the installer’s care, custody, and control. Are mobile installers eligible for coverage?Yes. Mobile installers are eligible and can be offered in-transit coverage for towing or vehicle movement exposures when applicable; underwriting will review mobile procedures and security controls. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted market availability varies by state and carrier. Can I access both admitted and non-admitted markets through Colonial General?Yes. Colonial General places business in both admitted and non-admitted markets depending on the state and specific account needs. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Overview — Colonial General Insurance Agency, Inc. Swimming Pool Contractors Insurance Colonial General Insurance Agency offers a focused program for swimming pool contractors, installers, maintenance providers and pool management operations. As an MGA and Excess & Surplus lines broker, Colonial General places mono-line or package Property and Liability coverages through a variety of admitted and non-admitted markets (admitted paper is available in some markets). This program is designed for independent agents who need flexible limits, specialty endorsements for pool exposures, and access to umbrella/excess capacity. Ideal Accounts and Appetite Residential and small commercial pool builders and installers Pool service and maintenance contractors (weekly service, chemical application) Pool dealers and equipment installers Community and private pool management firms (including lifeguard operations) Per-project contractors working on single-site or small multi-site installations Typical accounts have straightforward install/maintenance operations, licensed contractors, and standard safety procedures. The program is not intended for large water parks, major aquatic complexes, or highly activated public municipal pools with significant spectator exposures — contact the MGA for borderline or larger accounts. Coverage Highlights and Advantages Commercial General Liability: Primary limits available up to $3,000,000 (Occurrence and Aggregate) $5,000 Medical Payments coverage included Chemical Applicator coverage included at policy limits (for accounts that apply pool chemicals) Excess / Umbrella capacity up to $25,000,000 where available Pool-specific endorsements and sub-limits: Pool “Pop-Up” coverage — typical sub-limits $50,000 / $100,000 (higher limits may be available) Lost Key coverage — $25,000 liability limit for maintenance or management classes Sexual / Physical Abuse sub-limits — $25,000 / $50,000 for management/lifeguard operations (higher limits available on request) Limited Participant Coverage and Errors & Omissions (E&O) — available for qualifying management accounts Property options: Basic, Broad or Special form; Building, Business Income, Contents, Equipment Breakdown; Replacement Cost or ACV Crime coverage: inside/outside premises, theft of money & securities, robbery/safe burglary options Included risk controls: Additional Insureds and Waiver of Subrogation endorsements for contractor relationships and project work Underwriting Notes Underwriting focuses on contractor experience, licensing, training for chemical handling, client type (residential vs. commercial), and safety procedures for lifeguard/management operations. Per-project aggregate and limits for project-based contractors are available; provide project values and contract terms with submission. Claims history, subcontractor controls, and written procedures for pool chemicals and lifeguard training materially affect pricing and terms. Carriers and terms vary by state and individual risk — Colonial General will guide you to admitted or E&S placement depending on availability and account specifics. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted capacity exists in some markets; otherwise risks are placed non-admitted through E&S carriers. Availability and forms differ by state — confirm market placement and capacity for each submission. Submission Checklist & Example Scenarios To speed placement, include: Completed application describing operations, payroll, receipts and number of pools serviced/installed Loss runs (3–5 years preferred) Copies of standard contracts and subcontractor agreements Safety and chemical handling procedures, lifeguard certification details if applicable Example scenarios: A local residential pool builder who installs fiberglass and gunite pools for single-family homes — needs CGL with per-project aggregate and limits up to $1–2M, plus installer’s property coverage for tools and equipment. A community pool management company that provides lifeguards for homeowner associations — needs liability with sexual/physical abuse sub-limits, limited participant coverage, and E&O protections for programming decisions. Why Place This Business With Colonial General Specialized underwriting for pool contractors and management exposures Access to admitted and E&S markets and high excess capacity where required Policy forms and endorsements tailored to pool-specific risks (chemical applicator, pop-up events, lost key, etc.) Responsive MGA placement and support for complex or multi-state accounts Frequently Asked Questions What types of pool-related businesses are a good fit for this program?Residential and small commercial pool builders, maintenance and service contractors, dealers/installers, and pool management firms with standard lifeguard programs are prime fits. Large aquatic parks and high-spectator venues typically do not fit this program. Are admitted policies available or is coverage only non-admitted?Colonial General places business in both admitted and E&S markets. Admitted options are available in some states/markets; if admitted capacity is not available for a particular risk, the program can place coverage through non-admitted carriers. What underwriting information helps secure the best terms?Provide recent loss runs, detailed descriptions of operations (installation vs. maintenance), contracts and subcontractor controls, chemical handling procedures, and lifeguard certification/training records for management accounts. These items help underwriters assess risk and offer appropriate limits. Need help placing an account? Connect with a market specialist.

Policy Highlights for Solar Energy Insurance: Colonial General Insurance Agency, Inc. offers a specialized Solar Energy Insurance program designed for agents and brokers placing coverage for clients in the renewable energy space. This program provides flexible property and liability solutions—available on a mono-line or package basis—to support the growing needs of solar and wind energy professionals. Ideal Accounts and Appetite This program is an excellent fit for: Solar energy contractors and installers Solar and wind energy generating facilities Wind energy contractors Whether your client builds, installs, or operates renewable energy systems, this program offers broad coverage options tailored to the unique exposures of the clean energy industry. Example accounts include a solar contractor expanding into utility-scale projects or a wind farm operator needing robust liability coverage for new installations. Coverage Highlights and Advantages Commercial General Liability Coverage Primary limits up to $3 million per occurrence/aggregate Excess or Umbrella limits available up to $25 million Included Coverages: Blanket Additional Insureds—when required by contract, agreement, or permit Primary and Noncontributory wording for additional insureds (CG 20 33) Blanket Waiver of Subrogation—when required by prior written agreement Per Project Aggregate Medical Payments—$5,000 limit Crime Coverage Theft of money and securities inside the premises Robbery or safe burglary of other property Coverage for property outside the premises Property Coverage Building, Business Personal Property, and Business Income Accounts Receivable and Valuable Papers Computer Equipment and Contractors’ Equipment Inland Marine and Outside Signs Basic, Broad, or Special Form coverage Replacement Cost or Actual Cash Value options Underwriting Notes Colonial General works with a variety of carriers to offer tailored solutions. Some markets are admitted, while others operate on a non-admitted basis, depending on the state and risk characteristics. This program is built for flexibility, accommodating a wide range of risk sizes and profiles. 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 Insurance Agency, Inc.? As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche commercial programs. Agents and brokers benefit from responsive service, access to multiple carrier options, and tailored underwriting for renewable energy risks. With flexible coverage structures and expansive state availability, Colonial General is a reliable partner for placing solar and wind energy accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for solar and wind energy contractors, installation companies, and energy-generating facilities. Can I write mono-line coverage or do I need to package it?Coverage is available on a mono-line or package basis, depending on your client’s needs and risk profile. Are admitted markets available for this program?Some admitted markets are available, but availability may vary by state and account type. Non-admitted options are also offered. What limits are available under the general liability coverage?Primary liability limits up to $3 million per occurrence/aggregate and excess/umbrella limits up to $25 million are available. In which states is this program available?The Solar Energy Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.