Search CompleteMarkets

Policy Highlights for Private School Insurance: Colonial General Insurance...he program is ideal for private K-12 schools, vocational and trade schools, technical training centers, and ...

...Inc. offers a comprehensive Trade School Insurance program designed specifical...n the specific coverage needs of the school. Which states is this program avai...

...iders who transport children using vans, Colonial General Insurance Agency, In...l day care centers that use passenger vans to transport children are ideal. In...

..., firearms training/certification schools, and claims adjusters with limited d...narmed), K9 units, firearms training schools, and claims adjusters with limite...

...Liability in AK, CA, HI, and LA School Districts are ineligible Transit or...ty based on your client’s needs. Are school districts eligible under this program?No, school districts are not eligible for cov...

Policy Highlights: Colonial General can provide the coverages you require for your non-emergency medical transportation needs. Contact us today for more information about additional coverages offered. Coverage available: We currently do not have a market for wheel chair accessible vehicles in most of our states. Limits up to state and federal requirements per seating capacity, up to $1.5 million. Medicare or Medicaid contract required. Liability coverage available up to $1,000,000 CSL. Physical damage coverage with deductible options ranging from $500 to $5,000. Radius options up to 500 miles. Cargo limits up to $100,000 with refrigerator breakdown included. Overview of the Program from Colonial General Insurance Agency, Inc. Colonial General offers a targeted Non-Emergency Medical Transportation (NEMT) program for agents placing ambulatory and stretcher transport accounts that participate in Medicare or Medicaid contracts. This program combines liability, physical damage, and optional cargo protection designed to address the common exposures of passenger transport for non-emergency medical needs. Coverage structure and market depend on the state and specific account characteristics; available markets vary. Ideal Accounts and Appetite Small to mid-size operators running sedan and van services for ambulatory and stretcher passengers (where stretcher transport is accepted by underwriter). Fleets with established Medicare or Medicaid contracts — a contract is required for placement. Operators seeking liability limits up to $1,000,000 CSL and higher per-seating-capacity limits up to $1.5 million where state/federal requirements apply. Accounts less likely to be acceptable include large fleets with extensive wheelchair-accessible vehicle (WAV) operations, new ventures without government contracts, or operations outside the listed states where admitted markets are not available. Coverage Highlights and Advantages Liability limits up to $1,000,000 CSL; per seating capacity limits up to $1.5M where required. Physical damage available with flexible deductible options ($500–$5,000) to fit fleet risk tolerance. Cargo coverage up to $100,000 that includes refrigerator breakdown — useful for medical supplies and temperature-sensitive items transported with patients. Radius options up to 500 miles to accommodate regional runs and inter-facility transfers. Placement through Colonial General’s MGA/E&S brokerage relationships provides access to admitted or non-admitted solutions depending on state and account profile. Underwriting Notes Medicare or Medicaid contract documentation is mandatory at submission. Wheelchair-accessible vehicles: limited or no capacity in most states — disclose any WAV operations up front for accurate placement guidance. Seating capacity drives some state and federal limit requirements; provide seating configuration and vehicle types on submissions. Provide details on driver screening, training, background checks, and vehicle maintenance programs to improve placement chances and pricing. Radius, cargo exposures (including refrigerated items), and any stretcher operations should be detailed for accurate quoting. Territories and Availability This program is available in select western states: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted versus non-admitted availability varies by state and by the specifics of the account — Colonial General works as both an MGA and an excess & surplus lines broker to secure the right market for the risk. Why Work with Colonial General on NEMT Business Colonial General combines specialized appetite for Medicare/Medicaid-contracted NEMT operations with flexible E&S and admitted market access. Agents benefit from targeted underwriting that understands common NEMT exposures (liability for passenger transport, cargo and refrigerated goods, radius and multi-state runs) and from options for physical damage and cargo protection. Colonial General’s focus on these account types helps streamline submissions and improve the chance of placement for qualified insureds. Example Accounts A small, three-vehicle sedan fleet that transports dialysis and outpatient clinic patients under a state Medicaid contract — seeking $1,000,000 CSL liability and physical damage on each vehicle. A regional van operator with Medicare contracts running non-emergency stretcher transfers within a 250-mile radius, requiring cargo coverage for temperature-sensitive medical supplies. Frequently Asked Questions What types of NEMT accounts are a good fit for this Colonial General program?Accounts with active Medicare or Medicaid contracts, small-to-mid-size sedan and van fleets that transport ambulatory or stretcher passengers, and operators that can document driver screening and vehicle maintenance practices are the best fit. Wheelchair-accessible vehicle operations are generally not accepted in most states. Is a Medicare or Medicaid contract required for every submission?Yes. Colonial General’s program requires documentation of a current Medicare or Medicaid contract as part of underwriting for placement. Can Colonial General insure wheelchair-accessible vehicles (WAVs)?No—this program currently does not have a market for wheelchair-accessible vehicles in most states. Disclose any WAVs up front so Colonial General can advise on alternatives or limitations. Which states are eligible and is coverage admitted?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted versus non-admitted options depend on the state and specific account; Colonial General can place on an admitted or E&S basis where appropriate. What documents and details should I include with a submission?Include the client’s Medicare/Medicaid contract, vehicle list with seating capacity, driver qualification and training details, loss history, radius of operations, and any cargo/refrigeration exposures. These items speed underwriting and improve quote accuracy. Need help placing an account? Connect with a market specialist.

...mateur only) Mixed martial arts schools with a focus on amateur instruction ...rations only — professional fighting schools or facilities hosting sanctioned ...

... polygraphists, firearms training schools, claims adjusters (with draft author...

...operate out of community centers, school gyms (when allowed), municipal parks,...

Policy Highlights: Auto detailing businesses face unique exposures that standard commercial insurance often does not address. Colonial General Insurance Agency, Inc. offers a tailored Auto Detail Shop Insurance program through its specialized Commercial Garage Department. Designed specifically for detailing operations—both fixed-location and mobile—this program helps agents and brokers place hard-to-insure risks with confidence. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to multiple markets and underwriting expertise in garage-related risks. This Auto Detail Shop Insurance program provides comprehensive coverage options for businesses involved in vehicle detailing, including mobile operations and those with incidental towing exposure. With availability in multiple Western states, this offering is a strategic solution for agents looking to place niche garage accounts. Ideal Accounts and Appetite This program is ideal for: Auto detailing shops with or without physical locations Mobile detailers operating on a scheduled or on-demand basis Shops offering light mechanical services in conjunction with detailing Operations with in-transit exposures or incidental towing Risks outside the appetite may include high-volume repair garages or those with significant bodywork or paint operations, which may require alternative programs. Coverage Highlights and Advantages Colonial General’s program includes the following key coverages: Garage Liability limits up to $1,000,000 per accident $3,000,000 Aggregate Liability limit Garage Keepers Coverage on a primary basis with specified causes of loss Dealers Physical Damage and False Pretense Coverage Fire Legal Liability $5,000 Medical Payments Broadened Coverage Endorsements In-Transit Coverage for Towing Operations Property Coverage available Mobile detailing operations are also acceptable, providing added flexibility for agents working with non-traditional service models. Underwriting Notes and Minimum Premiums Each submission is underwritten individually, with markets varying by risk profile. Some admitted options may be available, depending on the state and specific exposure. Although minimum premium requirements are not specified, competitive pricing is available for qualifying accounts. Territories and Availability This program is currently available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Agents in these states can access admitted and non-admitted markets to meet a wide range of client needs. Why Work With Colonial General Insurance Agency, Inc. Colonial General offers deep industry knowledge, responsive underwriting, and access to multiple carriers specializing in garage-related risks. Whether you're placing a startup mobile detailing operation or a multi-bay detailing business with property and towing exposures, you’ll benefit from their ability to craft custom coverage solutions. Visit Colonial General's company profile to learn more about placing business with them. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fixed-location and mobile auto detailing businesses, including those with incidental towing or property exposures. Are mobile auto detailers eligible for coverage?Yes, mobile detailing operations are acceptable under this program and can be written with proper underwriting information. Is Garage Keepers coverage included?Yes, Garage Keepers Coverage is available on a primary basis with specified causes of loss. Which states offer this program?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program include options for admitted markets?Some admitted markets are available depending on the risk and state. Colonial General will help determine the best fit based on the submission. Need help placing an account? Connect with a market specialist.