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Colonial General Insurance Agency, Inc. offers a specialized Unusual Construction Insurance program designed to help agents and brokers place accounts that fall outside of traditional residential construction parameters. If you work with clients who own or design unique or alternative homes, this program gives you access to markets that understand and underwrite these distinctive risks. Ideal Accounts and Appetite This program targets residential structures that use non-standard construction methods or have been repurposed from commercial or institutional use. Examples of eligible property types include: Monolithic concrete dome homes Straw bale homes Log homes constructed with hand-hewn or milled logs Converted structures such as former schools or churches now used as residences Mountain retreats, including those with water features like streams If you have a client with a unique structure that doesn’t fit standard homeowners or dwelling forms, this program is built to help you find a home for that business. Coverage Highlights and Advantages Colonial General works with a variety of carriers to offer flexible coverage options for unusual construction types. Available markets include both admitted and non-admitted options, allowing for tailored solutions depending on the specific risk profile and location of the property. Typical coverages may include property, liability, and additional endorsements suited to the unique exposures of these non-traditional properties. Underwriting Notes Underwriting is case-by-case, with a focus on structural integrity, maintenance history, and intended use. Because of the distinct nature of each risk, detailed submission information is essential. Colonial General’s underwriting team is experienced in evaluating these unique risks and can help you navigate the placement process efficiently. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has deep regional expertise and strong carrier relationships in these territories. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings broad market access and underwriting experience specific to non-standard residential risks. Their team understands the challenges agents face when trying to place unique or converted properties and provides responsive support to help you close tough-to-place accounts. Whether your client is building a straw bale retreat in New Mexico or converting a historic church in California into a home, Colonial General can help you secure appropriate coverage solutions. Contact Colonial General today to learn more about the Unusual Construction Insurance program and how it can support your unique property accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential structures with non-traditional construction, such as dome homes, straw bale houses, log cabins, and converted churches or schools used as homes. Is this program available in all states?No, Colonial General currently offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and location. Can I submit a property located near a stream or with unique environmental features?Yes, properties like mountain retreats with streams may be eligible, though underwriting will review environmental exposures closely. What submission information is required?Detailed property information, construction details, usage, photos, and any prior insurance history will help expedite the underwriting process. Need help placing an account? Connect with a market specialist.

High Limit Accident Insurance As much as we try to avoid them, accidents happen. No one anticipates having to manage the financial and emotional hardships that occur in the wake of an accidental death or life changing injury. However, with PIU’s High Limit Accident Insurance, you can be prepared for the worst and eliminate the financial stress that accompanies a death or permanent disability due to a devastating accident. Petersen International Underwriters’ High Limit Accident Insurance Plan will cover an individual or a group 24/7 with issue limits from $100,000 to $100 million in the case of an accidental death or dismemberment. This high limit plan can also be tailored to insure you against specific risks such as war and terrorism (even in war zones), aviation, common carrier transportation, motor racing, and mountain climbing, to name a few. At Petersen International Underwriters we know you don’t always have the time to complete the traditional insurance application process. Our High Limit Accident Insurance Plan will have you fully covered easily and quickly, with no medical underwriting and just a one page application. For last minute cases that require a quick turnaround, coverage can be secured quickly online. Accidents resulting in a death or dismemberment may not be avoidable, but when it comes to the excessive amount an accident can cost, Petersen International Underwriters has you covered with the High Limit Accident Insurance Plan.

MexiHome PLUS Program — Insurance for U.S. Homeowners in Mexico The MexiHome PLUS Program from MexiPass International Insurance Services provides a tailored homeowners solution for U.S. residents who own vacation or secondary homes in Mexico. Built to mirror the broad protection of U.S. HO-5 forms, this program gives agents access to comprehensive coverage backed by AIG – Mexico. Overview for Agents and Brokers This program is designed for independent agents and brokers placing personal lines homeowners risks for clients who live in the U.S. but own property in Mexico. MexiPass acts as the managing general agency, coordinating placement and underwriting through AIG – Mexico on a non-admitted basis to allow flexible terms for cross-border exposures. Ideal Accounts and Appetite MexiHome PLUS is a strong option when you need HO-5–style protection for: Private vacation homes and second residences Single-family houses, condos, beachfront villas, and mountain properties Owners who use the property solely for personal use (non-commercial) Accounts involving rental income, short-term rentals (e.g., frequent Airbnb use), commercial activities, or unusual exposures will typically require additional underwriting review and documentation. Coverage Highlights and Advantages The program delivers broad-form protection similar to HO-5 policies and addresses perils common to Mexican territories, including coastal and seismic risks. Key coverages include: Property Coverage: Dwelling, other structures, personal contents, and loss of use. Liability: Personal liability within Mexico and medical payments for visitors. Catastrophic Perils: Coverage for earthquake, volcanic eruption, flood, and tidal wave where applicable. Scheduled Valuables: Ability to schedule high-value items such as jewelry, artwork, and collectibles. Homeowners Assistance Services: Emergency plumbing, locksmith, and plate glass replacement services are available to help manage small urgent losses. These features help your clients manage both everyday loss exposures and larger natural catastrophe risks that affect certain regions of Mexico. Underwriting Notes MexiPass places MexiHome PLUS on a non-admitted basis through AIG – Mexico, which offers flexibility for cross-border placements. Because terms are underwritten in Mexico, expect tailored wording and capacity considerations specific to each risk. Brokers should be prepared to provide: Detailed property information and recent photos Occupancy and use details (primary vs. seasonal use) Any history of prior claims or loss mitigation measures For borderline or complex risks, reach out to MexiPass underwriting for eligibility guidance and documentation requirements. Territories and Availability The MexiHome PLUS Program is available to agents and brokers licensed in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Why Work With MexiPass? MexiPass International Insurance Services is a managing general agency focused on cross-border placements for U.S. clients with interests in Mexico. Working with MexiPass gives you: Access to AIG – Mexico capacity and tailored policy forms Underwriting expertise in Mexican property and coastal/seismic risks Support placing non-admitted, flexible solutions when admitted options are limited Guidance through documentation and submission requirements to streamline placement Example scenarios you might place here: a U.S. homeowner buying a beachfront condo in Baja who wants HO-5 level contents and liability protection, or a client with a second home in San Miguel de Allende seeking scheduled coverage for high-value artwork and earthquake protection. Whether your client is purchasing a new vacation home or upgrading an existing Mexico policy, MexiPass can help you secure comprehensive coverage and underwriting support. Frequently Asked Questions What types of accounts are a good fit for the MexiHome PLUS Program?This program is ideal for U.S.-based clients who own personal-use vacation or secondary homes in Mexico, including villas, condos, and single-family residences. Is the MexiHome PLUS Program admitted in any states?No. MexiHome PLUS is placed on a non-admitted basis through AIG – Mexico, allowing more flexible underwriting and customized policy terms for cross-border risks. Does the program include coverage for natural disasters?Yes. The program includes protection for catastrophic perils such as earthquake, volcanic eruption, flood, and tidal wave where those perils are applicable to the property location. Can clients schedule valuable personal property?Yes. High-value items like jewelry, artwork, and collectibles can be scheduled to provide broader limits and specified coverage. What support does MexiPass provide to agents?MexiPass offers specialized underwriting support, experienced cross-border placement guidance, and assistance with documentation to help you move submissions through underwriting efficiently. Need help placing an account? Connect with a market specialist.

Leavitt Recreation and Hospitality offers a 2-day turnaround on quotes for Bed and Breakfast Insurance! Bed and Breakfast Insurance Program from Leavitt Recreation and Hospitality Leavitt Recreation and Hospitality Insurance, Inc. (LRHI) offers a specialized Bed and Breakfast Insurance program tailored for owner-occupied and innkeeper-managed properties across a wide range of U.S. states. With deep expertise in hospitality and recreation risks, LRHI understands the unique exposures that come with operating charming, customer-facing businesses like B&Bs and vacation rentals. This program provides flexible coverage options and fast turnaround—quotes in 2 days and binding in as little as 1 day—making it an ideal solution for busy agents. Ideal Accounts and Appetite This program is designed for a variety of hospitality risks, including: Owner-occupied bed and breakfast properties Inns managed by an innkeeper or third-party manager Vacation rentals (including seasonal operations) Properties located in Protection Class 9 and 10 areas Whether your client operates a year-round B&B or a seasonal mountain inn open for 12 or more consecutive weeks, LRHI can accommodate various occupancy schedules. Properties must be winterized if unoccupied during off-season months. Coverage Highlights and Advantages Leavitt’s Bed and Breakfast program offers broad and customizable coverage options that address both personal and business exposures: Liability limits up to $1,000,000 Medical Payments up to $10,000 Loss of Use coverage for owner-occupied risks Personal Injury Protection Restaurant and host liquor liability available Scheduled personal property (fine arts, furs, jewelry, guns) Replacement Cost coverage for buildings up to 50 years old (with updates in the last 20 years) Functional Replacement Cost for buildings older than 50 years Owner-occupied properties are eligible for coverage on both personal and business personal property, making this an ideal solution for hybrid-residential operations. Underwriting Highlights and Minimum Premium LRHI’s in-house underwriting authority allows them to quote, bind, and issue policies quickly—often within 24 hours for risks with total insured values (TIV) under $3 million. This flexibility is ideal for agents who need fast answers and efficient placement for unique hospitality accounts. Minimum premiums vary based on location, occupancy, and coverage needs. Contact LRHI for a tailored quote. Territories and Availability This non-admitted program is available in the following states: AL, AZ, AR, CO, CT, DE, GA, HI, ID, IN, KS, LA, ME, MD, MI, MS, MO, MT, NE, NJ, NM, NY, NC, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WY Why Work With Leavitt Recreation and Hospitality Insurance With decades of experience in hospitality and recreational risks, Leavitt Recreation and Hospitality brings targeted underwriting knowledge, reliable carrier markets, and responsive service to help agents succeed. The ability to bind quickly, handle unique property types, and offer flexible coverage options makes this program a go-to solution for agents serving the B&B and vacation rental space. For all of your Bed and Breakfast Insurance risks, contact Leavitt today! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for owner-occupied bed and breakfasts, inns managed by innkeepers, and vacation rental properties, including those in rural or high protection class areas. Can this program handle seasonal or part-time operations?Yes. Properties that operate for at least 12 consecutive weeks can be considered. If the property is unoccupied during the off-season, it must be properly winterized. What coverage is available for older buildings?Buildings over 50 years old are written on a Functional Replacement Cost basis. Properties less than 50 years old that have been updated in the last 20 years may qualify for Replacement Cost coverage. How quickly can I get a quote or bind coverage?LRHI typically provides quotes within 2 business days. For risks under $3 million TIV, binding and issuance can be done in as little as one day due to in-house authority. Is this an admitted or non-admitted program?This is a non-admitted program, offering flexibility in underwriting and coverage for unique or higher-risk accounts. Need help placing an account? Connect with a market specialist.

Policy Highlights for Private Investigative Agencies: Colonial General Insurance Agency, Inc. offers a dedicated Private Investigative Agencies Insurance program designed for firms that provide armed or unarmed security personnel (with or without animals), private investigators, polygraphists, process servers, firearms training/certification schools, and claims adjusters with limited draft authority. Property and liability coverages are available on a monoline or package basis through admitted and surplus markets. Overview of the Program from Colonial General This program gives independent agents access to specialized underwriting for investigative and security-related operations across the Mountain West and Southwest. Coverage is placed through a mix of admitted and excess & surplus markets depending on exposure and state—Colonial General acts as a managing general agency and E&S broker to match accounts to appropriate markets. Ideal Accounts and Appetite Stand-alone private investigative firms providing surveillance, background checks, skip tracing, and process serving. Security and patrol companies offering armed or unarmed guards, including K9 units. Firearms training or certification schools, and instructors with documented curricula and safety procedures. Claims adjusters operating with draft authority of $5,000 or less. We typically favor businesses with formal policies, documented training, and clear limits on employee authority. Accounts with high-risk activities (e.g., private military contracting, high-value executive protection with weapons policy gaps, or significant guard force violence claims history) may be declined or require referrals to specialty markets. Coverage Highlights and Advantages Commercial General Liability available with primary limits up to $3,000,000 (occurrence and aggregate). $5,000 Medical Payments coverage included. Additional interests extended—$100 each. Assault & Battery included at policy limits; sub-limits available with a rate adjustment. Errors & Omissions (E&O) coverage part available to address professional liabilities. Lost Key coverage—$25,000 limit on qualifying Security & Patrol accounts. Property Damage Extension (care, custody & control) included at $5,000 / $25,000 limits on Security & Patrol Program placements. Excess/umbrella capacity up to $25 million for larger aggregate needs. Property options: Basic, Broad, or Special forms for building, contents, and business income; replacement cost or actual cash value available. Crime coverage available for inside and outside the premises theft, robbery/safe burglary, and related exposures. Underwriting Notes Underwriters will review training programs, hiring and background screening procedures, use-of-force policies, vehicle operations, and contract language. Key factors that influence pricing and placement include: Degree of armed operations and documented firearms training. Claims and loss history, especially related to assault, battery, or weapons incidents. Whether patrols are stationary or mobile and if animals (K9) are used. Contractual indemnities, client indemnification language, and hold-harmless agreements. Because Colonial General works with both admitted and surplus markets in some states, placement may vary by state and account characteristics. Refer to the company’s underwriting guidelines for additional submission requirements. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier; some classes may be placed admitted where markets permit, while others will be placed non-admitted through E&S facilities. Why Work With Colonial General on Private Investigative Business Colonial General combines specialty underwriting relationships with program-level knowledge of investigative and security risks. Agents benefit from targeted coverage options (including assault & battery and lost key limits), access to excess capacity, and flexible property/crime combinations that fit the common exposures of this sector. A risk management/loss prevention brochure is available to help insureds reduce frequency and severity of losses. Example Fits You might have a mid-size private investigation firm that conducts surveillance and background checks with a small fleet of marked vehicles—this program can package GL, E&O, and business property on one placement. A local firearms training school with certified instructors and written safety protocols may qualify for liability and premises property coverage, with options to add excess limits as class sizes grow. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Private Investigative Agencies program?Firms providing private investigation, process serving, polygraph services, security and patrol (armed or unarmed), K9 units, firearms training schools, and claims adjusters with limited draft authority are good fits—especially those with formal training and documented procedures. Are assault and battery exposures covered?Yes. Assault & battery coverage is included at policy limits; sub-limits may be available with an adjustment to pricing depending on the account’s risk profile and history. Can I place property and crime coverages through this program?Yes. Property coverage (basic, broad, or special form) for building, contents, and business income is available, and crime forms include inside and outside premises theft and robbery/safe burglary options. Which states are eligible for this program?The program writes in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Placement availability (admitted vs. non-admitted) varies by state and carrier. What information should I include with a submission?Provide a current application, loss history, employee screening and training procedures, sample contracts, and details on armed operations or K9 use. Specific requirements are available from Colonial General’s underwriting team. Need help placing an account? Connect with a market specialist.

Zurich North America's Resorts & Boutique Hotels Insurance Program is a national, all-lines solution built for the upscale lodging market. Offered on an open brokerage basis to agents and brokers across all 50 states and the District of Columbia, the program is tailored for boutique hotels, luxury resorts, destination properties and other specialty lodging operations that require broad, hospitality-specific protection. This program focuses on the exposures unique to high-end lodging—guest amenities, food & beverage operations, recreational activities, and property values concentrated in one location—while giving you flexible placement options and centralized underwriting expertise. Ideal Accounts and Eligibility This program targets high-end and specialty lodging risks. Eligible classes include: Boutique hotels Premier full-service hotels and destination resorts Condo hotels and casino hotels Hotel management companies Resorts and private resort communities (including gated communities) Private social clubs offering lodging Hunting, fishing, and gun resorts, including lodges Golf resorts with club operations If you place insureds who operate upscale or distinctive lodging properties—spas, golf courses, private clubs, marinas, or other guest amenities—this program is designed to accommodate those combined exposures with tailored coverages. Coverage Highlights and Advantages The Resorts & Boutique Hotels Program provides an extensive suite of coverages for hospitality operations, including both property and casualty lines. Key offerings include: Property (with enhanced capacity for Flood and Earthquake) Inland Marine and Crime Guest Property and General Liability Liquor Liability and Auto/Garagekeepers Legal Liability Professional Liability and Cyber Liability Pollution and Employment Practices Liability (EPL) Workers’ Compensation and Umbrella Liability (up to $100 million limits) Broadened property enhancements and Business Interruption, including Building Ordinance and Extended Indemnity Miscellaneous Professional Liability for hospitality amenities like spas, golf, fitness, or tennis Crisis Management Services and Abusive Acts coverage (positive grant or silent) The program also offers non-auditable General Liability and protections for third-party discrimination claims, helping your clients manage both operational liability and reputation risk. Underwriting Notes and Minimum Premiums Policies are underwritten by Zurich North America's individual member companies, including Zurich American Insurance Company. Minimum premiums vary by account size, location, and exposure profile; consult Zurich underwriters for pricing guidance on specific submissions. The program is available to agents and brokers on an open brokerage basis—binding authority is not required. Typical strengths include appetite for properties with multiple revenue streams (lodging, F&B, spa, golf) and complex exposures that need package solutions across several lines. Accounts with significant catastrophic exposure, habitual noncompliance, or substantial prior loss activity may require additional underwriting review or placement on a different platform. Example accounts that often fit well: A 120-room boutique hotel with an on-site spa and fine-dining restaurant looking for combined property, GL, liquor liability and cyber protection. A coastal destination resort requiring enhanced flood/earthquake capacity and business interruption with ordinance coverage for recent renovations. Territories and Availability The program is available in all 50 states and the District of Columbia, enabling nationwide placement for clients operating in diverse locations—from mountain lodges to beachfront resorts. State-specific terms and coverages may vary by underwriting company and regulatory requirements. Why Work With Zurich North America? Zurich North America brings deep hospitality experience and a national underwriting platform focused on complex lodging risks. Working with Zurich gives you access to broad coverage forms, excess capacity (including high-limit umbrella options), and specialist claims and crisis-management resources designed for the high-end lodging sector. As a program administrator and underwriter, Zurich provides experienced underwriting teams that understand the operational nuances of boutique and resort properties, enabling more effective placement and risk management for your clients. Contact Zurich North America to discuss submissions or to learn more about placing hospitality accounts through the Resorts & Boutique Hotels Insurance Program. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for boutique hotels, luxury resorts, condo hotels, casino hotels, private resort communities, and similar upscale lodging operations with unique amenities like spas, golf courses, marinas, or hunting lodges. Is this program available nationwide?Yes. Zurich offers the program in all 50 states and the District of Columbia; specific coverages and endorsements may vary by state and underwriting company. What coverages are included in the program?The program can package Property, General Liability, Liquor Liability, EPL, Cyber, Pollution, Workers’ Compensation, Umbrella (up to $100M), and a range of hospitality-specific enhancements such as Building Ordinance and Extended Indemnity. Do I need binding authority to access this program?No. The program is available to agents and brokers on an open brokerage basis; binding authority is not required. Who underwrites the coverage in this program?Policies are underwritten by individual member companies of Zurich North America, including Zurich American Insurance Company. Need help placing an account? Connect with a market specialist.

Superior Access offers a comprehensive Personal Lines Insurance program designed for independent agents and brokers seeking flexible, reliable options for their personal lines clients. Whether you're looking for packaged or monoline policies, Superior Access provides access to a wide range of coverages through top-rated carriers. Overview of the Program From Superior Access Superior Access Insurance Services, Inc. is a trusted wholesale broker with strong carrier relationships and a broad underwriting appetite. Their Personal Lines Insurance solutions are built to address a wide range of personal risk exposures, offering both bundled and standalone policy options. This flexibility allows agents to tailor solutions to each client’s specific needs—whether you're insuring a high-value homeowner or providing basic auto coverage. Ideal Accounts and Appetite The program is ideal for agents with clients who need coverage for: Primary and secondary homes Automobiles, including high-value and collector vehicles Recreational vehicles such as ATVs, RVs, and motorcycles Boats and personal watercraft Valuable personal property (jewelry, art, collections) Personal umbrella liability coverage You can write both standard and higher-risk accounts, including those that don’t qualify for a full package. Whether your client needs a single auto policy or a comprehensive package with home, auto, umbrella, and more, Superior Access has the market connections to help you place the business. Coverage Highlights and Advantages Superior Access gives you access to carriers offering: Packaged solutions with enhanced features and endorsements Standalone (monoline) coverage for home, auto, umbrella, and more Optional umbrella coverage to extend personal liability protection Flexible underwriting for unique or hard-to-place risks Example: You might have a client with a vacation home, a boat, and multiple vehicles. Superior Access can help you provide a bundled solution with strong protection and potential cost efficiencies. Underwriting Notes and Minimum Premiums There are no minimum premium requirements, giving you the flexibility to write accounts of all sizes. Access to multiple markets helps you find competitive solutions for both preferred and non-standard risks. Territories and Availability Superior Access writes Personal Lines Insurance in all 50 states and Washington, DC, including but not limited to: California, Texas, Florida, New York, Illinois Midwest states like Ohio, Michigan, and Indiana Southeastern states such as Georgia, North Carolina, and South Carolina Mountain and Western states including Colorado, Arizona, and Washington Why Work With Superior Access? As a wholesale broker, Superior Access provides you with: Access to several reputable carriers Competitive options for both bundled and monoline risks Broad geographic availability No minimum premiums, making it easier to serve all client types Their deep market access and experience in personal lines allow you to offer tailored solutions for clients, whether they need full protection or a single line of coverage. With Superior Access, you get the tools to retain more personal lines business and grow your book. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include clients with homes, autos, recreational vehicles, boats, or valuable personal property. High-net-worth individuals and those looking for umbrella liability coverage are also a strong fit. Can I write monoline policies through Superior Access?Yes. Superior Access has markets that allow for monoline policies in home, auto, umbrella, and more—ideal for clients who don’t need a full package. Are there any minimum premium requirements?No, there are no minimum premiums. This makes it easier to place both small and large personal lines accounts. Is this program available in all states?Yes, Superior Access offers Personal Lines Insurance solutions in all 50 states and Washington, DC. What carriers does Superior Access work with for personal lines?Superior Access partners with several reputable carriers to offer competitive personal lines options. Specific carrier availability may vary by state and risk type. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a targeted Animal Services Insurance program for businesses that care for, board, groom, train or sell household pets. The program is designed for animal shelters, boarding and breeding kennels, pet stores, grooming salons, training facilities and similar pet service operations. Policies are available on a mono-line or package basis and can include property, general liability, crime, and optional excess/umbrella protection to fit the account's needs. Ideal Accounts and Appetite: This program fits small to mid-sized animal service businesses that have routine care, custody, and control exposures for household pets. Typical examples you can place with Colonial General include: • A grooming salon that also offers overnight boarding • A boutique pet store with an in-store daycare or play area • A regional animal shelter seeking combined property and liability protection Accounts involving exotic species, wildlife, or known aggressive/high-risk breeds may be considered only with additional underwriting review and subject to restrictions or exclusions. Commercial General Liability Coverage Available: • Primary limits available up to $3,000,000 Occurrence/Aggregate • Hired and Non-Owned Auto Liability available • Excess or Umbrella limits up to $25,000,000 Included Coverages: – Medical Payments Coverage—$5,000 limit – Additional Insured endorsements at no extra charge – Property Damage Extension (Care, Custody, and Control)—$500 Occurrence / $1,000 Aggregate (higher limits available upon request) – No deductible required for the listed liability extension (deductibles may apply on property or package forms) Crime Coverage Available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises (employee or third-party theft exposures) Property Coverage Available: • Building and Business Personal Property • Business Income and Extra Expense • Accounts Receivable and Valuable Papers • Care, Custody, and Control for animals in your insured's care • Computer Equipment and Equipment Breakdown • Inland Marine and Outdoor Signs • Basic, Broad, or Special Form; Replacement Cost or Actual Cash Value options Underwriting Notes: Colonial General places business with a mix of admitted and non-admitted markets depending on the risk profile and state. Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Minimum premiums and eligibility vary by class, limits, and coverages selected—refer submissions to underwriting for state-specific guidance and quoting. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General specializes in niche programs for hard-to-place accounts. Agents benefit from their access to multiple carrier partners, flexible underwriting, and regional expertise across the Mountain West and Southwest. Colonial's program is useful when you need tailored care, custody & control wording, higher limits, or E&S capacity that admitted markets may not offer. If you have a client with mixed operations (retail, grooming, and boarding) or an animal shelter with unique property and liability needs, Colonial provides options to help place the account. You might have a client who runs a combined grooming-and-boarding salon looking for liability limits above a typical market, or a non-profit shelter needing a property and liability package with CCC coverage — Colonial can often offer workable terms where standard markets cannot. Frequently Asked Questions What types of accounts are a good fit for this Animal Services Insurance program?Ideal accounts include pet groomers, boarding kennels, animal shelters, pet stores, and dog training facilities that primarily serve household pets. Is the program available for businesses in all states?No, this program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I offer just liability coverage without property?Yes. Both mono-line liability and package policies are available depending on the insured's needs. Are higher limits available for Care, Custody, and Control coverage?Yes. Higher CCC limits can be added upon request and subject to underwriting approval. Does the program accept accounts with exotic or aggressive animals?Exotic species, wildlife, and known aggressive breeds are reviewed case-by-case and typically require additional underwriting; some risks may be declined or offered only with exclusions. Need help placing an account? Connect with a market specialist.

Overview — RPS NIPC Ski Shop Insurance RPS NIPC’s Ski Shop Insurance program is a packaged, admitted solution written with an A+XV carrier (ACE) and administered by RPS NIPC as a program administrator. The program is tailored for independent ski, snowboard and related retail and rental shops nationwide. It combines property, general liability and optional crime and inland marine extensions to protect seasonal and year-round specialty shops that sell, service and rent snow sports equipment — and often bicycles as a year-round line. Ideal accounts and target classes Ski and snowboard retail stores with on-site rental operations Ski, snowboard and bicycle rental shops (including demo fleets) Independent shops that combine bike and snow sports sales, service and accessories Small to mid-size specialty retailers with storefronts, limited repair benches and overnight storage Coverage highlights and available extensions The program is underwritten by a team with 25+ years of bicycle and specialty-sports experience and is structured to address the exposures common to ski and rental shops: Package form combining property and general liability Products and completed operations coverage for sold equipment and service work Optional special extensions of property (valuable papers & records, money & securities, personal property off premises) Inland marine options for rental fleets, demo equipment and transit exposures Underwriting appetite and typical restrictions This program fits independently owned and operated specialty retailers and rental shops focused on skis, snowboards and bicycles. It is generally appropriate for single-location or small multi-location businesses without large-scale manufacturing, wholesale distribution, or resort operations. The program is not intended for major resort operators, lift maintenance contractors, snowcat/heavy equipment operations, or high-hazard manufacturing facilities. Underwriting notes and minimums Typical underwriting considers location, rental fleet size and replacement cost of demo equipment, loss history, and in-store repair operations. The program is admitted and available nationwide. Minimum premium: $1,750 (subject to underwriting). You should submit detailed schedules for demo and rental fleets and any high-value inventory for proper valuation and endorsement placement. Territories and admitted status The Ski Shop Insurance program is available in all 50 states. States currently supported include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Coverage is placed on an admitted paper through ACE. Why place this business with RPS NIPC? Program administrator with deep specialty experience—underwriters familiar with retail/rental exposures and seasonal operations. Admitted product with a strong carrier (A+XV) that supports common extensions for specialty retailers. Flexible property extensions and inland marine options that help protect valuable demo equipment and off-premises exposures. Nationwide availability makes it easy to place multi-state or relocated accounts with consistent forms. Example accounts that fit well You might have a client who runs a mountain town ski shop that rents demo skis and snowboards each winter, offers basic in-store tuning and stores some rental equipment overnight. Another good fit is a coastal shop that sells bikes in summer and runs a small ski rental fleet in winter. Both are the types of accounts where the RPS NIPC package can provide appropriate property, liability and rental fleet protection on admitted paper. For more information on RPS NIPC and our specialty programs, please visit our website. Frequently Asked Questions What types of ski shop accounts are a good fit for this program?This program is aimed at independent retail and rental shops—ski, snowboard and bicycle stores—with storefronts, demo fleets and limited on-site repair. It’s best for single locations or small multi-location operators rather than large resort or heavy-equipment operations. Is the coverage admitted and available nationwide?Yes. The program is placed on admitted paper with an A+XV carrier (ACE) and is available in all 50 states, including DC. State availability and forms are handled through RPS NIPC as the program administrator. Are rental fleets and demo equipment covered?Yes. The program offers inland marine and property extensions to address rental fleets and demo equipment. Provide detailed schedules and replacement cost values on submission for accurate underwriting and pricing. What is the minimum premium and submission expectations?Minimum premium is $1,750. Submit loss history, a description of rental/demo fleets, inventory values, and information on any repair operations to help underwriters assess risk and provide accurate quotes. Who at RPS NIPC handles underwriting questions?Underwriting is managed by RPS NIPC’s bicycle/specialty team with more than 25 years’ experience. Reach out through your usual RPS NIPC wholesaler contact for program guidance and to discuss borderline or unusual risks. Need help placing an account? Connect with a market specialist.

RISC's Home Select is a High-Value Homeowners Insurance solution tailored for homes and condos valued over $250,000. Developed for independent agents and brokers, this program offers flexible underwriting and broad eligibility across the United States, including areas that are traditionally difficult to insure. Overview of the Program From RISC Inc. RISC Inc. is a Managing General Agency (MGA) offering access to specialty personal lines markets. With Home Select, agents can place primary and vacation homes, even those in high-risk zones or with unique ownership structures. Coverage is available for properties under construction, vacant, corporately or estate-owned, and more. This program provides a much-needed market for high-value homeowners who face challenges obtaining coverage due to location or risk profile. Whether your client owns a coastal vacation home or a secondary residence in wildfire-prone regions, RISC delivers tailored protection options. Ideal Accounts and Appetite Home Select is ideal for clients who meet the following criteria: Homes and condos with dwelling values of $250,000 and up Total insured values up to $10,000,000 (higher limits available with referral) Liability coverage up to $1,000,000 Personal articles floater available up to $250,000 (with higher limits by referral) Target risks include: Primary and vacation residences Properties in high-risk areas such as: Coastal zones High wind regions Brush fire-prone areas Flood or rising water zones Earthquake-prone locations Protection Class 9 or 10 areas Homes under construction or vacant Corporately or estate-owned properties Coverage Highlights and Advantages Designed for hard-to-place high-value homes Flexible underwriting for specialty and high-risk exposures Access to respected carriers: Lonmar Global Risks & Sagicor Syndicate Customizable limits with referral options for higher values You might have a client with a luxury mountain home in a wildfire zone or a coastal condo used as a seasonal residence—RISC’s Home Select program can help you find coverage solutions for these scenarios. Underwriting Notes and Minimum Premiums Most markets are written on a non-admitted basis Minimum premium starts at $1,500 Referral required for higher limits or complex risks RISC works closely with agents to evaluate non-standard or high-net-worth exposures and deliver tailored solutions with responsive turnaround times. Territories and Availability The Home Select program is currently available in the following states: Arkansas (AR) Minnesota (MN) Montana (MT) Nebraska (NE) North Dakota (ND) Oklahoma (OK) Oregon (OR) South Dakota (SD) Texas (TX) Utah (UT) Wyoming (WY) Why Work With RISC Inc. on High-Value Homeowners? RISC Inc. brings specialized expertise in placing difficult personal lines risks. Their Home Select program gives agents access to quality markets and underwriters who understand the nuances of high-value residential properties. With a focus on flexibility, speed, and customized solutions, RISC makes it easier for brokers to serve high-net-worth clients in challenging territories. Contact RISC today to discuss your next High-Value Homeowners Insurance submission. Frequently Asked Questions What types of accounts are a good fit for this program?Homes or condos valued over $250,000, including those in high-risk areas or with unique ownership structures like trusts or corporations, are ideal candidates. Can this program insure vacation homes or secondary residences?Yes, the Home Select program covers both primary and vacation homes, even in coastal or wildfire-prone areas. What is the minimum premium for this program?The minimum premium starts at $1,500, subject to underwriting review and risk characteristics. Are higher limits available for property or personal articles coverage?Yes, higher limits are available with referral. Total insured values can go up to $10 million or more depending on the risk. Which carriers support this program?The program is backed by Lonmar Global Risks and Sagicor Syndicate, offering strong market support for unique personal lines risks. Need help placing an account? Connect with a market specialist.