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Program Highlights: Colonial General Insurance Agency, Inc. offers a Contents in Mini Storage Insurance program that helps agents and brokers place coverage for personal household goods stored in commercial mini-storage facilities. The program supports short-term and annual terms and provides flexible underwriting options through admitted and non-admitted markets to fit a range of storage timelines and exposures. Overview of the Program From Colonial General This program is designed to insure unscheduled household contents stored off-premises in commercial storage units. It protects personal property for named perils and burglary exposures while stored in secured, commercial mini-storage facilities. Colonial General places this business with multiple carriers, using admitted or excess & surplus markets where appropriate to secure the best solution for each risk. Ideal Accounts and Appetite This program is aimed at individual clients who need protection for household contents kept in commercial storage units. Typical fits include: People relocating who need temporary storage for household goods Seasonal residents storing furniture and personal items during the off-season College students storing belongings between terms Homeowners downsizing who place excess personal property in storage Commercial use of units is acceptable only when the stored items are strictly personal household contents. Business equipment, inventory, or professionally used high-value property is generally not eligible under this program. Coverage Highlights and Advantages Key features agents can offer through Colonial General’s Contents in Mini Storage program include: Named perils coverage with burglary protection Claims settled on an Actual Cash Value (ACV) basis $250 base deductible with higher deductible options available Deductible credits that can lower premium when insureds choose higher deductibles Availability of short-term (temporary) or annual policy terms Competitive access to multiple markets to improve placement options Underwriting Notes and Minimum Premiums Underwriting focuses on facility security and the nature of the stored property. Requirements typically include locked gates, individual unit locks, and on-site surveillance or other adequate security measures. The program is limited to personal household contents; business property and high-value scheduled items may be excluded or require alternative placement. Minimum premium varies by carrier and market. Agents should discuss minimums and deductible credit options with a Colonial General market specialist when requesting a quote. Territories and Availability This program is currently available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place accounts in admitted or non-admitted markets depending on the state, carrier appetite, and the specific underwriting characteristics of the risk. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep personal-lines expertise with broad market access. Their underwriting team is responsive and experienced at placing niche personal property risks that may be hard to place in standard markets. Agents benefit from flexible policy terms, multiple market options, and underwriting guidance to help secure timely placements for their clients. Frequently Asked Questions What types of accounts are a good fit for this program?Individuals storing personal household items in commercial mini-storage units—such as clients who are relocating, seasonal residents, college students, or those downsizing—are the primary fit. Can this program cover business inventory or equipment stored in units?No. The program is designed for unscheduled household contents only. Business property, inventory, and equipment are not eligible under this policy. What policy terms are available?Agents can place short-term (temporary) or annual policies, depending on the insured’s storage timeframe and needs. Are deductible options available?Yes. The base deductible is $250, and higher deductible options are available. Selecting a higher deductible may qualify the account for deductible credits and lower premium. Which states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY; placement may be via admitted or non-admitted markets depending on the state and carrier. Need help placing an account? Connect with a market specialist.

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Policy Highlights for Bed and Breakfast Insurance: Overview — Colonial General Insurance Agency, Inc. Bed and Breakfast Insurance Colonial General Insurance Agency, Inc. offers property and liability coverages written on a mono-line or packaged basis for residential homes operated as bed and breakfasts or country inns. The program is designed for owner-operated properties with traditional B&B operations — guest rooms, limited on-site dining, and modest guest services — and accepts exposures up to a maximum of 10 rooms per location. Coverage is available through a mix of admitted and excess & surplus solutions depending on the state and risk characteristics. Ideal Accounts and Appetite Owner-occupied bed & breakfasts and country inns with up to 10 guest rooms. Properties with limited food service (breakfasts and light meals) rather than full-service commercial restaurants. Converted historic homes, small inns, and rural lodgings where the owner lives on-site or nearby. Accounts with reasonable maintenance, functioning protective devices (smoke detectors, fire extinguishers), and documented safety procedures. Generally not a fit: large inns or hotels, properties with more than 10 rooms, full-service restaurants or event venues with high-exposure special events, or operations with significant liquor liability without proper controls and underwriting. Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 occurrence/aggregate; Innkeepers liability included; $5,000 medical payments included; additional interests covered. Excess/Umbrella: Limits available up to $25,000,000 (subject to underwriting and carrier availability). Property Options: Building, Business Personal Property, Business Income, Replacement Cost or ACV, Basic/Broad/Special forms, Equipment Breakdown, Computer Equipment, Valuable Papers, Accounts Receivable, Household Personal Property. Additional Property Coverages: Food Spoilage, Inland Marine, Outside Signs. Crime Coverage: Theft of money/securities inside premises, robbery or safe burglary of other property, and outside-the-premises coverage options. Underwriting Notes and Submission Checklist Underwriters will evaluate operations, construction, occupancy, fire protection, and loss history. Common information requested on submission: Completed application and ACORD forms. Current loss runs (typically 5 years). Property address, number of guest rooms, and description of food service (on-site kitchen hours, staff, alcohol sales). Photos of exterior, guest rooms, and any commercial kitchen or common areas. Revenue breakdown (room revenue vs. food/service revenue) and details on special events if any. Note: alcohol service, weddings or large events, and full-time restaurants may trigger additional underwriting requirements or exclusions and could be better placed through specialized hospitality programs. Territories and Admitted Status Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Carrier availability varies by state and risk. Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, so some risks may be placed in admitted markets where available; other risks will be placed in E&S markets when necessary. Please confirm admitted availability for the state and account you are submitting. Why Work With Colonial General Insurance Agency, Inc. on Bed & Breakfast Business Dedicated B&B/hospitality appetite tailored for small owner-operated inns. Access to multiple carriers and both admitted and non-admitted markets to find the most appropriate placement. Flexible packaging — choose mono-line property or liability, or a combined package — and options for excess limits and crime coverage. Underwriting that considers the operational details important to B&B owners (limited dining, resident owner, safety controls). Example Accounts That Fit This Program A restored Victorian home in Colorado operating as a six-room B&B, owner on-site, serves breakfast only — needs property, liability, and innkeepers coverage with business income and equipment breakdown. A four-room country inn in New Mexico with a small on-site kitchen for morning and afternoon service, seeking liability limits of $1,000,000 and umbrella capacity — admitted and E&S options explored depending on local availability. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Bed and Breakfast program?Owner-occupied bed & breakfasts and small country inns with up to 10 guest rooms, limited food service (typically breakfast and light meals), documented safety procedures, and standard hotel/inn exposures. Larger inns, full-service restaurants, or venues that host frequent large events may not fit this program. What liability and property limits are available?Primary commercial general liability limits are available up to $3,000,000 occurrence/aggregate, with innkeepers liability and $5,000 medical payments included. Excess/umbrella capacity is available up to $25,000,000 depending on the risk and carrier appetite. Property coverages include building, BPP, business income, equipment breakdown, and optional inland marine and crime coverage. Are admitted policies available or is this strictly E&S?Colonial General has access to both admitted and excess & surplus markets. Some risks may be placed on admitted paper in eligible states; others will be placed in E&S depending on the property, occupancy, and state of placement. Confirm admitted availability at submission. What documents should I include with a submission to speed underwriting?Provide a completed application and ACORD forms, current loss runs (preferably 5 years), photos of the property, a description of food and alcohol service, revenue breakdown, and any safety/protective device information. Clear information on room counts and guest capacity is particularly helpful. Need help placing an account? Connect with a market specialist.

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Maritime Program Group now offers Homeowner's Insurance for Coastal New England, a specialized program for high-value coastal homes on Nantucket, Martha’s Vineyard, Cape Cod and similar wind-exposed locations. We underwrite high-quality coastal wind exposures and prioritize accounts with strong risk profiles. The Homeowner's Insurance for Coastal New England program is designed for responsible, low-profile owners who maintain their properties and take proactive loss-prevention measures. Ideal Accounts and Target Appetite We write coastal wind coverage for well-qualified homeowners. Typical characteristics we prefer: Responsible owners—insurance score above 750 and a track record of asset stewardship. Well-maintained properties that are regularly inspected by the owner or a caretaker. Acceptable flood exposure—properties in Flood Zones A or V may be considered when elevation is positive and required documentation is provided. Example scenarios: A year-round homeowner on Cape Cod with full alarm systems, documented elevation certificate, and no prior wind or water losses in the past five years. A seasonal owner on Nantucket who uses a professional caretaker, has a written winterization plan, and carries primary flood insurance where required. Underwriting Requirements To qualify, submissions must meet these underwriting standards: Primary flood insurance is required for properties located in Flood Zones A or V. Elevation certificates are mandatory for Flood Zones A or V; risks with negative elevation are not eligible. Homes must have central station burglar and fire alarms, plus low-temperature sensors (or a documented winterization plan for vacant homes). Any prior wind or water loss must be fully remediated with proof supplied. Homes vacant for more than 30 consecutive days require a written winterization plan (pipe drainage and maintained heat) in lieu of low-temperature sensors. Water shut-off valve is required for any new business account with a water loss within the last three years. Coverage Highlights and Advantages Key program features available to appointed producers: Available through AIG Select using ISO Form 3 HO-2000. Minimum dwelling coverage limit: $1,500,000. Minimum All Other Perils (AOP) deductible: $5,000. Hurricane deductible minimum: 2% (options up to 5%). Mandatory enrollment in the Hurricane Protection Unit for wind-exposed risks. 150% extended replacement cost may be available following an RMS inspection. Coverage Restrictions and Limits Additional Living Expense (ALE) capped at 25% of the dwelling limit. Water backup limited to $25,000. Code upgrade coverage capped at 25%. Fungi/mold coverage limited to $10,000. Liability is limited to residence premises unless a total account is written. Vacant homes actively on the market are excluded from the program. If a home becomes vacant or is listed for sale during the policy term, coverage for fire, lightning, hurricane, or water loss is excluded. Dwelling must be maintained at a minimum temperature of 65°F. No Fraud or Household SafeGuard enhancements are available (Equipment Breakdown Plus is acceptable). Primary and excess flood coverage cannot be placed through this program. Where This Program Is Available This program is available to agents and brokers in all 50 states and Washington, DC. While the focus is coastal New England, appointed producers nationwide can access this market for qualifying risks. Why Work With Maritime Program Group? Maritime Program Group is a specialty Managing General Agency with deep experience in coastal property exposures. Our underwriters understand the complexities of wind-prone, high-value homes and work to place well-qualified risks with top-tier markets. We provide clear underwriting guidelines and responsive support to help you move eligible accounts efficiently. If you represent high-net-worth clients who own primary or secondary homes in coastal New England, this program offers tailored coverage and risk-management requirements designed to protect both property and homeowner continuity. Call Maritime today for all of your Homeowner's Insurance for Coastal New England risks! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts are responsible homeowners with high insurance scores and well-maintained properties in coastal New England—examples include homes on Nantucket, Martha’s Vineyard, and Cape Cod. Are flood zone properties eligible?Properties in Flood Zones A or V may be eligible if they have positive elevation, current primary flood insurance, and a valid elevation certificate. What is the minimum coverage limit for this program?The minimum dwelling limit is $1,500,000; other deductibles and risk management requirements also apply. Can I write homes that are on the market or vacant?No. Homes that are vacant or listed for sale during the policy term are excluded from coverage for fire, water, hurricane, and related perils. Is this program available outside of New England?Yes. While focused on coastal New England, the program is accessible to appointed agents in all 50 states and DC for qualifying risks. Need help placing an account? Connect with a market specialist.

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Claims made products liability with limits up to $5,000,000. Newly formed operations are welcome. Most classes of risk are considered, with the exception of latex glove manufacturers and tobacco products. Minimum premiums start at $5,000, plus applicable fees and taxes. Overview of the Product Liability Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a specialized Product Liability program designed to help agents and brokers place coverage for a wide range of manufacturing and distribution clients. As a wholesale broker with access to multiple top-tier non-admitted carriers, including Colony Insurance Company and Evanston Insurance Company, BSR provides flexible, competitive solutions tailored to the unique exposures of product manufacturers and importers. Ideal Accounts and Appetite This program is well-suited for both established and newly formed companies involved in the manufacturing, distribution, or importing of products. BSR has a broad appetite and welcomes submissions across most product classes—ranging from consumer goods and electronics to industrial equipment and nutritional supplements. Accounts that typically fit well include: Start-up manufacturers launching new consumer products Importers of household electronics or tools Distributors of industrial or commercial-grade equipment However, please note that risks involving latex glove manufacturing or tobacco products are not eligible under this program. Coverage Highlights and Advantages Claims-made product liability form Limits up to $5 million available Access to experienced underwriters with deep product liability knowledge Flexible underwriting for newly formed entities and harder-to-place risks Non-admitted market access through strong carrier partners Underwriting Notes and Minimum Premiums Minimum premiums for this program start at $5,000, plus applicable fees and taxes. BSR evaluates each submission carefully, considering the nature of the product, distribution channels, and claims history. They are especially open to reviewing newer ventures, provided there is adequate detail and risk management in place. Territories and Availability This Product Liability program is available to agents and brokers placing business in the following states: AL, AR, CA, CO, FL, GA, ID, IL, IN, KS, KY, LA, MD, MA, MI, MS, MO, NJ, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc. Bailey Special Risks, Inc. brings decades of experience in placing complex product liability risks in the surplus lines market. Their team provides hands-on underwriting support and fast turnaround times, helping agents secure tailored coverage for clients who may not fit standard markets. With strong carrier relationships and a flexible approach, BSR is a reliable partner for brokers seeking solutions for both routine and challenging product risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, importers, and distributors of consumer goods, industrial products, tools, and nutritional items. Start-up operations are welcome. Are there any classes of business that are excluded?Yes. This program does not cover manufacturers of latex gloves or any tobacco-related products. Is this a claims-made policy form?Yes, the coverage is offered on a claims-made basis, which is standard for product liability lines. Which carriers are used for this program?Bailey Special Risks works with leading non-admitted carriers such as Colony Insurance Company and Evanston Insurance Company, among others. What is the minimum premium for this coverage?Minimum premiums start at $5,000, plus applicable fees and taxes. Actual pricing depends on the risk profile and coverage needs. Need help placing an account? Connect with a market specialist.

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