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Policy Highlights for Private School Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Private School Insurance program tailored for agents and brokers looking to place educational institution accounts. This program is designed for private elementary, middle, and high schools, as well as private technical, trade, and vocational schools that provide job-specific certification. Learning centers and tutoring services are also eligible, making this a versatile solution for a wide range of educational clients. Ideal Accounts and Target Classes This program is best suited for: Private K-12 schools with structured curriculums Vocational and trade schools offering certifications Private technical institutions and career-focused training centers Supplemental learning centers and tutoring facilities Whether your client operates a large private school or a small specialized training center, Colonial General can help provide tailored coverage solutions. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 per occurrence and aggregate Errors and Omissions coverage for teaching staff Medical payments coverage included—$5,000 limit Sexual and Physical Abuse coverage—$25,000 per claim / $50,000 aggregate included Excess or umbrella limits available up to $25,000,000 No deductible required Property Coverage Options: Building and contents coverage with replacement cost or actual cash value Business income protection Electronic data processing and equipment breakdown Accounts receivable and valuable papers Food spoilage and outside signs Forms available: Basic, Broad, or Special Crime Coverage Options: Theft of money and securities inside the premises Robbery or safe burglary of other property inside the premises Certain coverages available for losses occurring outside the premises Underwriting Notes and Program Access Coverages can be written on a mono-line or package basis, giving you flexibility based on your client’s risk profile. No deductible is required for general liability, and various property and crime coverages can be customized per account needs. The program is placed through various carriers depending on risk, with some admitted options available. Available States This program is available to agents and brokers placing risks in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General? Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in niche markets like private education. Their strategic carrier relationships and underwriting experience allow them to handle both standard and hard-to-place risks efficiently. Agents benefit from responsive service, flexible underwriting, and access to competitive markets for educational institutions. For example, if you have a client running a private culinary school offering certification programs, or a tutoring center expanding into multiple locations, Colonial General can help you build the right coverage package to protect those operations effectively. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for private K-12 schools, vocational and trade schools, technical training centers, and tutoring or learning centers that offer structured curriculums or certifications. Can I write mono-line coverage or does it have to be a package?You can write coverage on a mono-line or package basis, depending on your client’s needs and exposures. Is this program available on an admitted basis?Some markets are admitted, but availability depends on the specific risk and location. Colonial General will help determine the best placement. What limits are available for general liability?Primary general liability limits are available up to $3,000,000 per occurrence and aggregate, with excess and umbrella limits up to $25,000,000. 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.

Policy Highlights for Medical Equipment Supply Stores Insurance: Colonial General Insurance Agency, Inc. provides targeted insurance solutions for medical equipment supply stores, including businesses that sell, rent, or lease home health care products and provide delivery or in-home setup. This program is built for agents and brokers who need flexible property, liability, and professional liability options for clients handling durable medical equipment (DME), oxygen supplies, mobility aids, hospital beds, and similar products. Ideal Accounts and Appetite The program focuses on small- to mid-sized operations whose primary business is retailing, renting, leasing, delivering, or servicing home medical equipment. Eligible account types commonly include: Medical equipment rental and leasing stores Home health equipment dealers and suppliers Retailers of oxygen tanks, hospital beds, wheelchairs, scooters, and related products Accounts that combine retail sales, delivery, installation, and ongoing service or maintenance are a particularly good fit. Typical fits include single-location dealers and multi-location independents with local delivery routes. Accounts that generally do not fit include large national distributors, heavy manufacturing operations, or businesses with significant on-site medical procedures. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $1,000,000 per occurrence / $3,000,000 aggregate $5,000 in medical payments—automatically included Errors & Omissions (E&O) available up to policy limits to address professional liability exposures from fitting, setup, or advice Excess/Umbrella limits accessible up to $25,000,000 No liability deductible required Optional additional insured endorsements available for $100 each Crime Theft of money and securities inside the premises Robbery and safe burglary coverage for other property Coverage can extend to certain incidents occurring away from the premises Property Available on Basic, Broad, or Special Form Building, contents, inventory, and computer equipment Business income and equipment breakdown coverage options Accounts receivable and valuable papers Outdoor signs and replacement cost options Underwriting Notes and Minimum Premiums Policies can be written mono-line or as packaged programs so you can tailor limits and coverages to the account. Colonial General underwrites these risks through multiple carrier partners; appetite and terms vary by carrier and state. While minimum premiums differ by market and risk characteristics, this program is positioned to be competitive for common small-business profiles. Territories and Availability This program is available in the Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General places business in both admitted and non-admitted markets depending on the state and the client’s risk profile — admitted options are available in some states, with excess & surplus solutions used where appropriate. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple markets. Their team understands exposures common to medical equipment suppliers—product and premises liability, professional liability from medical device setup, property exposures from inventory and oxygen tanks, and business interruption—so you can place accounts efficiently with terms that reflect the risk. Examples you might place through this program: A single-location DME dealer that rents hospital beds and provides same-day delivery and setup for local customers. An independent retailer that sells oxygen supplies and offers routine maintenance and in-home equipment checks across several nearby counties. Whether your client is a storefront operator with delivery routes or a multi-location supplier, Colonial General offers underwriting flexibility and market access to help you secure appropriate coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Businesses that rent, sell, or lease home medical equipment—such as wheelchairs, oxygen machines, or hospital beds—are ideal candidates. Accounts that combine retail operations with delivery, installation, or servicing are especially well-suited. Is Errors and Omissions (E&O) coverage included?E&O coverage is available as part of the program and can be written up to the policy limits to address professional liability exposures from product setup, fitting, or advice. Are mono-line or package policies available?Yes. Colonial General offers the flexibility to bind mono-line property or liability policies or combine coverages into a tailored package to meet client needs. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted options depends on the state and the chosen carrier. What carrier options are available?Colonial General works with a variety of carriers and can place risks in admitted or excess & surplus markets depending on the account’s characteristics and the preferred placement strategy. Need help placing an account? Connect with a market specialist.

Mobile Home Park Insurance Program from Colonial General Insurance Agency Colonial General Insurance Agency, Inc. offers a specialized Mobile Home Park Insurance program designed to help independent agents and brokers place coverage for a range of mobile home and RV park risks. Whether your clients operate permanent mobile home parks, seasonal RV parks, or year-round campgrounds, this program provides flexible solutions with both property and liability options available on a monoline or package basis. Ideal Accounts and Classes This program is well-suited for: Mobile home parks (both permanent and tourist-based) Recreational vehicle (RV) parks Campgrounds with short- or long-term guest stays Typical accounts include family-owned parks, regional park operators, and seasonal sites. You might have a client with a multi-acre RV park in Arizona catering to snowbirds or a mobile home community in Utah with permanent residents—both are excellent fits for this program. Coverage Highlights and Advantages Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown Food Spoilage Inland Marine Outside Signs Replacement Cost or Actual Cash Value Valuable Papers General Liability Coverage Includes: Primary limits up to $3,000,000 occurrence/aggregate $5,000 Medical Payments Coverage – Included Blanket Additional Insureds – Included Liquor Liability (where applicable) Hired and Non-Owned Auto Liability Excess or Umbrella limits up to $25,000,000 No liability deductible required Crime Coverage Options: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property Losses Outside the Premises Underwriting Notes Colonial General underwrites through a variety of carriers and offers access to both admitted and non-admitted markets, depending on the risk profile and state. This flexibility allows you to place both standard and harder-to-place risks efficiently. While minimum premium requirements vary by carrier, the underwriting team will work closely with you to review submissions and explore viable options for your accounts. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General maintains a strong regional focus in the Western U.S., making them a reliable partner for agents working in these territories. Why Work with Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker with deep experience in specialty property and liability risks, Colonial General provides access to a wide range of markets and strong underwriting support. Their expertise in the mobile home park and RV park segment allows you to deliver tailored coverage solutions for your clients while streamlining the placement process. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile home parks (permanent or tourist-based), RV parks, and campgrounds, including both seasonal and year-round operations. Is coverage available on an admitted or non-admitted basis?Colonial General offers both admitted and non-admitted options, depending on the specific risk and state requirements. What limits are available for liability coverage?The program offers primary general liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million. Are there any specific states where this program is available?Yes, the program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is included in the property coverage?Property coverage includes options such as buildings, contents, business income, equipment breakdown, outside signs, inland marine, and more. Need help placing an account? Connect with a market specialist.

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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers targeted coverage solutions for water truck operations through its Water Truck Insurance program. This program is designed for both "for hire" and "not for hire" operations and pairs flexible liability limits with optional physical damage protection and territory choices to fit common contractor and municipal hauling exposures. Overview of the Program From Colonial General This program is underwritten and placed by Colonial General as a Managing General Agency and Excess & Surplus lines broker. It provides agents with access to multiple markets (carriers vary) and can be positioned as admitted in some states or placed non-admitted where necessary. The program focuses on water trucks used for dust control, construction compaction, landscaping, agricultural use, and municipal or utility support. Coverage Highlights For hire and not for hire operations accepted. Liability limits up to $1,000,000 Combined Single Limit (CSL). Physical damage coverage available with deductible choices typically ranging from $500 to $5,000. Radius options available up to 500 miles to accommodate regional hauling operations. Carrier availability varies by account and state — Colonial General uses multiple markets to place risk. Ideal Accounts and Appetite This program suits a range of small- to mid-sized commercial accounts that operate water trucks as their primary or supporting equipment. Typical good-fit classes include: Construction contractors providing dust control and compaction services. Aggregate and paving companies that use water trucks on- and off-site. Municipal agencies or public works departments with municipal water truck fleets. Landscape and irrigation contractors operating water-bearing trucks for dust suppression or watering jobs. Accounts with professional, experienced drivers, documented maintenance programs, and moderate annual mileage are preferred. High-risk operations (e.g., longhaul interstate tanker operations, oilfield fluid hauling, or those with significant lapse in maintenance records) may be declined or submitted to specialized markets only. Underwriting Notes and Submission Guidance When preparing submissions, include the following to improve placement chances: Current driver MVRs and company driving policy. Vehicle schedule with year, make, model, GVW, and serial numbers. Hours of operation, typical radius, and primary use of the water truck (dust control, hauling potable water, etc.). Loss history for the past 3–5 years and details on any significant claims. Details on safety, training, and maintenance programs. If you are unsure about minimum premiums or any program thresholds, note that minimum premium levels and specific terms vary by carrier — please contact Colonial General to confirm current minimums and available deductibles for the target state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Because admitted availability is limited in some states, Colonial General will place eligible accounts on admitted paper where markets permit and on E&S in other jurisdictions. Confirm admitted vs. non-admitted options on a per-submission basis. Why Work With Colonial General on Water Truck Accounts Specialized underwriting experience placing water truck and construction support fleets. Access to multiple carriers and E&S capacity to find solutions for tougher risks. Flexible liability limits and physical damage options that align with contractor needs. Responsive submission review and underwriting guidance to help you prepare a complete file. Example scenarios: You have a local paving contractor running two water trucks for dust control and compaction within a 150-mile radius. This program can provide liability up to $1,000,000 CSL and physical damage with a deductible that fits the client’s budget. A municipal public works department wants coverage for a small fleet of water trucks used seasonally. Colonial General can evaluate admitted options where available or place appropriate E&S coverage to meet the entity’s needs. Next Steps for Agents Prepare a complete submission with vehicle and driver details, loss history, and usage information. Colonial General underwriters will review for appetite and advise on admitted vs. non-admitted options and any available deductible choices. For current carrier availability and exact program terms, submit via your usual broker channel or contact Colonial General directly to discuss the account. Frequently Asked Questions What types of water truck operations are a good fit for this program?Construction contractors, paving and aggregate companies, municipal public works, and landscape contractors using water trucks for dust control, compaction, and similar local hauling tasks are typically a good fit. Longhaul tanker operations or oilfield fluid hauling are generally outside the appetite. What liability and physical damage options are available?The program offers liability limits up to $1,000,000 CSL and physical damage with deductible options usually ranging from $500 to $5,000. Exact limits and deductibles depend on the carrier selected for the account. Are admitted policies available?Some admitted markets are available depending on the state and account characteristics. Where admitted placement is not available, Colonial General can place coverage through Excess & Surplus lines markets. Confirm admitted availability on each submission. What information should I include with a submission to speed placement?Provide vehicle schedules, driver MVRs, a clear description of operations and typical radius, maintenance and safety program details, and loss history for the last 3–5 years. Complete submissions result in faster and more competitive placement. Need help placing an account? Connect with a market specialist.