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Policy Highlights for Long Term Care Facilities Insurance: Colonial General Insurance Agency, Inc. offers a competitive, flexible Long Term Care Facilities Insurance program tailored for independent living and assisted living facilities. With a widened underwriting appetite and reduced base rates, this program helps agents and brokers place more long-term care risks — including newer facilities and accounts with more complex exposures — using solutions designed for this niche. Ideal Accounts and Appetite This program is well-suited for: Assisted living facilities Independent living communities Small to medium-sized long-term care operations Preferred accounts are those that emphasize resident safety, maintain clean loss histories, and demonstrate strong management and risk-control practices. Facilities with documented risk management programs and locations in favorable legal venues may qualify for favorable credits and broader terms. Example: You might have a client operating a 40-unit assisted living facility in Utah with no major claims in the past five years — that profile typically fits well with this program given the updated coverages and lower base rates. Coverage Highlights and Advantages Colonial General’s Long Term Care Facilities Insurance program delivers broad liability solutions and expanded options for assisted and independent living operations. Key features include: For assisted and independent living: Lower base rates designed to increase placement opportunities Removal of the assault and battery exclusion where allowable Occurrence-form coverage available for independent living facilities Medical payments for non-residents with $2,500 and $10,000 limit options Broadened coverages and options: Higher limits for sexual abuse and molestation exposures Punitive damages coverage where legally permitted Split liability limits to better manage complex exposures Defense costs outside the limits of liability Communicable disease coverage Expanded territory options and credits for preferred venues Underwriting Notes and Minimum Premiums The program is accessible through both admitted and non-admitted markets depending on the state and account characteristics. Colonial General partners with multiple carriers to align the risk with the most appropriate market. Minimum premium thresholds vary by carrier and jurisdiction; the program’s reduced base rates make it practical for a wide range of account sizes. Territories and Availability Coverage is available for risks located 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 combines deep market access with focused underwriting expertise for the long-term care sector. They support independent agents and brokers by placing business other markets may decline and by offering responsive service, flexible terms, and an expanded appetite for assisted and independent living risks. To learn more about this program or explore additional markets, visit Colonial General Insurance Agency, Inc.. Frequently Asked Questions What types of accounts are a good fit for this program?Assisted living and independent living facilities with clean loss histories, documented risk controls, and strong management practices are the best fits for this program. Are both admitted and non-admitted options available?Yes. Colonial General places accounts in admitted and non-admitted markets depending on the state and the specific characteristics of the risk. Is occurrence form coverage available?Yes. Occurrence-form coverage is available for independent living facilities under this program, subject to underwriting. Does the policy include coverage for communicable diseases?Yes. Communicable disease coverage is part of the program to help facilities manage that exposure where offered by the underlying carrier. In which states is this program available?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: Colonial General Insurance Agency, Inc. offers a specialized Mobile Mechanics Insurance program tailored for mobile auto repair professionals—whether working full-time, part-time, or from a fixed location. This program is designed specifically for the unique exposures faced by mobile mechanics, helping you provide your clients with broad protection for their operations, tools, vehicles, and customer property. Ideal Accounts and Appetite This program is ideal for mobile mechanics operating independently or with a small crew, including those who: Perform repairs on-site at customer locations or homes Operate towing services or roadside assistance Provide light mechanical work from a garage or shop Handle customer vehicles under their care, custody, or control Whether your client is just starting out or has an established mobile operation, this program can accommodate a wide range of risk profiles. Accounts with a clear loss history and well-maintained operations are preferred. Coverage Highlights and Advantages Colonial General’s mobile mechanic program includes Commercial Garage Coverage tailored to the needs of auto service professionals: Garage Liability Limits up to $1,000,000 per accident $3,000,000 General Liability Aggregate $5,000 Medical Payments 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 Broadened Coverage for additional peace of mind Property Coverage available Roadside Assistance operations acceptable Coverage extends to both the mechanic’s own service vehicles and customers’ vehicles while in their possession, providing well-rounded protection for on-the-go operations. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer flexible underwriting solutions through both admitted and non-admitted markets, depending on the state and risk profile. A detailed application and operational overview will help determine the best fit for your client. While specific minimum premiums may vary by market and state, this program is designed to be accessible for small to mid-sized operations. Contact Colonial General for underwriting guidelines and eligibility criteria. Territories and Availability This Mobile Mechanics 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) Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche motor trade markets. Their longstanding relationships with a variety of carriers allow them to tailor coverage to meet the needs of non-standard and hard-to-place risks. You’ll benefit from responsive service, knowledgeable underwriters, and access to comprehensive coverage solutions for your mobile mechanic clients. Whether your client is a solo mobile mechanic offering roadside diagnostics or a multi-vehicle towing and repair operation, Colonial General can help you find the right fit. Place your next mobile mechanic account with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile mechanics, roadside assistance providers, and small auto repair businesses operating on-site or from a small garage. Is coverage available for customer vehicles in the mechanic’s care?Yes, Garage Keepers Coverage is included on a primary basis to protect customer vehicles while in the insured’s possession. Can this program accommodate towing operations?Yes, in-transit coverage is available for towing operations, making the program suitable for mechanics who also offer towing services. Which states is this program available in?The program is currently available 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 state requirements. Need help placing an account? Connect with a market specialist.

Policy Highlights for Liquor Liability Insurance: Colonial General Insurance Agency, Inc. offers a focused Liquor Liability Insurance program for licensed businesses that sell or serve alcohol. The program helps independent agents and brokers place liquor liability coverage for a wide range of accounts, including restaurants, bars, taverns, nightclubs, convenience and grocery stores, hotels and motels, package/liquor stores, special events, breweries, wineries, and alcohol manufacturers or distributors. Ideal Accounts and Appetite This program fits accounts that maintain strong alcohol-service controls and where staff complete alcohol-awareness/server training (for example, TIPS or TOPS). Underwriters prefer risks with a mature customer base (majority over age 30) and where liquor sales are a smaller portion of total revenue (typically under 25%). Example accounts that typically qualify include: A family-owned restaurant with a beer-and-wine license and trained waitstaff A wine-tasting room with limited hours and strict ID-checking procedures A community event organizer operating a licensed beer garden staffed by trained volunteers Coverage Highlights and Advantages Colonial General’s Liquor Liability program is available as a mono-line policy or as part of a package. Key features include: Primary limits up to $3,000,000 per occurrence and $3,000,000 aggregate No deductible required Excess or umbrella limits available up to $25,000,000 (umbrella not available for mono-line policies) Additional interests can be added for $100 each Assault and Battery limited liability coverage included for bars and taverns, with $25,000 per event / $50,000 aggregate limits Underwriting Notes and Minimum Premiums Alcohol server training (TIPS, TOPS) is strongly preferred and may be required Underwriters favor businesses with mature clientele and low liquor-to-total-sales ratios Eligible accounts may qualify for credits based on controls and loss history Low minimum premiums make this program accessible to many small and mid-sized hospitality operations. Final pricing depends on risk characteristics, state rules, and coverages selected. Territories and Availability This Liquor Liability program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some states offer admitted markets; other placements may be written on a non-admitted basis depending on eligibility and carrier availability. Why Work With Colonial General Insurance Agency, Inc.? As an experienced Managing General Agency and Excess & Surplus Lines broker, Colonial General combines specialty underwriting expertise with access to multiple carrier markets. Agents benefit from responsive underwriting, flexible limit options, and assistance placing hard-to-place or unusual liquor liability risks. Colonial General focuses on practical risk controls and partner service to help you place accounts efficiently and competitively. To learn more about this program or to view additional markets, visit the Colonial General Insurance Agency, Inc. profile. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?Restaurants, bars, taverns, nightclubs, package/liquor stores, tasting rooms, breweries/wineries, and licensed event operators with trained staff and documented alcohol-service procedures are good fits. Is the program available as a mono-line policy?Yes. Liquor Liability can be written mono-line or as part of a package. Note that umbrella coverage is not offered for mono-line policies. What coverage limits are available?Primary limits are available up to $3 million per occurrence and $3 million aggregate. Excess and umbrella capacity can extend up to $25 million where eligible. What underwriting characteristics improve a submission’s chances?Submissions showing staff alcohol-server training (TIPS/TOPS), strong ID and service controls, low liquor-to-total-sales ratios (under ~25%), and mature clientele generally receive favorable consideration. Which states are eligible for this program?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may be admitted or non-admitted depending on the state and carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights: Vacant Building Insurance Program from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a flexible and reliable Vacant Building Insurance program designed to help independent agents and brokers place coverage for vacant or unoccupied properties. Whether your client owns a commercial building awaiting new tenants or a residential property undergoing minor renovations, this program provides tailored solutions to meet their needs. Ideal Accounts and Appetite This program is ideal for: Vacant or unoccupied commercial buildings, including office spaces, retail properties, and warehouses Residential properties that are currently vacant and awaiting sale, lease, or minor renovation Buildings undergoing light, incidental renovation work (non-structural) Monoline General Liability is available for vacant residential dwellings, while commercial buildings can be written on a package or monoline basis. Risks with heavy structural work or long-term vacancy without maintenance may not qualify. Coverage Highlights and Advantages Property Coverage Options: Available on Basic, Broad, or Special Form Coverage for Building and Business Personal Property Choice of Replacement Cost or Actual Cash Value General Liability Coverage Includes: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage—Included Additional Interests—Included at no extra cost Coverage limited to designated premises Excess or Umbrella limits available up to $25 million No deductible required A helpful Loss Prevention Brochure is also available to assist insureds in minimizing risk and maintaining their properties safely while vacant. Underwriting Notes Colonial General works with a variety of carriers to find competitive solutions for vacant property exposures. Although no minimum premium is specified, underwriting focus is placed on well-maintained properties with clear plans for future use. Renovation activity must be incidental and non-structural in nature. 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), and Wyoming (WY). Availability may vary depending on the risk profile and carrier preferences. Why Work with Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep underwriting expertise and strong carrier relationships to the table. Their Vacant Building Insurance program provides agents with access to both admitted and non-admitted markets, depending on risk characteristics. Whether you're placing a temporary vacancy or a longer-term unoccupied property, you can rely on Colonial General for responsive service and adaptable solutions. Example: You may have a client who owns a small retail building that recently lost its tenant and expects a new lease to begin in a few months. Or perhaps a homeowner needs coverage for a property on the market that is currently empty. Colonial General can help you place these types of accounts quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Vacant commercial and residential properties that are well-maintained and may have incidental, non-structural renovations are typically a good fit. This includes office buildings, retail spaces, and homes listed for sale or rent. Can I write General Liability coverage only?Yes, monoline General Liability is available for vacant residential properties. Commercial properties can be written on a monoline or package basis. Are renovations allowed on the property?Yes, but only incidental, non-structural renovation work is acceptable. Properties undergoing major structural changes may not qualify. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier and risk type. Does the program offer admitted markets?Some admitted markets are available, depending on the risk profile and underwriting criteria. Colonial General also offers non-admitted options through their E&S capabilities. Need help placing an account? Connect with a market specialist.

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Convenience Store Insurance Program From Colonial General Colonial General Insurance Agency, Inc. offers a Convenience Store Insurance program designed for independent agents and brokers placing small grocery, food, and convenience retail accounts. The program targets compact retail locations and supports accounts that may include fuel sales or a limited automatic car wash bay. With access to both admitted and non-admitted markets, Colonial General combines specialty underwriting with flexible placement options. Ideal Accounts and Appetite This program is intended for retail locations that are 3,000 square feet or less, including: Convenience stores (with or without fuel sales) Small food marts and corner grocery stores Locations with a single coin-operated, drive-through, automatic car wash bay Good fits are high-traffic neighborhood stores, owner-operated mini-marts, or retail sites that supplement sales with limited services. Accounts that exceed the size threshold, have full-service car washes, heavy auto service operations, or unusual high-hazard exposures may be outside the program's appetite. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $3,000,000 occurrence / aggregate Liquor liability available when applicable $5,000 Medical Payments—included Additional interests included Excess/umbrella capacity up to $25,000,000 No deductible required for general liability Property Options Building and contents coverage Business income and extra expense Computer equipment and equipment breakdown Food spoilage and outside signs Accounts receivable and valuable papers Basic, broad, or special form available Choice of replacement cost or actual cash value Crime Coverage Theft of money and securities—inside the premises Robbery and safe burglary—inside the premises Theft or robbery—outside the premises Underwriting Notes and Minimum Premiums Colonial General underwrites each risk individually to align coverage and pricing with the account’s exposures. The program is structured to be competitive for small retail accounts; general liability has no deductible, which can simplify loss handling for insureds. Specific minimum premiums vary by market and state—contact Colonial General for details on a particular submission. Territories and Availability This program is available to licensed agents and brokers in the following states: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets are available in some states; non-admitted placements are also offered depending on the risk and carrier appetite. Reach out to Colonial General for state-specific underwriting eligibility and admitted/non-admitted options. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to a broad set of specialty carriers suitable for small retail exposures. Their underwriting team focuses on pragmatic, tailored solutions for convenience stores and small food retailers, helping you place accounts that might otherwise be hard to place in standard markets. Colonial General can assist with flexible limits, crime and property endorsements, and excess capacity when needed. Example Accounts You Can Place A 1,200 sq. ft. neighborhood convenience store that sells packaged beer and needs liquor liability and property coverage. A 2,800 sq. ft. food mart with a single automatic coin-operated car wash bay seeking combined liability, property, and crime protection. Frequently Asked Questions What types of accounts are a good fit for this Convenience Store Insurance program? This program fits small convenience stores, mini-marts, and food stores under 3,000 square feet, including locations with fuel sales or a single automatic car wash bay. Is liquor liability coverage available under this program? Yes. Liquor liability can be included with the commercial general liability package when the insured’s operations require it. What states is this program available in? The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by market and class of business. Are admitted carriers available through this program? Yes. Admitted markets are available in some states; Colonial General also places business with non-admitted carriers where appropriate. Does this program include crime coverage? Yes. Crime coverage options include theft of money and securities, robbery, and burglary for inside and outside premises exposures. Need help placing an account? Connect with a market specialist.

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Overview — Colonial General Insurance Agency: Garbage Hauling Insurance Colonial General Insurance Agency, Inc. offers a targeted Garbage Haulers and Waste Disposal program designed for independent agents and brokers placing commercial waste-hauling risks. As an experienced managing general agency and excess & surplus lines broker, Colonial General works with a variety of admitted and non-admitted markets to provide flexible liability, physical damage, cargo and excess auto options for roll-off, residential/ commercial trash, recycling and related waste operations. Ideal Accounts and Appetite This program is a good fit for: Local and regional refuse haulers (residential and commercial routes) Roll-off/dumpster operators, transfer station pickups and container services Recycling haulers and mixed solid waste carriers Hazardous materials haulers in eligible classes (note: specific limits in CA) Less appropriate accounts typically include long-haul interstate fleet operations with specialized high-hazard exposures or heavily deteriorated safety programs. Each submission is reviewed by underwriting for class, fleet size, safety record and loss history. Coverage Highlights and Advantages Program features give you multiple ways to structure coverage for the unique exposures of waste haulers: Auto Liability: Primary limits available up to $1,000,000 (in California hazardous materials haulers may qualify for $1,200,000 primary). Buffer/Layered Auto Liability: Options to add buffer layers to achieve combined limits. Physical Damage: Comprehensive and collision available with deductible choices typically ranging from $500 to $5,000. Cargo: Limits up to $100,000; coverage can include refrigerated cargo breakdown where applicable. Excess Auto: Capacity to place higher limits via excess layers. Radius options: Flexible territory/radius schedules up to 500 miles to match operational patterns. Regulatory and state filings: Assistance with filings where required by state regulators. Underwriting Notes Underwriting focuses on fleet safety, driver hiring and monitoring practices, vehicle maintenance, loss history and the types of materials transported. Common items under review include: CSA scores and MVRs for drivers Recent loss runs and frequency/severity trends Equipment age and maintenance programs Special operations (e.g., hazardous waste) that may require enhanced terms Carriers and admitted status vary by state and account profile; Colonial General places business in both admitted and surplus markets as appropriate. Territories and Availability The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Availability and admitted vs. non-admitted placement will depend on the carrier, the class of business and the insured’s operations. Why Work With Colonial General on Garbage Hauling Business Colonial General combines program underwriting expertise and market access to help you place challenging waste-hauling risks. The MGA’s flexibility on limits, physical damage deductible options and cargo protection — plus support for state filings — makes this program a practical option when standard markets are constrained. Carriers vary by account; underwriting is geared to evaluate and structure coverage for common hauler exposures rather than offer one-size-fits-all terms. Example placements You may have a local roll-off operator with a mixed residential/commercial route and a modest fleet who needs $1,000,000 auto liability, physical damage with a $1,000 deductible and cargo limits — this program can be structured to fit that profile. A small municipal contractor running within a 200-mile radius with clean loss runs and maintained equipment could qualify for primary liability and excess options through Colonial General’s carrier panel. Frequently Asked Questions What types of garbage hauling accounts are a good fit for this program?The program targets local and regional refuse haulers, roll-off and dumpster services, transfer pickup operators, and recycling haulers. Accounts with documented safety and maintenance programs and standard solid waste operations are best suited. What liability and cargo limits are available?Primary auto liability limits are available up to $1,000,000 (with select hazardous materials haulers in California eligible for $1,200,000 primary). Cargo limits are available up to $100,000 and can include refrigerated cargo breakdown where applicable. Excess layers are also available through market capacity. Are admitted markets available?Yes — Colonial General places business in both admitted and excess & surplus markets. Actual admitted availability depends on state and the specific risk characteristics. What submission information do underwriters typically need?Provide a completed application, current loss runs (usually 3–5 years), driver MVRs or summary, vehicle list and details on safety/maintenance programs. The more detail on operations and controls, the better the chance of favorable terms. Need help placing an account? Connect with a market specialist.

Group homes serve as vital residential facilities for individuals with chronic disabilities, developmental delays, or behavioral challenges. These homes typically house six or fewer individuals and provide 24/7 care through trained staff. As an agent or broker, you understand the unique risks these operations face—including professional liability, general liability, and property exposures. Colonial General Insurance Agency, Inc. offers a specialized Group Home Insurance program tailored to meet these specific needs. Overview of the Program from Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a range of markets, including some admitted options. Our Group Home Insurance program is designed for small, community-based residential settings that care for children or adults with chronic disabilities. Our goal is to help agents like you place these sensitive and specialized risks with confidence. Ideal Accounts and Appetite This program targets group homes that operate in a professional, structured environment with trained staff. Ideal accounts include: Privately owned group homes for adults with developmental or physical disabilities Children’s group homes with state or private licensing Homes that do not transport clients (non-owned auto can still be included) We are best suited for standard, single-family homes that are licensed or certified and follow established care protocols. Homes involved in high-risk behaviors, unlicensed operations, or facilities with histories of abuse or neglect may not qualify. Coverage Highlights and Advantages Our program provides flexible and comprehensive coverage options, including: Separate or combined Commercial General Liability (CGL) and Professional Liability (PL) limits Occurrence form General Liability coverage Defense costs either inside or in addition to policy limits Punitive damages coverage where permissible Minimum premium range from $2,000 to $4,000, depending on policy limits Incident-sensitive coverage with a discovery clause Primary coverage available for employed MDs and psychologists Non-owned auto coverage available Underwriting Notes and Minimum Premiums Underwriting is focused on the safety and management practices of the facility, staff qualifications, and claims history. Minimum premiums typically start between $2,000 and $4,000, depending on coverage limits and the specifics of the risk. Providing complete and accurate applications with supporting documentation will help speed the underwriting process. Territories and Availability This Group Home Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. We have access to admitted and non-admitted markets depending on the location and risk profile. Why Work With Colonial General? With Colonial General, you gain a partner who understands the complexities of group home risks. Our internal underwriting expertise, broad market access, and flexible coverage structures make us a strong choice for agents seeking reliable solutions for these sensitive accounts. Whether your client is opening a new facility or looking to improve coverage terms on an existing one, our team is ready to assist. Frequently Asked Questions What types of group homes are eligible for this program?Eligible homes typically include licensed residential facilities for adults or children with developmental, physical, or behavioral challenges, operating in a single-family home setting. Is professional liability included in the policy?Yes, professional liability can be written separately or combined with general liability, depending on the risk and the insured’s needs. Do you offer coverage for staff who are licensed medical professionals?Yes, primary coverage is available for on-staff MDs and psychologists as part of the program. What is the minimum premium for this program?Minimum premiums typically range from $2,000 to $4,000, depending on policy limits and underwriting factors. In which states is this program available?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.