Search CompleteMarkets

...alable solutions for small service shops up to larger design and monitoring co...ility, Professional Liability (E&O), Workers’ Compensation, Auto Liability, Excess/Umbrell...

...lers, tire installation and repair shops, and specialty tire dealers such as t...

...f carts, bailee’s coverage for pro shops, equipment breakdown), and excess/umb...e gaps in coverage for ranges and pro shops. Experienced underwriting and fl...

...o $10,000,000. Package options: Workers’ Compensation, Commercial Auto, Crim...ity (E&O) are core. Excess/umbrella, workers’ compensation, commercial auto, crime, proper...

...d Marine (for mobile equipment) Workers’ Compensation (in select markets) C...rty/Inland Marine for equipment, and Workers’ Compensation depending on the carrier and st...

...bined GL, PL, business income and workers’ compensation placement. From start-ups to esta...

...lexible enough for single-location shops and growing multi-unit operations, wh...

...ers, and bailee’s coverage for pro shops Available on replacement cost or ac...

Policy Highlights for Medical Equipment Supply Stores Insurance: Colonial General Insurance Agency, Inc. provides targeted insurance solutions for medical equipment supply stores, including businesses that sell, rent, or lease home health care products and provide delivery or in-home setup. This program is built for agents and brokers who need flexible property, liability, and professional liability options for clients handling durable medical equipment (DME), oxygen supplies, mobility aids, hospital beds, and similar products. Ideal Accounts and Appetite The program focuses on small- to mid-sized operations whose primary business is retailing, renting, leasing, delivering, or servicing home medical equipment. Eligible account types commonly include: Medical equipment rental and leasing stores Home health equipment dealers and suppliers Retailers of oxygen tanks, hospital beds, wheelchairs, scooters, and related products Accounts that combine retail sales, delivery, installation, and ongoing service or maintenance are a particularly good fit. Typical fits include single-location dealers and multi-location independents with local delivery routes. Accounts that generally do not fit include large national distributors, heavy manufacturing operations, or businesses with significant on-site medical procedures. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $1,000,000 per occurrence / $3,000,000 aggregate $5,000 in medical payments—automatically included Errors & Omissions (E&O) available up to policy limits to address professional liability exposures from fitting, setup, or advice Excess/Umbrella limits accessible up to $25,000,000 No liability deductible required Optional additional insured endorsements available for $100 each Crime Theft of money and securities inside the premises Robbery and safe burglary coverage for other property Coverage can extend to certain incidents occurring away from the premises Property Available on Basic, Broad, or Special Form Building, contents, inventory, and computer equipment Business income and equipment breakdown coverage options Accounts receivable and valuable papers Outdoor signs and replacement cost options Underwriting Notes and Minimum Premiums Policies can be written mono-line or as packaged programs so you can tailor limits and coverages to the account. Colonial General underwrites these risks through multiple carrier partners; appetite and terms vary by carrier and state. While minimum premiums differ by market and risk characteristics, this program is positioned to be competitive for common small-business profiles. Territories and Availability This program is available in the Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General places business in both admitted and non-admitted markets depending on the state and the client’s risk profile — admitted options are available in some states, with excess & surplus solutions used where appropriate. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple markets. Their team understands exposures common to medical equipment suppliers—product and premises liability, professional liability from medical device setup, property exposures from inventory and oxygen tanks, and business interruption—so you can place accounts efficiently with terms that reflect the risk. Examples you might place through this program: A single-location DME dealer that rents hospital beds and provides same-day delivery and setup for local customers. An independent retailer that sells oxygen supplies and offers routine maintenance and in-home equipment checks across several nearby counties. Whether your client is a storefront operator with delivery routes or a multi-location supplier, Colonial General offers underwriting flexibility and market access to help you secure appropriate coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Businesses that rent, sell, or lease home medical equipment—such as wheelchairs, oxygen machines, or hospital beds—are ideal candidates. Accounts that combine retail operations with delivery, installation, or servicing are especially well-suited. Is Errors and Omissions (E&O) coverage included?E&O coverage is available as part of the program and can be written up to the policy limits to address professional liability exposures from product setup, fitting, or advice. Are mono-line or package policies available?Yes. Colonial General offers the flexibility to bind mono-line property or liability policies or combine coverages into a tailored package to meet client needs. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted options depends on the state and the chosen carrier. What carrier options are available?Colonial General works with a variety of carriers and can place risks in admitted or excess & surplus markets depending on the account’s characteristics and the preferred placement strategy. Need help placing an account? Connect with a market specialist.

Policy Highlights for Homeowners Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Homeowners Insurance program designed specifically for community-based residential associations. This program is ideal for agents and brokers looking to place business for established community housing groups where all construction and development are complete. Target risks include: Single-family homeowner associations Townhome and townhouse associations Residential and condominium associations Time-share condominium associations Cooperative housing corporations Coverages are available on a mono-line or package basis, allowing flexibility based on the unique needs of your insureds. Whether your client is managing a stand-alone HOA or a larger residential condo association, this program offers the depth of protection needed to safeguard both property and liability exposures. Property Coverage Available for Homeowners: This program provides a broad array of property protection options, including: Buildings and contents Replacement cost or actual cash value Business income coverage Computer equipment Equipment breakdown Accounts receivable and valuable papers Inland marine and outside signs Basic, Broad, or Special Form options Commercial General Liability Coverage: Primary limits up to $3 million occurrence/aggregate $5,000 medical payments included Additional interests included at no extra charge Hired and non-owned auto liability Excess or umbrella limits up to $25 million No deductible required Crime Coverage: Theft of money and securities inside the premises Robbery or safe burglary of other property inside the premises Theft and robbery exposures outside the premises Ideal Accounts and Appetite This program is best suited for well-maintained, established residential communities that have completed all construction activities. If you have a client managing a multi-unit townhome association or a mid-sized condominium complex with shared spaces and amenities, this program offers tailored protection for their exposures. Risks with active construction or incomplete development may not be eligible. Territories and Availability Colonial General’s Homeowners Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. The admitted status varies by market, giving you access to flexible underwriting solutions depending on your client's location. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise and market access to community association risks. Their underwriting team understands the nuances of shared residential living and can help you craft competitive, comprehensive coverage packages. With access to multiple carriers and flexible coverage forms, Colonial General supports agents in placing both standard and complex homeowner association accounts. Frequently Asked Questions What types of accounts are a good fit for this Homeowners Insurance program?Ideal accounts include completed residential communities such as homeowner associations, townhome associations, condominium associations, and cooperative housing corporations. Is this program available in my state?This program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by coverage type and carrier. Can I write both property and liability coverage through this program?Yes, the program supports mono-line or package policies, allowing you to place property, liability, and crime coverage as needed. Are there deductible requirements for liability coverage?No, this program does not require a deductible for commercial general liability coverage. What limits are available for umbrella or excess liability?Excess or umbrella limits are available up to $25 million, depending on the account and underwriting criteria. Need help placing an account? Connect with a market specialist.