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...e Agency, Inc. offers a targeted Pressure Cleaning Insurance program for agent...leaning operations?Yes. Residential pressure washing of driveways, sidewalks, ...

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Policy Highlights for Optometrist Insurance: Colonial General Insurance Agency, Inc. provides a dedicated Optometrist Insurance program to help agents and brokers place tailored coverage for optometry professionals. Whether your client is a solo practitioner or manages a multi-practitioner clinic, Colonial General offers market access and underwriting solutions to address the clinical and operational exposures common to modern optometry practices. Ideal Accounts and Appetite This program is designed for licensed optometrists and optometry practices that need combined professional and business coverages. Ideal accounts include: Independent optometrists in private practice Multi-practitioner clinics with diagnostic and treatment equipment Practices offering contact lens fittings, vision therapy, and pre/post-operative care Colonial General favors accounts with documented procedures, good recordkeeping and clean claims histories. Practices outside the typical scope of primary optometry care (for example, high-risk surgical centers performing complex ophthalmic surgeries) may require referral to a specialist market. Coverage Highlights and Advantages The Optometrist Insurance program combines professional and commercial coverages to protect both clinical exposures and day-to-day operations. Notable components include: Professional Liability: Defense and indemnity for alleged malpractice arising from optometric services. General Liability: Premises and third-party liability for bodily injury and property damage. Business Property: Coverage for office contents, furniture and diagnostic/treatment equipment. Hired & Non-Owned Auto: Liability for business use of employee personal or rented vehicles. Employment Practices Liability: Defense for claims alleging wrongful employment practices. Business Income & Extra Expense: Help maintaining cash flow during a covered interruption. Equipment Breakdown: Repair or replacement of essential diagnostic and treatment equipment. Worker’s Compensation: Competitive programs to meet state requirements and protect employees. Available limits, endorsements and pricing will vary by carrier and the specific risk characteristics of each practice. Underwriting Notes and Market Access Colonial General places optometry business in both admitted and non-admitted markets as appropriate for the state and account profile. The MGA’s carrier relationships allow flexibility — admitted capacity is available where offered by markets; E&S placement is an option for more complex or higher-exposure accounts. Key factors underwriters evaluate include claims history, types of services offered (e.g., diagnostic vs. surgical), total gross receipts, staff training, and equipment inventories. Complete submissions with loss runs, office protocols and equipment schedules typically receive faster review and placement. Territories and Availability This program is available to licensed agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Specific coverages and admitted options may vary by state and carrier, so confirm availability on a per-submission basis. Why Work With Colonial General As a Managing General Agency and E&S lines broker, Colonial General combines deep knowledge of healthcare exposures with broad market access to help you place optometry risks efficiently. The team focuses on responsive underwriting, pragmatic coverage solutions, and matching each submission with the most appropriate market. Example scenarios where this program fits well: You have a solo optometrist who needs professional liability, office property and equipment breakdown coverage for a new digital retinal camera. You represent a multi-doctor clinic expanding to a second location that requires combined GL, PL, business income and workers’ compensation placement. From start-ups to established practices, Colonial General supports agents with underwriting guidance and access to admitted and non-admitted solutions tailored to optometry operations. Frequently Asked Questions What types of accounts are a good fit for this program?Independent optometrists and small to mid-sized optometry practices with clean loss histories are an excellent fit. Multi-practitioner offices and clinics offering diagnostic services also qualify. What coverages are included in the Optometrist Insurance Program?The program includes Professional Liability, General Liability, Business Property, Employment Practices Liability, Equipment Breakdown, Business Income, and more. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Is this an admitted or non-admitted program?Colonial General offers access to both admitted and non-admitted markets, depending on the risk and state. What carriers does Colonial General work with for this program?Carrier availability varies. Colonial General matches each submission with an appropriate market based on underwriting guidelines and coverage needs. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Errors & Omissions (E&O) insurance program specifically for insurance agents and brokers. With access to a range of A.M. Best A+ rated admitted and non-admitted carriers, Colonial General can help you place dependable professional liability coverage with competitive pricing and broad terms tailored to agency operations. Ideal Accounts and Appetite This program is designed for retail insurance agents and brokers in the western U.S. who need professional liability protection for their advisory and transactional work. Typical fits include agencies that: Sell personal and commercial lines Provide employee benefits counseling and enrollment services Perform notary public duties or other related professional services Are involved in mutual fund and annuity sales Coverage is also available for independent contractors and temporary staff operating under an agency’s supervision. The program works well for solo practitioners and small agencies with clean loss histories as well as mid-sized agencies that have more specialized exposures. Coverage Highlights and Advantages Colonial General’s E&O policies include a range of features that help protect insureds from claims alleging professional errors, omissions, or negligent acts. Key advantages include: Access to both admitted and non-admitted markets with A+ rated carriers Coverage for independent contractors and temporary staff Protection for mutual fund and annuity sales Broad professional services definition that includes notary public, employee benefits counselor, and insurance agent/broker roles Coverage for care, custody & control of clients’ records Catastrophe extra expense reimbursement Defense costs available both inside and outside the limits Optional "First Dollar Defense" through select carriers Limits of liability from $1 million to $5 million, including split-limit options Low deductible options starting at $2,500 No property damage exclusion Underwriting Notes and Minimum Premiums Underwriting is submission-driven. Colonial General evaluates agency operations, product mix, staffing models (including use of independent producers), and loss history to match the account to the appropriate carrier and form. Minimum premiums start at $1,500, helping keep coverage accessible for smaller firms and solo practitioners. Clean risk histories, complete applications, and timely responses to underwriting questions will speed the quoting process. Territories and Availability This E&O program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General focuses on these western states and understands regional distribution models and regulatory nuances that affect placement. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines specialty commercial-lines expertise with direct access to quality admitted and non-admitted carriers. In-house underwriting and strong carrier relationships allow for flexible solutions, faster turnarounds, and hands-on support from submission through binding. You might have a client who recently added annuity or mutual fund sales and needs E&O coverage that includes financial products — this program can address that exposure. Or you may represent a regional agency with producers operating in multiple western states that requires consistent coverage and reliable claims handling. Colonial General’s markets are structured to accommodate both scenarios. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program is ideal for retail insurance agencies and brokers offering personal and commercial lines, employee benefits counseling, and financial products such as annuities or mutual funds. Is coverage available for independent contractors?Yes. The program includes coverage for independent contractors working under an agency, which accommodates agencies that use a mix of employees and contracted producers. What are the liability limits and deductible options?Limits range from $1 million to $5 million, with split-limit options available. Deductible choices include low options starting at $2,500; specific availability depends on carrier selection and account details. In which states is this program available?This Errors & Omissions program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is the minimum premium for this program?The minimum premium begins at $1,500, making the program a cost-effective option for smaller agencies and solo practitioners with favorable loss histories. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Allied Healthcare Insurance program designed to meet the unique needs of a wide range of allied health professionals. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents and brokers access to flexible coverage options across multiple states. Overview of the Program From Colonial General This program is tailored for independent agents and brokers seeking coverage solutions for allied health clients. Colonial General understands the liability exposures that healthcare service providers face and offers both Professional Liability and General Liability coverage on an occurrence or claims-made basis. Property coverage is also available, typically through a Business Owner’s Policy (BOP). Ideal Accounts and Appetite Colonial General’s Allied Healthcare Insurance program is a strong fit for many classes of allied health providers. Eligible classes may include, but are not limited to: Home health aides Physical and occupational therapists Medical clinics and wellness centers Behavioral health professionals Medical staffing and nurse registries If you have clients operating in outpatient care, rehabilitation, or providing non-emergency medical services, this program may be an excellent match. Accounts with a clean loss history and strong operational protocols are especially attractive. Coverage Highlights and Advantages Professional Liability and General Liability available on occurrence or claims-made forms Property coverage available via BOP for eligible risks Flexible underwriting across a wide array of allied health classes Access to both admitted and non-admitted markets (some available admitted options) Customizable limits and endorsements based on client needs Example: You might have a client who operates a small physical therapy clinic with three licensed therapists and minimal claims history. Colonial General can help you place this risk with appropriate liability and property coverage under a single policy. Underwriting Notes and Minimum Premiums Minimum premium requirements may vary depending on the class of business, coverage limits, and risk characteristics. While no specific minimum is listed, Colonial General works with agents to find competitive solutions for qualified accounts. Submission requirements may include a completed application, details on services provided, licensing, and loss history. 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). Agents in these regions can leverage Colonial General’s access to multiple carriers to find the right fit for their clients. Why Work With Colonial General on This Business With decades of experience in the healthcare and allied health markets, Colonial General offers reliable underwriting, responsive service, and access to a range of carrier partners. Their expertise in E&S and admitted markets allows agents to effectively place both standard and hard-to-place risks. Whether your client is a solo practitioner or a multi-location provider, Colonial General is ready to support your placement needs. Frequently Asked Questions What types of accounts are a good fit for this program?The program targets allied health professionals such as home health aides, therapists, outpatient clinics, and wellness providers with a clean loss history and solid operational procedures. What coverages are available through the Allied Healthcare program?Professional Liability and General Liability (on occurrence or claims-made forms) are available, along with property coverage typically offered under a Business Owner’s Policy. Is this program available on an admitted basis?Some admitted markets are available, but availability may vary by state and class of business. Colonial General also offers access to non-admitted options through its E&S channels. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is needed to submit a quote request?Typically, a completed application, details on services offered, licensing information, and recent loss history are required for underwriting review. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Miniature Golf Course Insurance program designed to help agents place both public and private golf-related businesses. Whether your client operates a standalone miniature golf course, an indoor or outdoor driving range, or a country club with a mini-golf amenity, this program provides flexible coverage options tailored to the unique risks of recreational golf facilities. Coverage is available on a monoline or package basis and delivers robust protection for property and liability exposures. Ideal Accounts and Appetite This program is best suited for: Standalone miniature golf courses Family entertainment centers with mini-golf components Indoor or outdoor driving ranges Public and private golf courses or country clubs with mini-golf Colonial General favors accounts with well-maintained premises, standard safety protocols, and minimal claims history. Examples of good fits: a seasonal mini-golf park in a resort or tourist area, or a year-round indoor course attached to a family entertainment center. Higher-hazard operations, locations with frequent losses, or venues with significant water hazards or extreme attractions may require additional underwriting review or be better placed elsewhere. Coverage Highlights and Advantages Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 occurrence and aggregate Additional insureds—automatically included Hired and non-owned auto liability $5,000 medical payments coverage Liquor liability—available for eligible operations Excess/Umbrella limits up to $25,000,000 No deductible required on liability Property Coverage Options: Building and contents coverage Business income and extra expense Computer equipment and electronics Contractor's equipment and inland marine for golf carts Coverage for damage to greens, tee boxes, and course features Food spoilage and equipment breakdown Sprinklers, valuable papers, and bailee’s coverage for pro shops Available on replacement cost or actual cash value basis Crime Coverage Features: Inside the premises – theft of money and securities Inside the premises – robbery or safe burglary of other property Outside the premises – theft and robbery protection Underwriting Notes and Minimum Premiums Colonial General reviews each submission individually, considering operations, location, safety protocols, and loss history. While no specific minimum premium is listed here, accounts should be commercially viable and meet standard underwriting criteria. Liability coverage typically carries no deductible, and optional excess limits are available for accounts that need higher limits. Territories and Availability This Miniature Golf Course Insurance program is available to agents placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and non-admitted market options may be available depending on the state and the risk profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines niche recreational property expertise with access to multiple markets. Agents benefit from a responsive underwriting team, flexible coverages, and the ability to place both admitted and non-admitted business where appropriate. This program is positioned to help you secure competitive limits and tailored terms for golf-related venues that meet underwriting standards. Frequently Asked Questions What types of accounts are a good fit for this program?Miniature golf courses, family fun centers with golf attractions, and indoor/outdoor driving ranges are ideal. Public or private golf-related venues with clean loss history and good maintenance practices are preferred. Is liquor liability available under this program?Yes. Liquor liability can be included when applicable, subject to underwriting review of the operations and controls in place. Are both property and liability coverages available?Yes. Coverage can be written on a monoline basis or packaged to include both property and liability, depending on the client’s needs. Which states is this program available in?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Do all risks qualify for admitted markets?Not all risks will qualify for admitted placement. Colonial General offers both admitted and non-admitted options based on the risk characteristics and location. Need help placing an account? Connect with a market specialist.