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Policy Highlights for Occupational Therapist Insurance: As an in...asis?Yes. The program accommodates therapists who work in varied settings such...

Policy Highlights for Directors and Officers Insurance: In today’s litigious an...lexible, market-backed Directors and Officers Insurance program designed to pr...

...rms placing physicians, nurses, therapists, and other licensed healthcare prov...care professionals such as nurses, therapists, and aides in hospitals, clinics...

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...me health aides Physical and occupational therapists Medical clinics and wellness cent...sionals such as home health aides, therapists, outpatient clinics, and wellnes...

...ome, and an umbrella for director/officer liability exposures (placed separate...

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...mbrella/Excess Directors’ and Officers’ Liability These coverage...

Program Highlights: Colonial General Insurance Agency, Inc. offers a flexible Residential Liability Insurance program that helps agents and brokers place liability coverage for a variety of residential property types across the Southwest and Western states. Whether the client is a homeowner seeking comprehensive personal liability for an owner-occupied residence or an investor with rental, vacant, seasonal, or short-term vacation properties, this program provides tailored options to match the exposure and ownership structure. Ideal Accounts and Appetite This program is a strong fit for: Homeowners seeking Comprehensive Personal Liability (CPL) for primary, owner-occupied residences Property owners needing Premises Liability for rental, vacant, seasonal, or short-term vacation dwellings Short-term vacation rental exposures (provided under Premises Liability) Properties titled in corporations or LLCs (eligible under Premises Liability) Not a fit: risks where owner-occupied properties or personal liability coverage are required but the title is held in a corporate name; CPL is restricted to personal, owner-occupied risks only. Coverage Highlights and Advantages Comprehensive Personal Liability (CPL): Portable coverage that follows the insured personally Intended for primary, owner-occupied residences CPL is not available for risks titled in a corporate name Premises Liability: Coverage limited to the insured location Available for rental, vacant, seasonal, or short-term rental properties Corporate or LLC ownership accepted Endorsement DL 2411 may be added where appropriate Optional endorsements that help tailor policies include: Medical Payments Acreage Personal Injury (available for CPL only) Day Care endorsement (available for CPL only) Short-term vacation rental endorsement (Premises Liability only) Underwriting Notes and Minimum Premiums Colonial General works with multiple admitted and non-admitted carriers to place risks based on occupancy, ownership structure, and liability exposure. Underwriters review each submission for factors such as whether the property is owner-occupied, the presence of short-term rental activity, condition of the premises, and corporate titling. No specific minimum premium is listed here; pricing is competitive and determined by the carrier and risk characteristics. Territories and Availability 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? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep underwriting experience in personal and commercial lines across the Western U.S. Their advantages include responsive service, flexible underwriting, and access to multiple carrier markets—helpful when you’re placing non-standard occupancy types, corporate-owned properties, or short-term rental exposures. Example account scenarios: You have a client who owns a vacant rental home titled in an LLC in Nevada — this is typically a good placement under Premises Liability. You’re working with a Utah homeowner who operates a small in-home daycare — this exposure may be placed under CPL with the appropriate daycare endorsement. Frequently Asked Questions What types of accounts are a good fit for this program?This program suits owner-occupied homes needing CPL and rental, vacant, seasonal, or short-term vacation properties under Premises Liability. Can properties titled under an LLC or corporation be covered?Yes. Corporate or LLC-owned properties are eligible under the Premises Liability option but are not eligible for CPL. Is this program available in all states?No. Coverage is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I get coverage for short-term vacation rentals?Yes. Short-term vacation rental exposures can be placed under Premises Liability with the appropriate endorsement. What optional endorsements are available?Optional coverages include Medical Payments, Acreage, Personal Injury (CPL only), Day Care (CPL only), and Short-term vacation rental (Premises only). Need help placing an account? Connect with a market specialist.