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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...

...neers, and design consultants Therapists, counselors, and small outpatient b...s such as accountants, architects, therapists, consultants, and similar client...

Policy Highlights for Directors and Officers Insurance: In today’s litigious a...ible and comprehensive 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...

...th small businesses, professional offices, or mid-sized organizations, the pot...age can be packaged with Directors & Officers (D&O) liability and other manage...

...sis to match the needs of retail, office, light industrial, or mixed-use prope...al buildings such as retail centers, office complexes, light industrial buildi...

Policy Highlights for Dwelling Insurance: Colonial General Insurance Agency, Inc. offers a flexible Dwelling Insurance program built for owners of one-to-four-family residential properties. Whether your client has a single rental home or a small portfolio of investment properties, this program provides Property and Lessor’s Risk Liability coverage options. Coverage is available monoline or as a package, so you can tailor policies to occupancy, risk exposure, and client preferences. Ideal Accounts and Appetite This program is an excellent fit for: Owners of one-to-four-family dwellings, including single-family rentals and duplexes Landlords seeking Lessor’s Risk coverage Clients with small investment property portfolios Properties that may not qualify for standard admitted markets Ideal submissions have minimal recent loss history, stable tenant occupancy, and well-maintained buildings. Properties undergoing major renovation, with significant vacancy, or with unusual exposures are reviewed on a case-by-case basis and may require additional underwriting detail. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3 million per occurrence/aggregate Medical Payments: $5,000 included Additional interests included at no extra cost Optional Excess/Umbrella limits available up to $25 million No deductible required; premium credits available for higher deductibles: 5% credit for $1,000 deductible 10% credit for $2,500 deductible Property Coverage Options: Basic, Broad, and Special form options Building, Contents, and Business Income coverage Equipment breakdown protection available Valuation choices: Replacement Cost or Actual Cash Value Underwriting Notes Colonial General works with a variety of carriers and can place risks in both admitted and non-admitted markets depending on the property, state, and coverage needs. There is no listed minimum premium; however, underwriters expect complete submissions that include property details, occupancy, year built and updates, insurance history, and any prior losses. Underwriters focus on property condition, tenant profile, and loss-control measures when evaluating risk. Territories and Availability This Dwelling Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Availability and admitted vs. non-admitted options may vary by carrier and coverage type within these states. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple markets across the western U.S. Their underwriting team specializes in dwelling risks, including harder-to-place rentals and small schedules of properties. Agents benefit from flexible underwriting, competitive liability limits, and the ability to structure monoline or packaged placements to meet client needs. Explore the full program details on the Dwelling Insurance storefront or visit the Colonial General Insurance Agency profile for additional markets and programs. Frequently Asked Questions What types of accounts are a good fit for this Dwelling Insurance program?This program is best for one-to-four-family residential dwellings: single-family rentals, duplexes, triplexes, and fourplexes. It's aimed at landlords, property investors, and property managers with smaller schedules. Can I package property and liability coverage together?Yes. You can place property and Lessor’s Risk Liability either monoline or as a package so coverage aligns with the client's exposure and budget. Are admitted and non-admitted options available?Yes. Colonial General has access to both admitted and E&S markets. Which option applies depends on the state, carrier appetite, and specifics of the risk. What documents are needed for a submission?Include property details, occupancy type, year built and recent updates, current insurance and loss history, tenant mix, and any risk-control measures. Additional information may be requested for unique or higher-exposure risks. Which states is this program available in?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Specific coverage availability may vary by state and carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights for Dwelling Insurance: Colonial General Insurance Agency, Inc. offers a flexible Dwelling Insurance program built for owners of one-to-four-family residential properties. Whether your client has a single rental home or a small portfolio of investment properties, this program provides Property and Lessor’s Risk Liability coverage options. Coverage is available monoline or as a package, so you can tailor policies to occupancy, risk exposure, and client preferences. Ideal Accounts and Appetite This program is an excellent fit for: Owners of one-to-four-family dwellings, including single-family rentals and duplexes Landlords seeking Lessor’s Risk coverage Clients with small investment property portfolios Properties that may not qualify for standard admitted markets Ideal submissions have minimal recent loss history, stable tenant occupancy, and well-maintained buildings. Properties undergoing major renovation, with significant vacancy, or with unusual exposures are reviewed on a case-by-case basis and may require additional underwriting detail. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3 million per occurrence/aggregate Medical Payments: $5,000 included Additional interests included at no extra cost Optional Excess/Umbrella limits available up to $25 million No deductible required; premium credits available for higher deductibles: 5% credit for $1,000 deductible 10% credit for $2,500 deductible Property Coverage Options: Basic, Broad, and Special form options Building, Contents, and Business Income coverage Equipment breakdown protection available Valuation choices: Replacement Cost or Actual Cash Value Underwriting Notes Colonial General works with a variety of carriers and can place risks in both admitted and non-admitted markets depending on the property, state, and coverage needs. There is no listed minimum premium; however, underwriters expect complete submissions that include property details, occupancy, year built and updates, insurance history, and any prior losses. Underwriters focus on property condition, tenant profile, and loss-control measures when evaluating risk. Territories and Availability This Dwelling Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Availability and admitted vs. non-admitted options may vary by carrier and coverage type within these states. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple markets across the western U.S. Their underwriting team specializes in dwelling risks, including harder-to-place rentals and small schedules of properties. Agents benefit from flexible underwriting, competitive liability limits, and the ability to structure monoline or packaged placements to meet client needs. Explore the full program details on the Dwelling Insurance storefront or visit the Colonial General Insurance Agency profile for additional markets and programs. Frequently Asked Questions What types of accounts are a good fit for this Dwelling Insurance program?This program is best for one-to-four-family residential dwellings: single-family rentals, duplexes, triplexes, and fourplexes. It's aimed at landlords, property investors, and property managers with smaller schedules. Can I package property and liability coverage together?Yes. You can place property and Lessor’s Risk Liability either monoline or as a package so coverage aligns with the client's exposure and budget. Are admitted and non-admitted options available?Yes. Colonial General has access to both admitted and E&S markets. Which option applies depends on the state, carrier appetite, and specifics of the risk. What documents are needed for a submission?Include property details, occupancy type, year built and recent updates, current insurance and loss history, tenant mix, and any risk-control measures. Additional information may be requested for unique or higher-exposure risks. Which states is this program available in?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Specific coverage availability may vary by state and carrier. Need help placing an account? Connect with a market specialist.

...ures: retail stores, professional offices, restaurants and food-service operat... — for example, retail, restaurants, offices, and local multi-location chains ...