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...gency, Inc. offers a comprehensive Pawn Shop Insurance program specifically de... a single policy. Which states is the Pawn Shop Insurance program available in...

...s without operating history. Pawn shops or businesses whose primary operation is retail pawn rather than repossession contracting. ...

...cy Highlights: Auto body and paint shops require specialty insurance products,...proof lighting. High-end custom paint shops are subject to exclusions or highe...

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

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

Policy Highlights for Private School Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Private School Insurance program tailored for agents and brokers looking to place educational institution accounts. This program is designed for private elementary, middle, and high schools, as well as private technical, trade, and vocational schools that provide job-specific certification. Learning centers and tutoring services are also eligible, making this a versatile solution for a wide range of educational clients. Ideal Accounts and Target Classes This program is best suited for: Private K-12 schools with structured curriculums Vocational and trade schools offering certifications Private technical institutions and career-focused training centers Supplemental learning centers and tutoring facilities Whether your client operates a large private school or a small specialized training center, Colonial General can help provide tailored coverage solutions. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 per occurrence and aggregate Errors and Omissions coverage for teaching staff Medical payments coverage included—$5,000 limit Sexual and Physical Abuse coverage—$25,000 per claim / $50,000 aggregate included Excess or umbrella limits available up to $25,000,000 No deductible required Property Coverage Options: Building and contents coverage with replacement cost or actual cash value Business income protection Electronic data processing and equipment breakdown Accounts receivable and valuable papers Food spoilage and outside signs Forms available: Basic, Broad, or Special Crime Coverage Options: Theft of money and securities inside the premises Robbery or safe burglary of other property inside the premises Certain coverages available for losses occurring outside the premises Underwriting Notes and Program Access Coverages can be written on a mono-line or package basis, giving you flexibility based on your client’s risk profile. No deductible is required for general liability, and various property and crime coverages can be customized per account needs. The program is placed through various carriers depending on risk, with some admitted options available. Available States This program is available to agents and brokers placing risks in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General? Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in niche markets like private education. Their strategic carrier relationships and underwriting experience allow them to handle both standard and hard-to-place risks efficiently. Agents benefit from responsive service, flexible underwriting, and access to competitive markets for educational institutions. For example, if you have a client running a private culinary school offering certification programs, or a tutoring center expanding into multiple locations, Colonial General can help you build the right coverage package to protect those operations effectively. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for private K-12 schools, vocational and trade schools, technical training centers, and tutoring or learning centers that offer structured curriculums or certifications. Can I write mono-line coverage or does it have to be a package?You can write coverage on a mono-line or package basis, depending on your client’s needs and exposures. Is this program available on an admitted basis?Some markets are admitted, but availability depends on the specific risk and location. Colonial General will help determine the best placement. What limits are available for general liability?Primary general liability limits are available up to $3,000,000 per occurrence and aggregate, with excess and umbrella limits up to $25,000,000. Which states is this 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.

...nts Specialty pastry and dessert shops Accounts producing or selling baked ... baking plants, and specialty dessert shops are all strong candidates for this...

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

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

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Welding Insurance program designed for contractors performing welding or cutting services for others. This program is ideal for accounts with limited exposure—specifically, those with no more than 15% of their gross receipts coming from metal erection or machinery/equipment installation, servicing, or repair. It is not intended for risks primarily involved in fabrication work. Ideal Accounts and Appetite This program targets small to mid-sized mobile or on-site welding contractors. Suitable accounts include independent welders performing repairs, maintenance, or specialty welding in commercial or industrial settings. For example, if you have a client who performs mobile welding on construction sites but has minimal involvement in structural steel erection, this program could be a strong fit. Accounts that focus heavily on fabrication or have significant exposures related to equipment installation or servicing are outside the appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3 million occurrence/aggregate Medical Payments Coverage included with a $5,000 limit Excess or Umbrella limits up to $25 million available Minimum deductible of $500 applies Crime Coverage: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Property Coverage Options: Basic, Broad, or Special Form Building and Business Personal Property Accounts Receivable Business Income Computer and Contractors’ Equipment Equipment Breakdown and Installation Floater Outside Signs Valuable Papers Replacement Cost or Actual Cash Value Underwriting Notes and Minimum Premiums While underwriting flexibility is available, a minimum deductible of $500 is required. Accounts should be well-managed with a clear focus on welding or cutting services. Risks primarily engaged in fabrication are not eligible. Submit complete applications with accurate revenue breakdowns to ensure proper classification and pricing. Territories and Availability This Welding Insurance 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 jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty contractor programs. By working with Colonial General, you gain access to a variety of markets and tailored underwriting support for welding-related accounts. Their focus on regional availability and practical coverage solutions makes them a valuable partner for agents and brokers placing niche contractor risks. Frequently Asked Questions What types of accounts are a good fit for this Welding Insurance program?Independent welding contractors who perform on-site or mobile services with limited involvement in metal erection or equipment installation are a good fit. Fabrication-focused businesses are not eligible. Is the program available on an admitted basis?Some markets are available on an admitted basis, depending on the state and nature of the risk. Non-admitted options are also offered. What is the maximum liability limit available?The program offers primary liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million. In which states is the program currently available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What are common reasons a risk may not be eligible?Risks primarily involved in fabrication, or those with more than 15% of receipts from metal erection or equipment installation, generally do not qualify. Need help placing an account? Connect with a market specialist.