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Policy Highlights for Optometrist Insurance: Colonial General Insu...What coverages are included in the Optometrist Insurance Program?The program i...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Tire Dealers Insurance Program designed specifically for tire dealers and related automotive businesses. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General works with a variety of carriers to provide tailored solutions that address the unique risks faced by tire retailers, installers, and service operations. Overview of the Program From Colonial General This program is built for tire dealers that need specialized Commercial Garage coverage. Whether your client operates a single-location tire shop or a multi-bay service center, Colonial General can help you place coverage to meet their operational and liability exposures. Our experienced team is ready to assist with underwriting guidance and fast turnaround times. Ideal Accounts and Appetite The Tire Dealers Insurance Program is suitable for businesses involved in: New tire sales and installation Tire repair and balancing services Auto garages with tire-related services Specialty tire dealers (e.g., off-road, equipment tires) Used tire sales may be considered on a case-by-case basis. However, accounts engaged in recap, retread, or remanufactured tire services are excluded. "AS IS" auto sales are acceptable under the program. Coverage Highlights and Advantages The program offers a strong suite of coverages to protect your tire dealer clients from both common and specialized risks: Garage Liability Limits up to $1,000,000 per accident $3,000,000 Liability Aggregate Garage Keepers Coverage on a primary basis with specified causes of loss Dealers Physical Damage False Pretense Coverage Fire Legal Liability In-Transit Coverage for towing operations Broad Form Garage Endorsements $5,000 Medical Payments Property Coverage available Underwriting Notes and Minimum Premiums Colonial General evaluates each account individually. While no specific minimum premium is listed, accounts should demonstrate sound risk management practices and fall within the target class profile. Our underwriters are happy to work with you to determine eligibility and pricing. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options are available depending on the risk and market availability. Why Work With Colonial General Colonial General brings decades of experience serving agents and brokers in the Western U.S. We specialize in hard-to-place commercial risks and niche programs, offering access to a wide range of carriers and competitive solutions. Our team is responsive, knowledgeable, and committed to helping you grow your book of business with quality markets. If you have a tire shop client looking to expand into specialty tire sales or an automotive garage that needs stronger liability protection, Colonial General can help you secure the right coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include retail tire dealers, tire installation and repair shops, and specialty tire dealers such as those selling off-road or equipment tires. Are used tire sales eligible for coverage?Used tire sales may be considered depending on the nature of the operation. However, recap and retread tire services are excluded from this program. Is this program admitted or non-admitted?Both admitted and non-admitted markets are available depending on the state and risk profile. What states is this program available in?The Tire Dealers Insurance Program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I place coverage for a shop that also sells vehicles?Yes, "AS IS" auto sales are acceptable under this program, subject to underwriting review. Need help placing an account? Connect with a market specialist.

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Policy Highlights for our Building Material Trucking program: Colonial General Insurance Agency, Inc. offers a specialized Building Material Trucking Insurance program designed for agents and brokers seeking comprehensive cargo coverage solutions for clients in the construction hauling space. This program is ideal for insureds who transport various types of building materials to and from job sites, including perishable or fragile items that require extra protection during transit. Our coverage is tailored for construction truckers, heavy haulers, and operators of flatbeds, dump trucks, and other vehicles that carry building supplies such as lumber, steel, roofing materials, concrete forms, insulation, and more. With the unique risks involved in transporting these goods, having the right cargo insurance is essential—and Colonial General provides access to markets that understand these exposures. Ideal Accounts and Appetite This program is well-suited for independent contractors, owner-operators, and small to mid-sized trucking fleets specializing in hauling building materials. Target classes include: Lumber and wood products haulers Roofing and siding material transporters Steel and metal component delivery operators Concrete and masonry supply haulers Insulation and drywall transporters We work with accounts that need flexible coverage solutions and access to excess limits. Risks involving long-haul freight, regional routes, or local job site deliveries can all be considered based on underwriting. Coverage Highlights and Advantages Unlimited radius available on all monoline cargo policies Refrigeration breakdown included in cargo limits up to $100,000 Excess cargo up to $750,000 available over primary coverage This program helps protect against common losses such as cargo damage, theft, spoilage, and breakdowns that could delay delivery or compromise materials. Whether your client is hauling insulation across state lines or delivering steel beams to a commercial build, we can tailor the policy to fit their needs. Underwriting Notes and Minimum Premiums Colonial General evaluates each risk individually. While minimum premium details may vary by account and carrier, our underwriting team can assist in identifying the best fit for your client’s operations and coverage requirements. We work with a range of carriers, offering both admitted and non-admitted solutions depending on the specific state and risk characteristics. Territories and Availability This Building Material Trucking Insurance program is currently available in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Admitted markets are available in some states; please contact our team for state-specific options. Why Work With Colonial General Colonial General Insurance Agency is a Managing General Agency and Excess & Surplus Lines Broker with extensive experience in specialty transportation programs. We understand the unique needs of agents placing trucking and cargo-related risks and are committed to providing responsive service, competitive market access, and customized solutions. Whether you are placing coverage for an experienced hauler with multiple trucks or a new venture with one rig, we can help you deliver the right coverage for your client’s operation with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trucking operators who haul construction-related materials such as lumber, steel, roofing supplies, concrete forms, and insulation. Is there a radius limitation for cargo coverage?No, unlimited radius is available on all monoline cargo policies offered through this program. Can you write excess cargo coverage?Yes, we have markets that can provide excess coverage over primary cargo policies up to $750,000. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer admitted or non-admitted options?Some admitted markets are available depending on the state and risk profile. We also offer non-admitted solutions across our territories. Need help placing an account? Connect with a market specialist.

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Policy Highlights for Home Health Care Insurance: Colonial General Insurance Agency, Inc. offers a dedicated Home Health Care Insurance program tailored for agencies that deliver professional and non-professional services in residential settings. Whether your client operates a small local service or a growing multi-location agency, this program gives agents access to competitive coverage options on a mono-line or package basis and flexible placement through admitted and surplus markets. Ideal Accounts and Appetite This program is designed for independent agents placing coverage for: Home health care agencies providing nursing, physical therapy, skilled or unskilled personal care Non-medical caregivers offering companionship, housekeeping, meal preparation, or transportation Small to mid-sized operations serving individual homes (not institutional facilities) Preferred accounts have documented safety protocols, staff screening and training, incident reporting, and HIPAA/compliance practices. Agencies that serve high-risk patients (e.g., complex wound care, high-acuity respiratory support) or operate in non-residential/institutional settings may require enhanced underwriting review or be considered outside the appetite. Example accounts you might place: a two-branch caregiver service that provides companion care, medication reminders and light ADL assistance; or a licensed home health agency offering skilled nursing and outpatient PT for post-surgical patients with established training and quality control programs. Coverage Highlights and Advantages Commercial General Liability Primary limits: up to $1,000,000 per occurrence / $3,000,000 aggregate Excess/umbrella limits: capacity up to $25,000,000 Included and available coverages: Medical payments — $5,000 limit Errors & Omissions (professional liability) — available up to policy limits Sexual and/or physical abuse coverage — $50,000 per claim / $100,000 aggregate (higher limits available) No deductible required for standard GL placements Crime Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage available Property Building and contents Business income and extra expense Computer equipment and equipment breakdown Accounts receivable and valuable papers Inland marine, outside signs Basic, broad, or special form; replacement cost or ACV options Underwriting Notes and Market Access Colonial General places accounts in admitted territories where available and uses surplus lines when appropriate. Underwriters evaluate operational history, staff hiring and training practices, written policies and procedures, loss history, and the specific services provided when structuring coverage. There are no blanket minimum premium rules — quotes are customized to the size and exposures of the account. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets exist in some states; when admitted capacity is not available, Colonial General can access E&S carriers to secure coverage. Why Work With Colonial General? As a Managing General Agency and E&S broker with focused expertise in niche health care and service-based risks, Colonial General offers agents responsive underwriting, broad market access, and personalized placement support. Agents benefit from underwriters who understand common home health exposures and can structure combined GL, E&O and property solutions for growing agencies. Frequently Asked Questions What types of accounts are a good fit for this program?Home health care agencies that provide professional or non-professional services in residential settings — for example, licensed home health agencies, private duty nursing, and non-medical caregiver services — are core fits for this program. Is this program available on an admitted basis?Some markets are admitted depending on the state and the account profile. Colonial General also places business with surplus lines carriers when admitted capacity is limited or unavailable. Are package options available, or is it mono-line only?You can place coverage on a mono-line basis or bundle GL, E&O, property, and crime into a package to fit the client’s needs and exposures. What states is this program offered in?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I get higher limits for abuse or professional liability coverage?Yes. Higher optional limits for sexual/physical abuse and professional liability are available — contact Colonial General underwriting to discuss limits and terms for your specific account. Need help placing an account? Connect with a market specialist.

Policy Highlights for Motel Insurance: Colonial General Insurance Agency, Inc. provides a focused Motel Insurance program tailored to the risks faced by lodging operations. Whether your client runs a small roadside motel, a mid-size motor inn, or a seasonal lodge, this program offers flexible Property and Liability coverages on a mono-line or packaged basis. The appetite includes hotels, motels, motor inns, tourist cabins and courts, dude ranches, and other similar hospitality businesses. Ideal Accounts and Appetite This program is built for businesses that provide overnight lodging and related services—food and beverage, limited recreation, and guest services. Preferred accounts have clean loss histories, basic risk management in place, and clear property descriptions. Strong fits include a family-owned 40-room motel in a tourist corridor or a lakeside lodge offering seasonal cabins and limited on-site dining. Accounts with large conference operations, extensive spa facilities, or significant tenant-occupied space may require additional underwriting review or alternative markets. Coverage Highlights and Advantages Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payments—included Additional interests included at no charge Hired and Non-Owned Auto Liability Innkeepers Liability Liquor Liability Excess/Umbrella capacity up to $25,000,000 Loss prevention brochure available to insureds Property Coverage Includes: Building and contents coverage Basic, Broad, or Special form options Business Income and Extra Expense Computer equipment and valuable papers Equipment breakdown protection Food spoilage coverage Accounts receivable coverage Inland marine and outside signs Replacement cost or actual cash value valuation options Crime Coverage Includes: Inside the premises—theft of money and securities Inside the premises—robbery or safe burglary of other property Outside the premises coverage Underwriting Notes Colonial General works with a mix of admitted and surplus markets to place both standard and hard-to-place risks. Provide clear operations descriptions, recent loss runs, and up-to-date property details to help underwriters assess exposures and speed placement. While minimum premiums vary by market and state, the program is structured to handle small to mid-sized lodging risks as well as accounts requiring higher limits or specialty enhancements. Territories and Availability This Motel Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines deep hospitality underwriting expertise with broad market access. Agents benefit from tailored coverage options (including innkeepers and liquor liability), high liability limits, and a streamlined submission process. Colonial General’s relationships with multiple admitted and non-admitted carriers help place accounts that need flexible terms or niche enhancements. Frequently Asked Questions What types of accounts are a good fit for this program?Hotels, motels, motor inns, resorts, tourist cabins, tourist courts, and dude ranches are strong candidates—particularly operations focused on overnight lodging with limited ancillary exposures. Is this program available on an admitted or non-admitted basis?Colonial General can access both admitted and non-admitted markets. The placement depends on the account’s size, location, and specific exposures. What limits are available under the General Liability coverage?Primary liability limits are available up to $3,000,000 Occurrence/Aggregate, with excess or umbrella capacity up to $25,000,000. Which states is this program offered in?This program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program include Liquor or Innkeepers Liability?Yes. Liquor Liability and Innkeepers Liability are available, subject to underwriting review and any state-specific requirements. Need help placing an account? Connect with a market specialist.

Policy Highlights for Occupational Therapist Insurance: As an insurance agent or broker placing coverage for healthcare professionals, you need markets that understand therapy-related exposures. Colonial General Insurance Agency, Inc. offers an Occupational Therapist Insurance program designed to place individual professional liability for occupational therapists in a variety of practice settings. Whether your client is a solo practitioner, a part-time contractor, or volunteers in the community, this program provides flexible options that supplement or replace employer-provided coverage when gaps exist. Overview of the Program From Colonial General Colonial General Insurance Agency is a Managing General Agency and Excess & Surplus Lines broker serving independent agents across the western United States. With access to multiple admitted and non-admitted markets, Colonial General combines underwriting reach and allied-health expertise to place occupational therapist risks. This program is tailored to the exposures therapy professionals face and is intended for individual practitioners rather than large clinic or facility risks. Ideal Accounts and Appetite This program is a fit when an individual occupational therapist needs their own professional liability coverage—either as standalone protection or to fill gaps in an employer policy. Typical placements include: Occupational therapists in private practice or small independent offices Part-time, per-diem, or contract therapists Therapists who provide home healthcare services Professionals engaged in volunteer or community-based therapy work Not a good fit: large therapy clinics, multi-disciplinary facilities with many practitioners on one policy, or accounts requiring facility/general liability packaging. You should submit individual exposures with clear work setting and license information for the best results. Example scenarios agents place well: A part-time occupational therapist who works at two outpatient clinics and wants an individual policy to cover work outside employer hours. A therapist who provides home health visits and volunteers at a nonprofit — requiring coverage for services performed away from an employer’s premises. Coverage Highlights and Advantages This program is designed to address common gaps and individual exposures for occupational therapists. Typical features you can expect to place include: Higher individual policy limits to protect clinicians when employer limits are inadequate Legal defense cost coverage and representation for licensing board hearings Reimbursement for lost wages while attending legal proceedings or hearings Coverage for services performed outside the primary workplace, including volunteer work and home visits Actual terms, limits, and endorsements depend on the carrier and the therapist’s risk profile. Colonial General works to match each submission to the most appropriate market available. Underwriting Notes and Minimum Premiums Underwriting evaluates credentials, license status, practice setting, claims history, and procedures performed. Provide complete applications and current claims information to speed placement. Colonial General has relationships with both admitted and non-admitted carriers, which helps place risks that need flexible terms. Specific minimum premiums vary by carrier and state; submit the account to receive detailed pricing and market options. Territories and Availability This Occupational Therapist Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some states may offer admitted paper while others require non-admitted placement depending on carrier appetite and the individual risk. Why Work With Colonial General? Colonial General provides independent agents with experienced underwriting and access to a broad panel of allied-health markets. Their western U.S. focus, MGA and E&S capabilities, and familiarity with therapy-related exposures make them a responsive partner when you need flexible professional liability solutions for occupational therapists. Frequently Asked Questions What types of accounts are a good fit for this Occupational Therapist Insurance program?This program is designed for individual occupational therapists—including independent practitioners, part-time clinicians, and volunteers—who need standalone or supplemental professional liability coverage. Can this program cover therapists who work in multiple locations or on a contract basis?Yes. The program accommodates therapists who work in varied settings such as outpatient clinics, clients’ homes, and contract assignments. Be sure to disclose multi-location and home visit activity on the application. Are defense costs and licensing board hearings covered?Typically yes. Policies placed through this program often include defense costs and reimbursement for licensing board hearings—coverage that may not be provided by an employer policy. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted carriers varies by state and by specific account characteristics. What information is needed to submit an application?Provide a completed application with details on the therapist’s license status, work settings, services performed, and claims history. Complete submissions help Colonial General place risks more efficiently. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Pawn Shop Insurance program specifically designed for businesses involved in lending money on personal property or purchasing personal items for resale. Whether your client operates a small independent pawn shop or a multi-location operation, this program provides flexible options for both Property and General Liability coverage on a mono-line or package basis. Ideal Accounts and Appetite This program is an excellent fit for retail pawn shops located in the Western U.S. that: Lend money on personal items left as collateral Buy and sell secondhand goods, jewelry, electronics, and collectibles Maintain on-premises inventory and safes Accounts with well-documented procedures for security, appraisals, and recordkeeping are considered favorably. We can accommodate both new ventures and established operations, though underwriting may vary depending on experience and loss history. Coverage Highlights and Advantages Property Coverage options include: Accounts Receivable Basic, Broad, or Special Form (Excluding Theft) Building—Replacement Cost or Actual Cash Value Business Income Business Personal Property—Subject to Evaluation Clause Computer Equipment Equipment Breakdown Outside Signs Valuable Papers Crime Coverage options include: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Commercial General Liability Coverage includes: Primary limits up to $3,000,000 Occurrence/Aggregate Hired and Non-Owned Auto coverage $5,000 Medical Payments—Included Additional Interests—Included at no charge Excess or Umbrella limits up to $25,000,000 No deductible required Contractual Liability Limitation Note: Products/Completed Operations coverage is excluded under this program. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to match the right market to each risk. While minimum premium requirements vary depending on coverage selections and risk characteristics, our underwriters are available to discuss submissions and tailor coverage packages to meet your clients' specific needs. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; however, non-admitted options may be used when needed to meet unique risk requirements. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and strong carrier relationships to help agents place specialty and hard-to-place risks. Our Pawn Shop Insurance program reflects our commitment to niche markets and underwriting expertise in retail operations with unique exposures. Agents benefit from responsive service, flexible underwriting, and access to multiple markets under one roof. For example, if you have a client with a pawn shop in downtown Denver that handles jewelry, electronics, and firearms, we can help you structure a package that includes property, crime, and liability coverage to protect their inventory and operations. Or, if your client recently opened a new pawn shop in Nevada and needs affordable liability coverage with optional crime enhancements, this program is well-positioned to deliver. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail pawn shops that lend money on personal items or purchase goods for resale. Stores with inventory, safes, and solid loss control practices are preferred. Is this program available in admitted markets?Yes, Colonial General offers both admitted and non-admitted options depending on the state and risk profile. Availability varies by carrier and coverage selections. Can I submit new ventures or startups?Yes, new pawn shop operations may be eligible. Underwriters will evaluate the owner's experience, business plan, and projected operations. Are package policies available?Yes, policies can be written on a mono-line or package basis. You can combine property, general liability, and crime coverage into a single policy. Which states is the Pawn Shop Insurance program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Policy Highlights for Pest Control Services Insurance: If you're an agent or broker placing pest control insurance, Colonial General Insurance Agency, Inc. offers a flexible, specialty solution. This program can be written on a mono-line or packaged basis and provides Property and Liability options tailored for pest control service providers. Eligible operations include detection and treatment of insect and animal infestations (for example rodents, birds, bats, raccoons), wildlife removal and fumigation, placement and removal of radon test canisters, and herbicide application. Ideal Accounts and Appetite This program fits pest control contractors and exterminators of all sizes — from single-crew residential operators to larger multi-crew commercial firms. Accounts that perform fumigation, wildlife removal, pest-related inspections (including wood-destroying organism inspections), radon testing, and pesticide/herbicide application are within appetite. High-hazard operations, unusual pollutants, or significant habitational risks may require additional underwriting review or alternative placement. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence / Aggregate Additional Interests: $100 each Blanket Additional Insured option: $250 Excess/Umbrella limits up to $25,000,000 Included Coverages: $5,000 Medical Payments Coverage Pesticide/Herbicide Applicator Coverage – policy limits Wood Destroying Organism Inspection – $25,000 per occurrence / $100,000 aggregate (higher limits available) In-Transit Pollution – $25,000 per occurrence / $100,000 aggregate Property Damage Extension (Care, Custody, Control) – up to $200,000 per occurrence / $300,000 aggregate Lost Key Coverage – $25,000 limit No deductible required A Loss Prevention Brochure is included to help insureds reduce common operational risks. Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form options Building and Contents Business Income Computer and Contractor’s Equipment Equipment Breakdown Outside Signs Replacement Cost or Actual Cash Value Valuable Papers Crime Coverage Available: Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes Colonial General works with a variety of carrier partners (varies by risk) and can place business admitted or non-admitted depending on state and the submission. There is no stated deductible for many liability features and competitive pricing options are available. Provide detailed loss history, equipment lists, pesticide/herbicide usage procedures, and any inspection or fumigation protocols with the submission to speed underwriting. Higher limits for WDO inspection and in-transit pollution can be quoted on request. Territories and Availability This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability and admitted/non-admitted options vary by state—contact Colonial General for market-specific details and carrier access. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings targeted expertise for niche commercial risks. Their pest control program combines flexible limits, specialized coverages (applicator and WDO inspection features), and underwriting that understands field exposures. Colonial General’s platform helps agents place accounts that may be difficult to bind in standard markets while offering loss control resources and responsive underwriting support. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include residential and commercial pest control operators, exterminators, wildlife removal contractors, companies that perform fumigation, radon test placement/removal, and businesses that apply herbicides. Is coverage available for wildlife control or fumigation services?Yes. Wildlife removal and fumigation are eligible but will be reviewed by underwriting to confirm scope of operations and any special controls needed. Are higher limits available for inspection or pollution coverage?Yes. Higher limits for Wood Destroying Organism inspections and In-Transit Pollution coverage can be quoted upon request based on the account’s exposures and loss history. Can I package Property and Liability together?Yes. Colonial General offers both mono-line and package (combined property and liability) options to match the client’s needs and simplify placement. Which states is this program available in?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Contact Colonial General for specific market availability within those states. Need help placing an account? Connect with a market specialist.