Search CompleteMarkets

...esting, paternity, pathology) and mobile operations Facilities offering co... clinics, rehab facilities, dialysis centers, imaging and lab operations, urgent care and surgery centers, allied health schools, and simil...

...ncludes coverage eligibility for learning centers and tutoring facilities. Cov...ational schools, as well as tutoring centers and private K-12 institutions off...

...ent operates a freestanding detox center, a hospital-affiliated unit, or a spe...gram is ideal for freestanding detox centers, hospital-affiliated units, and s...

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.

Swimming Pool Maintenance Insurance Program from Colonial General Insurance Agency Colonial General Insurance Agency, Inc. offers a specialized Swimming Pool Maintenance Insurance program designed to meet the unique needs of contractors, technicians, and management companies that maintain, service, or operate swimming pools. With access to a variety of carriers and both admitted and non-admitted markets, Colonial General provides flexible solutions for hard-to-place and niche accounts throughout the Western U.S. Ideal Accounts and Target Classes This program is ideal for insureds involved in: Swimming pool maintenance and servicing Pool cleaning companies Swimming pool contractors, dealers, and installers Pool management firms and lifeguard staffing services Whether your client services residential, commercial, or municipal pools, this program is structured to address the risks associated with pool upkeep, chemical application, and daily operations. Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 occurrence / aggregate $5,000 Medical Payments included Chemical Applicator Coverage at policy limits Excess/Umbrella limits up to $25,000,000 Per Project Aggregate and Additional Insureds included Pool “Pop-Up” coverage: $50,000/$100,000 sub-limits (higher limits available) Waiver of Subrogation options Swimming Pool Maintenance Coverages: Lost Key Liability: $25,000 limit “Pop-Up” damage sub-limits Swimming Pool Management/Lifeguard Coverages: Lost Key Liability: $25,000 limit Sexual/Physical Abuse: $25,000/$50,000 sub-limits (higher limits available) Errors and Omissions: Policy limits Limited Participant Coverage: $25,000/$50,000 sub-limits Property Coverage: Basic, Broad, or Special Form options Building, Business Income, Contents, and Equipment Breakdown Replacement Cost or Actual Cash Value Crime Coverage: Theft of Money and Securities (inside premises) Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes and Market Position Colonial General works with a range of carriers and offers coverage through both admitted and non-admitted markets, depending on the state and risk profile. Each submission is evaluated on its individual merits, with a focus on unique or difficult risks in the pool maintenance and service space. Minimum premiums vary by account type and carrier. States Available 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 As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche and specialty programs. With a hands-on underwriting approach and access to competitive markets, they help independent agents secure tailored solutions for insureds with complex risk profiles. Their Swimming Pool Maintenance Insurance program is backed by responsive service and a strong understanding of the exposures faced by contractors and pool service professionals. To learn more or submit a risk, visit Colonial General Insurance Agency, Inc.. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include swimming pool maintenance companies, contractors, dealers, pool management firms, and lifeguard staffing services operating in residential or commercial environments. Does this program cover chemical application risks?Yes, Chemical Applicator Coverage is included at policy limits under the general liability portion of the program. Are higher limits available for pool “pop-up” coverage?Yes, while the standard sub-limit is $50,000/$100,000, higher limits may be available depending on the risk and underwriting approval. Which states is this program available in?This program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Can this program accommodate hard-to-place or non-admitted risks?Yes, Colonial General has access to both admitted and non-admitted markets, allowing them to place complex or unique swimming pool service exposures. Need help placing an account? Connect with a market specialist.

... motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with teen ...

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.

Policy Highlights for Liquor Liability Insurance: Colonial General Insurance Agency, Inc. offers a focused Liquor Liability Insurance program for licensed businesses that sell or serve alcohol. The program helps independent agents and brokers place liquor liability coverage for a wide range of accounts, including restaurants, bars, taverns, nightclubs, convenience and grocery stores, hotels and motels, package/liquor stores, special events, breweries, wineries, and alcohol manufacturers or distributors. Ideal Accounts and Appetite This program fits accounts that maintain strong alcohol-service controls and where staff complete alcohol-awareness/server training (for example, TIPS or TOPS). Underwriters prefer risks with a mature customer base (majority over age 30) and where liquor sales are a smaller portion of total revenue (typically under 25%). Example accounts that typically qualify include: A family-owned restaurant with a beer-and-wine license and trained waitstaff A wine-tasting room with limited hours and strict ID-checking procedures A community event organizer operating a licensed beer garden staffed by trained volunteers Coverage Highlights and Advantages Colonial General’s Liquor Liability program is available as a mono-line policy or as part of a package. Key features include: Primary limits up to $3,000,000 per occurrence and $3,000,000 aggregate No deductible required Excess or umbrella limits available up to $25,000,000 (umbrella not available for mono-line policies) Additional interests can be added for $100 each Assault and Battery limited liability coverage included for bars and taverns, with $25,000 per event / $50,000 aggregate limits Underwriting Notes and Minimum Premiums Alcohol server training (TIPS, TOPS) is strongly preferred and may be required Underwriters favor businesses with mature clientele and low liquor-to-total-sales ratios Eligible accounts may qualify for credits based on controls and loss history Low minimum premiums make this program accessible to many small and mid-sized hospitality operations. Final pricing depends on risk characteristics, state rules, and coverages selected. Territories and Availability This Liquor Liability program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some states offer admitted markets; other placements may be written on a non-admitted basis depending on eligibility and carrier availability. Why Work With Colonial General Insurance Agency, Inc.? As an experienced Managing General Agency and Excess & Surplus Lines broker, Colonial General combines specialty underwriting expertise with access to multiple carrier markets. Agents benefit from responsive underwriting, flexible limit options, and assistance placing hard-to-place or unusual liquor liability risks. Colonial General focuses on practical risk controls and partner service to help you place accounts efficiently and competitively. To learn more about this program or to view additional markets, visit the Colonial General Insurance Agency, Inc. profile. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?Restaurants, bars, taverns, nightclubs, package/liquor stores, tasting rooms, breweries/wineries, and licensed event operators with trained staff and documented alcohol-service procedures are good fits. Is the program available as a mono-line policy?Yes. Liquor Liability can be written mono-line or as part of a package. Note that umbrella coverage is not offered for mono-line policies. What coverage limits are available?Primary limits are available up to $3 million per occurrence and $3 million aggregate. Excess and umbrella capacity can extend up to $25 million where eligible. What underwriting characteristics improve a submission’s chances?Submissions showing staff alcohol-server training (TIPS/TOPS), strong ID and service controls, low liquor-to-total-sales ratios (under ~25%), and mature clientele generally receive favorable consideration. Which states are eligible for this program?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may be admitted or non-admitted depending on the state and carrier. Need help placing an account? Connect with a market specialist.

... motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with teen ...

... shops to specialty restorers and mobile service providers. Ideal Accounts... accounts include auto repair shops, mobile mechanics, towing services (non-fl...