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Policy Highlights for Dwelling Insurance: Colonial General Insurance Agency, Inc. offers a flexible Dwelling Insurance program built for owners of one-to-four-family residential properties. Whether your client has a single rental home or a small portfolio of investment properties, this program provides Property and Lessor’s Risk Liability coverage options. Coverage is available monoline or as a package, so you can tailor policies to occupancy, risk exposure, and client preferences. Ideal Accounts and Appetite This program is an excellent fit for: Owners of one-to-four-family dwellings, including single-family rentals and duplexes Landlords seeking Lessor’s Risk coverage Clients with small investment property portfolios Properties that may not qualify for standard admitted markets Ideal submissions have minimal recent loss history, stable tenant occupancy, and well-maintained buildings. Properties undergoing major renovation, with significant vacancy, or with unusual exposures are reviewed on a case-by-case basis and may require additional underwriting detail. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3 million per occurrence/aggregate Medical Payments: $5,000 included Additional interests included at no extra cost Optional Excess/Umbrella limits available up to $25 million No deductible required; premium credits available for higher deductibles: 5% credit for $1,000 deductible 10% credit for $2,500 deductible Property Coverage Options: Basic, Broad, and Special form options Building, Contents, and Business Income coverage Equipment breakdown protection available Valuation choices: Replacement Cost or Actual Cash Value Underwriting Notes Colonial General works with a variety of carriers and can place risks in both admitted and non-admitted markets depending on the property, state, and coverage needs. There is no listed minimum premium; however, underwriters expect complete submissions that include property details, occupancy, year built and updates, insurance history, and any prior losses. Underwriters focus on property condition, tenant profile, and loss-control measures when evaluating risk. Territories and Availability This Dwelling 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) Availability and admitted vs. non-admitted options may vary by carrier and coverage type within these states. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple markets across the western U.S. Their underwriting team specializes in dwelling risks, including harder-to-place rentals and small schedules of properties. Agents benefit from flexible underwriting, competitive liability limits, and the ability to structure monoline or packaged placements to meet client needs. Explore the full program details on the Dwelling Insurance storefront or visit the Colonial General Insurance Agency profile for additional markets and programs. Frequently Asked Questions What types of accounts are a good fit for this Dwelling Insurance program?This program is best for one-to-four-family residential dwellings: single-family rentals, duplexes, triplexes, and fourplexes. It's aimed at landlords, property investors, and property managers with smaller schedules. Can I package property and liability coverage together?Yes. You can place property and Lessor’s Risk Liability either monoline or as a package so coverage aligns with the client's exposure and budget. Are admitted and non-admitted options available?Yes. Colonial General has access to both admitted and E&S markets. Which option applies depends on the state, carrier appetite, and specifics of the risk. What documents are needed for a submission?Include property details, occupancy type, year built and recent updates, current insurance and loss history, tenant mix, and any risk-control measures. Additional information may be requested for unique or higher-exposure risks. Which states is this program available in?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Specific coverage availability may vary by state and carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights for Dwelling Insurance: Colonial General Insurance Agency, Inc. offers a flexible Dwelling Insurance program built for owners of one-to-four-family residential properties. Whether your client has a single rental home or a small portfolio of investment properties, this program provides Property and Lessor’s Risk Liability coverage options. Coverage is available monoline or as a package, so you can tailor policies to occupancy, risk exposure, and client preferences. Ideal Accounts and Appetite This program is an excellent fit for: Owners of one-to-four-family dwellings, including single-family rentals and duplexes Landlords seeking Lessor’s Risk coverage Clients with small investment property portfolios Properties that may not qualify for standard admitted markets Ideal submissions have minimal recent loss history, stable tenant occupancy, and well-maintained buildings. Properties undergoing major renovation, with significant vacancy, or with unusual exposures are reviewed on a case-by-case basis and may require additional underwriting detail. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3 million per occurrence/aggregate Medical Payments: $5,000 included Additional interests included at no extra cost Optional Excess/Umbrella limits available up to $25 million No deductible required; premium credits available for higher deductibles: 5% credit for $1,000 deductible 10% credit for $2,500 deductible Property Coverage Options: Basic, Broad, and Special form options Building, Contents, and Business Income coverage Equipment breakdown protection available Valuation choices: Replacement Cost or Actual Cash Value Underwriting Notes Colonial General works with a variety of carriers and can place risks in both admitted and non-admitted markets depending on the property, state, and coverage needs. There is no listed minimum premium; however, underwriters expect complete submissions that include property details, occupancy, year built and updates, insurance history, and any prior losses. Underwriters focus on property condition, tenant profile, and loss-control measures when evaluating risk. Territories and Availability This Dwelling 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) Availability and admitted vs. non-admitted options may vary by carrier and coverage type within these states. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple markets across the western U.S. Their underwriting team specializes in dwelling risks, including harder-to-place rentals and small schedules of properties. Agents benefit from flexible underwriting, competitive liability limits, and the ability to structure monoline or packaged placements to meet client needs. Explore the full program details on the Dwelling Insurance storefront or visit the Colonial General Insurance Agency profile for additional markets and programs. Frequently Asked Questions What types of accounts are a good fit for this Dwelling Insurance program?This program is best for one-to-four-family residential dwellings: single-family rentals, duplexes, triplexes, and fourplexes. It's aimed at landlords, property investors, and property managers with smaller schedules. Can I package property and liability coverage together?Yes. You can place property and Lessor’s Risk Liability either monoline or as a package so coverage aligns with the client's exposure and budget. Are admitted and non-admitted options available?Yes. Colonial General has access to both admitted and E&S markets. Which option applies depends on the state, carrier appetite, and specifics of the risk. What documents are needed for a submission?Include property details, occupancy type, year built and recent updates, current insurance and loss history, tenant mix, and any risk-control measures. Additional information may be requested for unique or higher-exposure risks. Which states is this program available in?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Specific coverage availability may vary by state and carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights for Restaurant Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Restaurant Insurance program designed to help agents and brokers place a wide range of food service risks. Whether your client operates a dine-in restaurant, a take-out establishment, or a hybrid model, this program provides tailored solutions to meet their unique exposures. Coverage is available on a mono-line or package basis, with flexible options to suit different business needs. Please note that alcohol sales must be less than 30% of gross sales to qualify. Ideal Accounts and Appetite This program is best suited for small to mid-sized restaurants, cafés, diners, bistros, and other food service businesses that primarily focus on food sales rather than alcohol. Typical accounts include: Family-style restaurants with limited bar service Quick-service and take-out only establishments Ethnic restaurants with dine-in and carry-out service Cafés and coffee shops offering light food menus Accounts that rely heavily on alcohol sales (over 30% of revenue) or operate as nightclubs or bars are outside the current appetite. Coverage Highlights and Advantages Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments Coverage—Included Additional Interests—Included at no additional cost Liquor Liability Coverage available Excess or Umbrella Limits up to $25,000,000 No deductible required Property Coverage Options: Building and Contents Business Income and Extra Expense Computer Equipment Food Spoilage and Equipment Breakdown Accounts Receivable and Valuable Papers Outside Signs and Inland Marine Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value (ACV) options Crime Coverage: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property Theft Outside the Premises Underwriting Notes and Premiums Colonial General works with a variety of carriers to find the right fit for your client's risk profile. While minimum premiums may vary by risk and carrier, the agency focuses on providing competitive solutions with minimal underwriting friction. Submissions that include complete applications and clear financials help speed up the quoting process. Territories and Availability This Restaurant Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, and non-admitted options are also accessible depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and strong market access to help you place hard-to-insure or specialty restaurant accounts. Their team understands the nuances of the food service industry and can help you navigate the underwriting process for quick and reliable placement. With access to both admitted and non-admitted markets, they offer flexible solutions tailored to your insured’s needs. If you have a client opening a new fast-casual restaurant or one taking over an existing space with minor renovations, Colonial General can help you provide the coverage needed to protect their investment and operations from day one. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants with less than 30% of gross sales from alcohol, such as cafés, diners, quick-service, and ethnic restaurants, are ideal candidates for this program. Is Liquor Liability included in the coverage?Yes, Liquor Liability Coverage is available as part of the Commercial General Liability offering, provided alcohol sales remain under 30% of gross receipts. Are both package and mono-line coverage options available?Yes, property and liability coverage can be written together as a package or individually on a mono-line basis depending on your client’s needs. Which states is this program available in?This Restaurant Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does Colonial General work with admitted or non-admitted carriers?They offer coverage through both admitted and non-admitted markets, depending on the risk and state requirements. Need help placing an account? Connect with a market specialist.