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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 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: Colonial General Insurance Agency, Inc. offers a specialized Mobile X-ray and Imaging Insurance program designed for businesses providing portable diagnostic imaging services. Whether your client is servicing nursing homes, assisted living facilities, correctional institutions, rehab centers, or homebound patients, this program offers tailored coverage solutions backed by A.M. Best A+ rated carriers. Overview of the Program From Colonial General Insurance Mobile X-ray and portable imaging businesses face unique liabilities as they operate outside traditional healthcare facilities. Colonial General understands this niche and provides access to flexible insurance options through top-rated carriers. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General helps agents like you place hard-to-insure risks with reliable markets. Ideal Accounts and Appetite Target classes for this program include: Mobile X-ray service providers Portable ultrasound, MRI, and CT scan operators Imaging technicians servicing long-term care facilities, surgical centers, and correctional institutions This program is ideal for accounts that deliver diagnostic services on-site at nursing homes, rehabilitation hospitals, adult assisted living residences, and private homes. If you have a client expanding into mobile diagnostics or starting a new venture with portable imaging, this program can help secure the right coverage. Coverage Highlights and Advantages Coverage options vary by carrier, but may include: Professional Liability (Medical Malpractice) General Liability Commercial Auto (for transport vehicles) Property and Inland Marine (for mobile equipment) Workers’ Compensation (in select markets) Colonial General works with carriers that understand the exposures involved in operating sensitive diagnostic equipment in variable environments. This ensures comprehensive protection for your insureds, whether they operate a fleet of mobile units or a single portable device. Underwriting Notes and Minimum Premiums Coverages and premiums will vary based on the carrier and the specific risk characteristics of the account. Underwriters will review operational scope, number of units, technician credentials, service areas, and claims history. While no fixed minimum premium is listed, this program is best suited for accounts with professional operations and clear risk management procedures. 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) Some admitted markets are available depending on the state and coverage needs. Non-admitted options are also accessible for more complex or high-risk accounts. Why Work With Colonial General Insurance Agency Colonial General has deep experience placing specialty healthcare and niche liability risks. Their team offers responsive underwriting support, access to top-tier carriers, and solutions tailored to the mobile healthcare space. If you’re an agent or broker looking for a reliable partner to place mobile imaging business, Colonial General is ready to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this Mobile X-ray and Imaging Insurance program?This program is ideal for businesses providing mobile diagnostic imaging services to nursing homes, assisted living facilities, correctional institutions, and homebound patients. What coverages are typically available under this program?Coverage options may include General Liability, Professional Liability, Commercial Auto, Property/Inland Marine for equipment, and Workers’ Compensation depending on the carrier and state. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Does this program offer admitted or non-admitted coverage?Some admitted markets are available; however, non-admitted options are also accessible depending on the risk and location. What information is required for underwriting?Underwriters typically look for operational details, technician qualifications, number and type of mobile units, service locations, and any prior claims history. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers specialized insurance solutions for nursing home transportation services. If you’re an agent or broker working with clients in the senior care or medical transportation space, this program can provide the protection they need for their passenger vans and transport operations. Reach out today to discuss a quote and placement options. Overview of the Program From Colonial General Colonial General brings decades of experience as a Managing General Agency and Excess & Surplus Lines Broker, providing tailored transportation programs across the Western U.S. Our Nursing Home Van Insurance program is designed to meet the unique risks faced by nursing homes and elder care facilities that transport residents for medical appointments, outings, or treatment centers. This program supports agents looking to place specialized auto liability and physical damage coverage for commercial passenger vans. Ideal Accounts and Appetite This program is ideal for facilities providing non-emergency transportation for elderly or disabled residents, particularly those under Medicare or Medicaid contracts. We work with agents placing business for nursing homes, assisted living facilities, and long-term care providers that operate vans with passenger seating. However, please note: We generally do not have markets for wheelchair-accessible vehicles in most states. Facilities must hold valid Medicare or Medicaid transportation contracts. If you have a client operating multiple vans with scheduled routes for residents, or a mid-sized nursing home transporting patients up to 500 miles away for care, this program could be a strong fit. Coverage Highlights and Advantages Commercial Auto Liability limits available up to $1,000,000 Combined Single Limit (CSL). Meets state and federal liability requirements based on passenger seating capacity (up to 1.5 million). Physical damage coverage with flexible deductible options ranging from $500 to $5,000. Radius of operation up to 500 miles. Cargo limits up to $100,000, including coverage for refrigerated cargo breakdown. This package offers robust protection for both the vehicles and the sensitive cargo being transported—your clients' residents. Underwriting Notes and Minimum Premiums Underwriting is handled on an account-by-account basis, with consideration given to experience, safety protocols, and compliance with Medicaid/Medicare standards. While no specific minimum premium is listed, we encourage agents to contact us for details based on vehicle count and coverage selections. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; otherwise, coverage is placed through non-admitted carriers as needed. Why Work With Colonial General? Colonial General is a trusted MGA and E&S broker with deep experience in transportation and niche healthcare-related risks. We offer access to a variety of markets and flexible underwriting for agents working with specialized accounts. Whether your client operates a single van or a fleet, we can help you place reliable coverage tailored to their needs. Frequently Asked Questions What types of accounts are a good fit for this program?Nursing homes, assisted living facilities, and elder care providers that operate vans for non-emergency transportation under Medicare or Medicaid contracts. Are wheelchair-accessible vehicles eligible for coverage?In most states, we do not have markets for wheelchair-accessible vehicles. Please contact us for specific state availability. What is the maximum coverage radius allowed?We offer radius options up to 500 miles for eligible accounts. Is this an admitted or non-admitted program?Some admitted markets are available, but many placements are made through non-admitted carriers depending on the state and risk profile. What cargo coverage options are available?We provide cargo coverage limits up to $100,000, including protection for refrigerated cargo breakdown. Need help placing an account? Connect with a market specialist.

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.

Policy Highlights: Smart taxi fleet owners and independent operators turn to Colonial General Insurance Agency, Inc. for tailored taxi service placements. As an experienced Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple markets, responsive underwriting, and flexible coverages designed for transportation risks. Overview of the Program From Colonial General The Taxi Service Insurance program is built for independent agents and brokers placing taxi fleets, single owner-operators, and non-emergency transport services. Colonial General combines market access with transportation underwriting expertise to help you meet state requirements and your clients’ operational needs. Ideal Accounts and Appetite This program is a good fit for: Taxi fleets with multiple vehicles Single-vehicle owner-operators Urban, suburban, and rural taxi operations Operators working within a 500-mile radius We consider both standard taxi operations and accounts with unique exposures. Typical fits include mid-sized metro fleets with modest loss histories and independent drivers with clean records. Examples you might submit: a 10-vehicle city fleet seeking primary liability and physical damage, or a single owner-operator running local routes who needs state-compliant limits and a flexible deductible. Coverage Highlights and Advantages Colonial General offers adaptable coverages to match state rules and client needs: Liability coverage: Up to $1,000,000 CSL Physical damage: Available with deductibles from $500 to $5,000 Radius of operation: Options up to 500 miles State minimums: Coverage available to meet required state limits Excess limits: Submissions above state minimums can be reviewed for placement Underwriting Notes and Minimum Premiums Underwriting focuses on vehicle type, radius of operation, driver experience, and loss history. Minimum premiums vary by market and the risk profile; Colonial General works with agents to identify the most appropriate markets and competitive options. Accounts needing limits above state minimums will receive individualized review and placement efforts. 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) Some markets are admitted while others may be non-admitted depending on state rules and the specific risk. Contact Colonial General for guidance on placement options and state eligibility. Why Work With Colonial General? Colonial General brings deep transportation underwriting knowledge and strong carrier relationships. As an MGA and E&S broker, they offer quick turnaround, flexible terms, and multiple market access — useful when standard carriers decline or when an account needs tailored limits or deductibles. Their team is experienced placing both small owner-operators and larger taxi fleets. If you need placement assistance or have a challenging taxi risk, Colonial General can evaluate alternatives across admitted and non-admitted markets and advise on the most viable submission strategy. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for taxi fleets, independent drivers, and transport services operating within a 500-mile radius in the available states. Can I submit a risk that requires coverage above the state minimum limits?Yes. Submissions that exceed state minimums will be reviewed on a case-by-case basis and may be placed with appropriate markets. What deductible options are available for physical damage coverage?Deductible options typically range from $500 to $5,000, depending on the specific risk and market availability. Is this program available in my state?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability can vary by market and risk characteristics. What is the process for submitting a risk?Provide the insured's details—vehicle count, radius of operation, driver experience, and loss history—and Colonial General will guide you through the submission and quoting process. 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.

Policy Highlights: Adult Day Care Errors and Omissions Insurance from Colonial General Insurance Agency, Inc. If you're looking to place coverage for adult day care facilities, Colonial General Insurance Agency, Inc. offers a specialized program that provides robust protection for licensed operations offering social and non-medical services to adults. This program is designed to meet the unique exposures of these facilities and offers flexible underwriting to accommodate a variety of risks. Ideal Accounts and Appetite This program is tailored for licensed adult day care centers that provide supervised, structured care and activities for adults—especially seniors—who require assistance during the day. These facilities often support clients with varying levels of mobility, cognitive conditions, or chronic illness, but do not provide overnight care or skilled nursing services. Ideal risks include: Standalone adult day care centers Facilities affiliated with senior centers or community organizations Operations that offer transportation or meal services Facilities with a strong safety record, trained staff, and clear abuse prevention protocols are generally preferred. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis and includes a range of essential protections: Primary Liability Limits: Up to $3,000,000 Occurrence / Aggregate Medical Payments: $5,000 Limit Errors and Omissions Coverage: Included Sexual and Physical Abuse Coverage: Starting at $100,000 Per Claim / $300,000 Aggregate (higher limits available) Additional Interests: Automatically included No Deductible: Applies to included coverages Optional Add-Ons: Crime, Property, Hired & Non-Owned Auto coverage This comprehensive package helps protect your clients from common exposures such as professional liability, abuse allegations, and day-to-day operational risks. Underwriting Notes Colonial General works with a variety of carriers, offering both admitted and non-admitted solutions depending on market availability. Underwriting is flexible but focuses on licensed facilities with appropriate staffing and risk management protocols in place. While no minimum premium is specified, submissions should be complete to ensure efficient quoting. Territories and Availability This program is currently available to agents and brokers with 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? Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty markets. Their team understands the unique risks associated with adult day care facilities and provides access to multiple carriers to help you place even the most complex accounts. With streamlined underwriting, competitive coverage options, and responsive service, Colonial General is a reliable partner for brokers focused on the senior services space. Whether you're working with a small nonprofit facility or a growing regional operator, Colonial General can help you deliver tailored insurance solutions that meet your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed adult day care centers offering social and non-medical services to adults are the best fit. Facilities with strong risk management in place are preferred. Is Errors and Omissions coverage included in the base policy?Yes, Errors and Omissions coverage is included as part of the standard policy package. Can I write this coverage on a mono-line basis?Yes, Colonial General offers both mono-line and package options depending on your client's needs. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are higher limits available for Sexual and Physical Abuse coverage?Yes, higher limits are available beyond the base $100,000 per claim / $300,000 aggregate. Contact underwriting for options. Need help placing an account? Connect with a market specialist.

Policy Highlights for Tanning Salon Insurance: Colonial General Insurance Agency, Inc. offers a focused Tanning Salon Insurance program to help agents and brokers place tanning-related businesses across the western United States. The program is designed for standalone UV tanning salons, spray-tanning studios, and salons or spas that include tanning services as part of a broader menu. Colonial General blends access to admitted and excess & surplus markets with underwriting tuned to this niche operation type. Ideal Accounts and Appetite This program accepts a broad range of tanning-related operations, including: Traditional UV tanning salons Spray-on tanning studios and mobile spray services Salons, spas, or wellness centers that operate tanning units alongside other services Typical examples you can place through this program: a boutique California spa that recently added spray tanning and needs general liability plus E&O; or a small multi-location tanning chain in Arizona seeking higher liability limits and equipment coverage. The underwriting is flexible enough for single-location shops and growing multi-unit operations, while limiting accounts with unusually high liability or regulatory concerns. Coverage Highlights and Advantages Property coverage is available as mono-line or part of a package and can include: Building and business personal property Business income and extra expense protection Equipment breakdown Computer equipment and valuable papers Accounts receivable Outside signs Coverage on Basic, Broad, or Special forms Replacement Cost or Actual Cash Value options Commercial General Liability features commonly available through the program: Primary limits up to $3,000,000 occurrence/aggregate Errors & Omissions (E&O) coverage to full policy limits $5,000 Medical Payments included Hired and Non-Owned Auto liability available Excess or Umbrella limits up to $25,000,000 No deductible required on some products Additional interests automatically included Crime coverage options include protection for: Theft of money and securities on-premises Robbery or safe burglary of other property Theft and other losses while funds are outside the premises Underwriting Notes and Minimum Premiums Colonial General evaluates tanning risks with attention to equipment condition, safety procedures, client screening, staff training, and whether services include mobile spray operations. Accounts with well-documented safety programs, routine equipment maintenance, and clear client consent procedures typically receive more favorable terms. Minimum premiums vary by carrier and state; accounts are evaluated individually and packages can be tailored to the account size and exposures. Territories and Availability This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage may be placed through admitted markets where available or through non-admitted (E&S) markets depending on the state and specific risk characteristics. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings niche expertise in personal and commercial specialty lines across the western U.S. Agents benefit from: Access to a variety of admitted and E&S carriers for tanning risks Underwriting that understands tanning-specific exposures (equipment, professional services, client procedures) Flexible mono-line or package options to match client needs Responsive service and assistance placing accounts quickly Whether you need a single mono-line property policy or a higher-limit liability package with E&O and crime, Colonial General can help you find a market and structure a policy for your tanning salon clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for standalone tanning salons, spray tanning studios, and salons or spas that offer tanning services as part of a broader menu. Is Errors and Omissions (E&O) coverage included?Yes, E&O coverage is included up to the policy limits, which is important for professional tanning services such as spray tanning or consultation-based treatments. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are mono-line property or liability policies available?Yes. You can place mono-line property or liability policies, or combine coverages into a tailored package depending on the account. Does the program include coverage for equipment breakdown?Yes, equipment breakdown coverage is available as part of the property options to protect tanning machines and related equipment. Need help placing an account? Connect with a market specialist.