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...ent who manages multiple community pools and hires part-time lifeguards. Or pe...

...exiting state funds, assigned risk pools, or similar plans New ventures wi...laims, or those exiting assigned risk pools are the primary candidates for thi...

...n-ground and above-ground swimming pools, hot tubs, and spas. Whether your client builds custom pools or services residential spas, this pr...n, repair, or maintenance of swimming pools, hot tubs, and spas. Residential a...

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...s currently in state-assigned risk pools, Novatae Risk Group can help you secu...lace accounts currently in state risk pools?Yes. We specialize in transitioning clients from state-assigned risk pools into private-market placements whe...

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Policy Highlights for Guide Insurance: Colonial General Insurance Agency, Inc. offers a specialized Guide Insurance program designed for outdoor recreational service providers. This program is ideal for businesses offering guided activities such as hunting, fishing, hiking, backpacking, and cross-country skiing. It also accommodates outfitters who supply outdoor equipment and gear without directly providing guide services. Ideal Accounts and Appetite This program targets small to mid-sized guide and outfitter operations located in the western U.S., including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Eligible classes include: Hunting and fishing guides Hiking and backpacking tour providers Cross-country skiing instructors and guides Outdoor equipment suppliers and outfitters (non-guided) Whether your client operates seasonally or year-round, Colonial General can help you place coverage that addresses the unique exposures of guiding services in rugged and remote environments. Coverage Highlights and Advantages Commercial General Liability Coverage available for guides: Primary limits up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments included Errors and Omissions Coverage—up to policy limits Excess or Umbrella limits up to $25,000,000 No deductible required Property Coverage available: Building, Contents, and Business Income Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value options Computer Equipment and Equipment Breakdown Scheduled Property Floater and Inland Marine Valuable Papers and Accounts Receivable Outside Signs Crime Coverage available for guides: Inside the Premises—Theft of Money and Securities Robbery or Safe Burglary of Other Property Outside the Premises coverage for transit exposures This comprehensive suite of coverages ensures your clients are protected from typical exposures faced by outdoor recreation businesses, including professional liability, property loss, and crime-related risks. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to provide flexible solutions tailored to each account. While minimum premiums are not listed, underwriting is competitive and responsive. Submissions are evaluated based on services offered, experience, safety protocols, and geographic location. You might have a client who runs a small outfitter shop in Colorado that rents gear and occasionally leads weekend backpacking trips. Or perhaps a fishing guide in Idaho looking for liability protection and inland marine coverage for boats and equipment. These types of operations may be a strong fit for this program. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage is offered through both admitted and non-admitted markets, depending on the risk characteristics and state regulations. Why Work With Colonial General Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and E&S broker with deep expertise in niche and hard-to-place risks. Their Guide Insurance program reflects a strong understanding of the outdoor recreation industry and its unique insurance needs. With access to multiple markets and a flexible underwriting approach, Colonial General helps independent agents place business efficiently and competitively. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include guided hunting, fishing, hiking, and cross-country skiing operations, as well as outfitters that provide outdoor gear without offering guided services. Is Errors and Omissions (E&O) coverage included?Yes, E&O coverage is included up to the policy limits as part of the Commercial General Liability section. Can this coverage be written on a mono-line basis?Yes, both mono-line and package policy options are available to suit your client’s needs. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What carriers does Colonial General work with for this program?Colonial General works with a variety of carriers and markets, offering both admitted and non-admitted options depending on the account and location. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Halfway House Errors and Omissions Insurance program designed for health care and social service facilities. This program is ideal for agents and brokers seeking coverage solutions for halfway houses that provide voluntary outpatient services or temporary stays. With access to both admitted and non-admitted markets, Colonial General can tailor coverage to meet the unique exposures faced by these facilities. Ideal Accounts and Appetite This program targets halfway houses and transitional living facilities that operate within a structured framework and provide services such as rehabilitation, counseling, or community reentry support. Eligible operations typically offer outpatient treatment, temporary residential stays, or social services in a regulated environment. Examples of good-fit accounts include: A nonprofit halfway house providing addiction recovery and counseling services for adult men. A transitional facility assisting recently released inmates with job placement and reintegration programs. Coverage Highlights and Advantages Agents can access comprehensive coverage on a mono-line or package basis, with flexible limits and optional endorsements tailored to the needs of halfway houses. Key coverages include: Primary Limits up to $3,000,000 Occurrence/Aggregate Errors and Omissions Coverage Medical Payments Coverage – $5,000 Limit Hired and Non-Owned Auto Liability Sexual and Physical Abuse Coverage – Limits up to $25,000 per claim / $50,000 aggregate (higher limits available) Crime Coverage (optional) Property Coverage (optional) Additional Interests – $100 Each Packages can include: Professional Liability General Liability Abuse and Molestation Coverage Property Insurance Hired and Non-Owned Auto Underwriting Notes and Deductibles Minimum deductible starts at $500, with additional deductible options of $2,500 and $5,000 available based on underwriting. Premiums vary depending on facility size, class, and services offered. Both lower and higher limits may be available with carrier approval. Territories and Availability This program is available through Colonial General in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Access to some admitted markets is available depending on the risk and location. Why Work With Colonial General As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing specialty risks. Their strong relationships with various carriers, combined with a deep understanding of healthcare and social service risks, make them a valuable partner for agents placing halfway house accounts. You’ll benefit from responsive service, underwriting expertise, and tailored coverage solutions that protect your clients and strengthen your portfolio. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for halfway houses and transitional living facilities offering outpatient services, temporary housing, or social rehabilitation programs. Are both property and liability coverages available?Yes, coverage can be written on a mono-line or package basis, with options for property, general liability, professional liability, and more. What is the minimum deductible for Errors and Omissions coverage?The minimum deductible is $500, with higher deductible options of $2,500 and $5,000 available based on underwriting. Is coverage available in admitted markets?Some admitted markets are available depending on the risk profile and location of the insured operation. 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 for Hall Insurance: Colonial General Insurance Agency, Inc. offers a specialized Hall Insurance program tailored for venues and food-service providers operating in event settings. Eligible operations include banquet and reception halls, event venues, independent caterers, catering trucks, sandwich and food trucks, and ice cream vendors serving weddings, private parties, business meetings, fairs and festivals. Coverage can be written on a mono-line or package basis to match a wide range of client needs. Ideal Accounts and Appetite This program is a strong fit for insureds that host events or provide mobile food service. Typical accounts include: Banquet and reception halls used for weddings, conferences, or private events Event venues that host public and private gatherings Independent catering companies providing on-site event food service Mobile food vendors such as catering trucks and ice cream trucks Whether the client operates a fixed event space or a fleet of mobile vendors, Colonial General’s Hall Insurance program addresses the common liability, property and crime exposures these operations face. Coverage Highlights and Advantages General Liability (CGL) Coverage: Primary limits available up to $3,000,000 occurrence/aggregate $5,000 Medical Payments coverage included Liquor liability offered where appropriate and where state rules allow Excess or umbrella limits offered up to $25,000,000 Additional interests can be added for $100 each No deductible required on the primary liability forms Property Coverage Options: Building and contents coverage Business income and equipment breakdown Computer equipment and valuable papers Food spoilage, outside signs, and inland marine Accounts receivable Basic, broad, or special form available Choice of replacement cost or actual cash value valuation Crime Coverage Available: Inside the premises—theft of money and securities Inside the premises—robbery or safe burglary of other property Outside the premises coverage for transit and off-site exposures Underwriting Notes and Minimum Premiums Colonial General places accounts in both admitted and non-admitted markets depending on state and risk characteristics. Underwriting evaluates exposures such as alcohol service, kitchen operations, vehicle operations for mobile vendors, special-event hazards, and premises security. There is no single stated minimum premium; agents should submit details so underwriters can quote appropriately for the size and complexity of the account. Territories and Availability The Hall Insurance program is available in: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings focused expertise in hospitality and event-related risks. The firm leverages admitted and E&S markets to tailor solutions for venues and food-service operators, offering flexible coverages and capacity for larger limits. Colonial General's underwriters understand the operational nuances of event venues and mobile vendors and can coordinate property, liability, liquor and inland marine needs on a single placement when appropriate. Example scenarios that fit this program: You have a client who operates a mid-sized banquet hall that occasionally serves alcohol and needs combined property, general liability and liquor liability coverage. You represent a mobile ice cream vendor that attends seasonal fairs and festivals and needs general liability plus inland marine or auto-related coverage for equipment and stock. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for banquet halls, event venues, catering services, food trucks, and ice cream trucks that serve private and public events. Is liquor liability coverage available?Yes. Liquor liability can be included as part of General Liability where appropriate, subject to the risk profile and state regulations. What is the maximum limit available under the umbrella policy?Excess and umbrella limits are available up to $25,000,000. Do you offer coverage for mobile food vendors operating across multiple states?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Mobile vendors operating within these states can be considered; multistate exposures should be detailed on submission. Are there any minimum premium requirements?No specific minimum premium is listed. Submissions are evaluated and priced based on exposure, limits and coverage selections. Need help placing an account? Connect with a market specialist.