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Policy Highlights: Colonial General Insurance Agency, Inc. offers Accountants Professional Liability Insurance tailored to meet the needs of accounting professionals and firms of all sizes. Overview of the Program From Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, providing flexible solutions for accountants' professional liability exposures. This program is designed to help independent agents place coverage for accounting firms facing risks related to errors, omissions, or negligence in the performance of professional services. Whether your client is a sole practitioner or a mid-sized accounting firm, Colonial General can help you find the right fit. Ideal Accounts and Appetite This program is suited for a broad range of accounting professionals, including: Certified Public Accountants (CPAs) Bookkeepers and tax preparers Small to mid-sized accounting firms Firms providing audit, consulting, or advisory services Accounts with a clean loss history and a focus on traditional accounting services are typically a strong fit. Higher-risk exposures such as forensic accounting or investment advisory services may require additional underwriting. Coverage Highlights and Advantages Colonial General’s Accountants Professional Insurance program provides protection against claims alleging negligence, errors, or omissions in the delivery of professional accounting services. Key features include: Limits available starting at $100,000/$300,000 Various deductible options to suit different risk appetites First Dollar Defense available depending on carrier approval Claims Expense Outside the Limits may be offered based on carrier discretion Coverage terms and premiums will vary depending on the carrier and specific risk profile of the insured. Underwriting Notes and Minimum Premiums Each submission is underwritten based on the size, scope, and services of the accounting firm. Clean operations with clearly defined service offerings and low claims frequency are typically easier to place. While minimum premiums are not specified, competitive pricing is available for qualifying risks through Colonial General’s carrier network. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and jurisdiction. Why Work With Colonial General With deep expertise in professional liability and access to a variety of national and regional carriers, Colonial General provides agents with responsive service and flexible options for placing hard-to-place or niche accounting risks. Their team understands the unique exposures faced by today’s accounting professionals and works closely with agents to deliver tailored coverage solutions. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for CPAs, bookkeeping firms, tax preparers, and small to mid-sized accounting firms providing traditional accounting services. Are First Dollar Defense and Claims Expense Outside the Limits included?These features may be available depending on the carrier and underwriting review. Availability is determined on a case-by-case basis. Can this program cover firms with prior claims?Firms with prior claims may still be eligible, but underwriting will evaluate the severity, frequency, and nature of past claims before making a decision. In which states is this program available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What documentation is needed to submit an account?Typically, an application, firm brochure or website, and loss runs (if applicable) are required. Additional documents may be requested based on the submission. Need help placing an account? Connect with a market specialist.

Policy Highlights for General Contractors Insurance: Colonial General Insurance Agency, Inc. offers tailored insurance solutions for residential general contractors engaged in new construction and remodeling. This program is designed for contractors who oversee or manage operations—performed by employees or by insured subcontractors. Whether you represent a custom home builder who coordinates multiple trades or a remodeler who manages specialty contractors, Colonial General provides markets and package options to help you place business with confidence. Ideal Accounts and Appetite This program fits residential general contractors who retain administrative or supervisory responsibility for projects, including: Custom home builders Residential remodelers and renovation contractors General contractors who coordinate insured subcontractors across multiple trades Colonial General looks for insureds who maintain control over job sites, use qualified and insured subcontractors, and have formal subcontractor agreements. Accounts with high uninsured subcontractor exposure, lax job-site controls, or poor risk management typically do not meet appetite. Coverage Highlights and Advantages Property Coverage: Basic, Broad, or Special form options Coverage for Building, Contents, Contractor’s Equipment, and miscellaneous property Business Income and Equipment Breakdown available Inland Marine offerings, including Valuable Papers and Computer Equipment Replacement Cost or Actual Cash Value settlement options General Liability: Primary limits available up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments included Blanket Additional Insured endorsement to cover subcontractor-related exposures Excess/Umbrella limits available up to $25,000,000 Typical minimum deductible of $1,000 Crime Coverage: Inside-the-premises theft of money and securities Robbery and safe burglary of other property Outside-the-premises coverage for funds in transit Underwriting Notes and Minimum Premiums Colonial General places accounts with a variety of admitted and non-admitted carriers depending on class and state. Underwriting focuses on contractor controls: documentation of subcontractor insurance, written subcontractor agreements, job-site supervision, and loss history. While minimum premiums vary by market and state, Colonial General aims to offer competitive pricing for well-managed risks. Territories and Availability This residential general contractors program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General's market access reflects regional underwriting knowledge for Western-state residential builders and remodelers. Why Work With Colonial General Insurance Agency, Inc.? As an MGA and Excess & Surplus Lines broker, Colonial General provides agents with responsive service, access to both admitted and E&S markets, and the ability to structure custom packages for residential general contractors. Their underwriters understand contractor workflows and subcontractor relationships, which helps when placing accounts with multiple trade exposure. Example accounts you might place through this program: A custom home builder in Colorado that manages framing, roofing, and finish trades and requires combined property and liability protection with an additional insured blanket. A Nevada remodeling contractor who coordinates insured electrical and plumbing subcontractors and needs contractor’s equipment and inland marine coverage while maintaining primary liability limits and an umbrella layer. Explore the full program at Colonial General's Residential General Contractors Insurance page or learn more about the company at their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include residential general contractors who supervise or manage new construction or remodeling projects and engage insured subcontractors with proper documentation. Is this program available for contractors working in commercial construction?No. This program is focused on residential general contractors; commercial accounts typically require different placement options. Are subcontractors covered under this policy?Subcontractors should carry their own insurance. This program supports insureds who supervise subcontractor work and offers Blanket Additional Insured endorsements to extend coverage where appropriate. What states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I get both property and liability coverage in one policy?Yes. Coverages are available on a monoline or package basis, so you can combine property, liability, inland marine, and crime coverages to match your client's exposures. Need help placing an account? Connect with a market specialist.

Grocery Store Insurance Program from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a focused Grocery Store Insurance program designed to meet the needs of independent grocery stores, convenience stores, and small food retailers. This program is ideal for agents and brokers seeking reliable markets for clients operating stores up to 3,000 square feet, including those with fuel operations or a single automatic car wash bay. Ideal Accounts and Appetite This program targets small-format retail food operations, including: Grocery stores (3,000 sq. ft. or less) Convenience stores with or without fuel sales Food marts and corner stores Locations with one coin-operated drive-through car wash bay Accounts outside these parameters may not be eligible, but Colonial General can evaluate on a case-by-case basis depending on the risk profile and location. Coverage Highlights and Advantages Coverage is available on a monoline or package basis and includes comprehensive Property, Liability, and Crime options tailored for the exposures typical in food retail. Commercial General Liability Primary limits up to $3,000,000 Occurrence / Aggregate Liquor Liability Coverage available Medical Payments Coverage—$5,000 included Additional Interests—Included Excess or Umbrella limits up to $25,000,000 No deductible required Property Coverage Building, Contents, Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Food Spoilage and Equipment Breakdown Computer Equipment and Outside Signs Accounts Receivable and Valuable Papers Crime Coverage Inside Premises—Theft of Money and Securities Inside Premises—Robbery or Burglary of Property Outside Premises Coverage available Underwriting Notes and Minimum Premiums Colonial General underwrites each account individually, considering store size, operations, location, and exposures. While no set minimum premium is listed, accounts should be within the small retail food space to qualify. Agents are encouraged to submit complete applications to improve turnaround and quoting accuracy. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, depending on the risk and coverage needs. 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 retail risks. Their access to a variety of markets and flexible underwriting makes them a strong partner for agents placing small grocery and convenience store business. Whether you're working with a local corner store or a small gas-and-grocery combo, Colonial General can help you find the right coverage solutions. To learn more about this program or to submit a risk, visit the Colonial General Insurance Agency, Inc. company profile. Frequently Asked Questions What types of accounts are a good fit for this Grocery Store Insurance program?Small grocery and convenience stores under 3,000 square feet, including those with fuel sales or a single automatic car wash bay, are ideal candidates. Is Liquor Liability included in the policy?Yes, Liquor Liability coverage is available as part of the Commercial General Liability section of the program. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are admitted markets used for this program?Admitted markets are available in some states, depending on the specific risk and coverage needs. Can I submit accounts larger than 3,000 square feet?This program is designed for stores 3,000 square feet or less. Larger accounts may be considered on an exception basis but may not fit standard underwriting guidelines. Need help placing an account? Connect with a market specialist.

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